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About Loan By Phone

Loan By Phone is a subsidiary of Check into Cash, Inc.

As a wholly owned subsidiary of Check Into Cash, Inc., Loanbyphone.com adheres to the same high standards established by Check Into Cash and the Community Financial Services Association of America (CFSA).

Established in 2003, Loanbyphone.com works to provide customers with the convenience and privacy of applying for a $100 to $800 payday loan or cash advance online. The approval process and your state of residence determine loan amounts.

State licenses in the United States.

We offer cash advance payday loans online in states where Loan By Phone’s parent company Check Into Cash has an operating license, or through Loan By Phone’s licensed operating affiliate in your state.

Like its parent company, Check Into Cash, loanbyphone.com continues to expand online product options and geographical coverage in order to provide services that meet the changing needs of our customers.

Get your money in as little as 24 hrs!

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 Loan By Phone 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 Utah customers: If you have QUESTIONS OR CONCERNS please click here. Notice to TX customers: In Texas,Loan By Phone operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice to CA customers: Loan By Phone 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, Loan By Phone 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.