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  • Apply wherever & whenever you want.

  • Our application takes as little as 5 mins.

  • Get approved in just seconds!

  • Have money in your bank in as little as 24 hours.

  • We know you have better ways to use your time.

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Online Payday Loans From LoanByPhone

Online payday loans really are quick, easy, and confidential with LoanByPhone. We understand what it means  to need cash quickly and we are dedicated to getting you the money you need, when you need it. We have a simple 5 minute online loan application.  You will have your approval within seconds of completing your application. We also have a staff of over 50 customer service specialists standing by to help expedite your payday loan. So, you can have the cash you you need in your bank by tomorrow.

We're licensed and regulated by the state.

Get your money in as little as 24 hrs!

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  • PAYDAY LOANS

    Online Payday Loans offer you a simple and confidential way to get the money you need and LoanByPhone can have
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  • RATES & TERMS

    LoanByPhone is a state licensed direct payday lender. Click here to find out about the rates and terms in your state.
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  • HOW IT WORKS

    Want to learn more about how payday loans work. Click here for a simple step by step explanation of the
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  • ABOUT US

    LoanByPhone is celebrating its 10th Year of business. We are a wholly owned subsidiary of Check Into Cash and a
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The Annual Percentage Rate (APR) for payday loans varies in each state and depends on the advance amount, fees, and terms of the transaction. The APR for a $100 single-payment payday loan may range from 260.71% to 782.14% on 14 day terms. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.

CUSTOMER NOTICE: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. ©2014 LoanByPhone Inc. All Rights Reserved. Services or products displayed may or may not be available in your particular state. To view a list of the states we service online, please visit our license page. For our privacy policy, please visit our privacy policy page.Notice to TX customers: In Texas, LoanByPhone operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice to CA customers: LoanByPhone is licensed by the Department of Corporations pursuant to the California Deferred Deposit Transaction Law. Notice to OH customers: In Ohio, Check Into Cash operates as a registered credit services organization (CSO). The actual lender is an unaffiliated third party. CS.900185.000.In Ohio, LoanByPhone operates as a registered Credit Services Organization (CSO). The actual lender is an unaffiliated third party. CS 900138.000. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830. Notice to LA Customers: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Check Into Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414.