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How it Works

How Online Payday Loans Work at Loan by Phone

Applying for a payday loan or faxless cash advance with Loan By Phone is quick, easy and convenient! Simply fill out our secure online cash advance application with the most up-to-date information you have about yourself, your current work situation or source of income and your bank account. We will take care of the rest.

  1. Fill out and submit our easy online application
  2. We will confirm your information.
  3. Once your are approved your funds will be deposited in your account
  4. Pay back your Cash Advance

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.