Embarrased? How Much does it cost? Visit Loan by Phone Frequently Asked Section

FAQs

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Paycheck Not Enough to Cover Bills? 1. Apply Now 2. Get Approved Today 3. Get Your Cash Loan the Next Day.

Why Choose Checkinto Cash? Because we make it QUICK, EASY & CONFIDENTIAL®

We help thousands of our customers each month who need fast, convenient, and confidential short term loans in as little as 24 hours. Simply use our easy to complete instant payday loan application page and apply in minutes. There is no need to max out your credit card or risk NSF fees from your bank when you can get a payday cash advance through LoanByPhone.com. Visit our How it Works page for more details.

Why Choose Checkinto Cash? Because You're only two steps away! (Mouse over Steps to expand details.)

STEP 1: Apply in minutes.

Simply fill out our Faxless Payday Loan application online with the most up-to-date information you have about yourself, your current work situation or source of income and your bank information. We will take care of the rest. A customer service representative will contact you by telephone within an hour during normal business hours so that they may verify or correct your application information. There are no uncomfortable credit checks and TYPICALLY no faxing or emailing required in faxless states.

  • Unlike many other financial institutions LoanByPhone.com does not require that you have good credit, or for that matter any credit history at all. We do not obtain a complete credit report. Instead, we subscribe to a risk assessment service. So, even if you have bad credit, you may qualify for a payday loan. The approval process and your state of residence determine loan limits.
  • Faxing or Emailing information is only necessary if your state has not licensed us to offer faxless online cash advances, or if we are unable to verify your application information through our system. If there are any issues with your application, we'll call you to get corrected and/or additional information. Returning Customers Please Note: All documents and information must be received by 7pm EST in order to process your loan today.
  • Loanbyphone.com is permitted to offer faxless online cash advances and payday advances in: Alabama, California, Delaware, Idaho, Kansas, Louisiana, Michigan, Mississippi, Ohio, South Dakota, Utah, Wisconsin and Wyoming.

STEP 2: Get Fast Cash After Approval

If you have a steady source of income and a bank account, you may be approved for a loan of up to $800 in as little as one hour. Once approved, we'll electronically deposit between $100 and $800 directly into your bank account as early as the next business morning. It is Quick, Easy, and Convenient!

Loan By Phone is a part of the Check Into Cash family. Like Check Into Cash, Loanbyphone.com is an industry leader in the payday advance industry, and we offer honest and courteous service to all customers.



Why Choose Checkinto Cash? Because we offer safe, reliable service when you have a money emergency.

Loanbyphone.com is a leader in the payday advance industry, and we strive to provide friendly and professional customer service to our customers. As a member of CFSA, we provider abide by a set of Best Practices and all federal and state regulations. Rest assured your LoanByPhone.com online application is completely secured with 128-bit encryption and anti-phishing verification.

To view a list of state licenses, please visit our license page. For a list of state fee schedules, please visit our fee schedule page.