Representative Example
Based on a loan of: Borrow $300 over 3 months, at 400% APR, 3 equal repayments of $218.91, total to repay $518.91
Based on a loan of: Borrow $300 over 3 months, at 400% APR, 3 equal repayments of $218.91, total to repay $518.91
Step 1 - Submit Your Loan Enquiry and Get The Best Rates From Multiple Lenders
Step 2 - Get an Instant Approval - We Accept Over 2000 Loan Requests Every Day
Step 3 - Complete Final Checks and Receive Your Money On The Same Day
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We work with a number of lenders who offer loans for people with bad credit or poor credit. The rates and loan amount may be adjusted and this may be unsecured (such as a payday loan) or secured against your car or other collateral.
For those looking for loans for an emergency, we offer $100 to $5,000 with an instant decision and funding within 1 hour, 24 hours or next business day.
You can borrow money over 3,6,12 or 24 months and repay in the monthly installments that you can afford – with options for good and bad credit too.
Receive money upfront in one lump sum to pay for an ongoing expense or emergency and then pay back the entire loan in full on your next payday from work.
Receive a cash advance upfront of $300 or $500 to cover any urgent expenses. Receive the entire in full and repay over 1 month or several months.
If you want loans with no credit checks, we may be able to help with collateral or secured loans. However, you will need to be earning a regular wage and be able to make payments on time.
Borrow money secured against your car, receive up to $15,000 based on the value and condition of the car – but this could be at risk if you do not keep up with payments.
Pheabs allows you to find the best places to borrow money now. We are partnered with only a handful of legitimate payday lenders and short term loan companies across the US and Canada, who have been personally reviewed and approved by our in-house team.
We understand that it can be hard to borrow money at low rates or get approved if you have a bad credit rating. But our whole panel of lenders are willing to take a view on different credit histories and we will connect your loan request with the lender most likely to approve you and offer the most affordable rate.
We do not charge any fees for our service, nor are there are any fees for submitting a form or hidden costs. We simply receive a commission from our partner lenders if your loan enquiry is successful.
Pheabs is passionate about responsible lending, affordable rates and helping customers get into a better financial position than when they started. Customers can make a loan request 24 hours a day, 7 days a week.
Our online form takes less than 5 minutes to be completed and will give you an instant decision on screen. We can connect you with one of the reputable lenders in our network. There are no fees for submitting a form and your data will be kept safely and securely on our website.
Customers can borrow $100 to $35,000 repaid over 3 to 24 months. The amount you can borrow will depend on your income, credit rating and current debt outstanding. This includes payday loans, personal and short term loans.
If you need money immediately, your best bet is usually asking your close circle or family and friends who will always want to support you in a tricky time. You can also consider selling household items that you do not need anymore or speaking to a debt counsellor or professional. If you are looking for a fast online option, Pheabs is here to help you with affordable loans, with the option to cancel or repay your loan early if you wish to.
Our lenders will typically carry out a credit check to see how well you have paid other types of cards and loans in the past. In some cases for people with bad credit, we may offer alternative products from stores, banks, credit unions or apps, or even products secured against your car or home and these may not require credit checks but alternative forms of collateral or eligibility.
Customers can receive an instant decision when they submit a form and depending on the product, they can sometimes receive funds within 1 hour or the next business day. For products that require extra information like secured loans, you can receive money into your bank account within 1 week of submitting a form.
No, Pheabs offers soft search loans that will check of the basis of your credit record but not leave any visible footprint. You can have peace of mind when you submit a form that the form will not harm your credit score in any way, or affect your chances of being approved for other loans in the future.
No, we do not charge any fees for applying. You always have peace of mind that you can submit a loan request and no money will be taken from your bank account. We simply charge fees if your loan is approved, comprising of monthly interest payments.
Repayments are collected from your checking account once per month, on a date that you request. This is usually the day that you get paid from work. Repayments are collected in equal monthly installments and you always have the option to repay early if you wish to do so.
Yes, we can assist those looking for bad credit loans, including those with poor credit and those with no credit checks. You will usually need to have a stable income and can afford to make monthly repayments. Whilst you have a history of bad credit, the lender just needs confidence that your credit score is improving and you are on track to repay on time. We may also present you with loans with collateral or security, so that you access the funds the you require.
For instant options, you may want to look at payday loans because these small loans often come with instant approvals. Since they are usually to borrow $300, the checks are usually fully automated and if you pass the credit checks and are employed and can afford repayments, the money is often funded instantly or within a few hours.
Yes, we can help if you are looking you need to borrow money immediately, but all applications will be subject to further checks including confirmation of your income and credit score – so we aim to approve and complete your loan within 1 hour, 24 hours or the next business day.