20 years of lending experience

We offer convenient and trustworthy financial solutions.

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LoanByPhone is your premier mobile direct lender, powered by Check Into Cash.

At LoanByPhone, we understand what it’s like to encounter urgent expenses. That’s why we bring ultimate mobility to the payday loan and cash advance process. When you are faced with a true emergency, we want to be a source you can access anytime and anywhere for the funds you need.

Established in 2003, LoanByPhone works to provide customers with the convenience, privacy, and mobility of applying for a $100 to $1,500 payday loan or cash advance online. All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.

Check Into Cash, Inc., d/b/a LoanByPhone adheres to the same high standards established by Check Into Cash and the Community Financial Services Association of America (CFSA).

State licensed in the United States.

We offer cash advance and payday loan services online in states where our parent company, Check Into Cash, has an operating license, or through a licensed operating affiliate of LoanByPhone in a specific state.

Check Into Cash, d/b/a LoanByPhone continues to expand online product options and geographical coverage in order to provide services that meet the changing needs of our customers. Our continued growth as your premiere mobile direct lender allows us to serve you to the best of our ability, providing you with emergency cash on the go.

For details on the availability of our services in your state, please visit our Rate Calculator page.

Still have questions?

Check out our FAQs for more information.

Annual Percentage Rate (APR):

For rates and terms in your state of residence, please visit our Rates and Terms page. 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:

There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
©2019 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 Rates and Terms page. For our privacy policy, please visit our privacy policy page.
NOTICE TO CALIFORNIA CUSTOMERS: Check Into Cash of California, Inc. d/b/a LoanByPhone is licensed by the Department Corporations pursuant to the California Deferred Deposit Transaction Law. NOTICE TO TEXAS CUSTOMERS: In Texas, LoanByPhone operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. NOTICE TO UTAH CUSTOMERS: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). NOTICE TO LOUISIANA 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 (Louisiana customers only).