How online loans work.

Applying for a loan with LoanByPhone is quick, easy and convenient!

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

1. Apply

Fill out and submit our easy online application.

2. Sign Agreement

Once we approve your application, sign your loan agreement online.

3. Get Cash

Your funds will be deposited in to your account, usually within 24 hours.

4. Repay

Repayment options are easy and affordable.

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 personal and work phone numbers

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).