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How It Works

A mobile payday loan or cash advance with LoanByPhone is quick and convenient.

  1. 1. Apply

    Fill out and submit our easy online application

  2. 2. Accept Terms

    We will confirm your information.

  3. 3. Get Cash

    Once your are approved your funds will be deposited in your account

  4. 4. Repay

    Pay back your Cash Advance

Start by simply filling out our brief application with your most up-to-date information, including your current work situation or source of income and your bank account details. Once you have submitted the application, you will find out if you are approved in minutes. Then, you can receive cash in your account in as little as 24 hours. It’s that simple! Just apply using our secure online application, and we will take care of the rest.

Remember, our whole process is confidential, painless, and can be completed on the go! Turn to us for emergency cash with quick approvals, no wait, and no hassle. It’s easy – financial relief is just a few clicks away.

What do I need to apply?

You must be at least 21 years old to apply for a payday loan. To get started, you will need your:

  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number

Still have questions?

Check out our FAQs for more information.

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