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Need to Borrow Money Online?
Get Funds in 24 Hours with Pheabs

If you need to borrow money now, Pheabs is here to help you borrow $300, $1,000 or even $35,000 with our free enquiry form, instant decision and funding ASAP, within 24 hours (or next business day). And yes, bad credit is considered!

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


Get the best rates from multiple lenders


Over 2000 loan requests accepted every day


Receive your money in the next business day

Our Products

Why Should I Borrow Money Online with Pheabs?


Pheabs allows you to find the best place to borrow money. We are partnered with only a handful of legitimate payday lenders and short term loan companies across the US, 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.

Representative Example

Borrow $500 over 3 months, at 400% APR (based in income and credit score),

3 same monthly repayments of $288.29, total to repay $864.87

Frequently Asked Questions

How Long Does it Take to Apply with Pheabs?

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.

How Much Can I Borrow with Pheabs?

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.

I Need a Loan ASAP - What Should I Do?

If you need money ASAP, we will always try our best to get you an instant decision and try get you approved and funded on the same day. Always give accurate information including your income, employment and contact details and be available by email or phone after submitting a loan application. If there are any follow up calls from our partner lender, you will be ready to respond and they can process your loan immediately.

Can I Get a Loan with No Credit Check?

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.

How Soon Can I Receive My Funds?

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.

Will Requesting a Loan Affect My Credit Score?

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.

Do You Charge Any Fees?

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.

How Do Your Loan Repayments Work?

Repayments are collecting 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.

What is the Eligibility Criteria?

To be eligible to borrow money with Pheabs, you must be a U.S. resident and at least 18 years of age, with steady employment, earning at a minimum of $800 per month and a live checking account for your loan to be deposited into. You must be able to afford repayments.

What is The Minimum and Maximum Amount I Can Borrow?

Whether you are looking to borrow $100 or borrow $300 until your next payday, Pheabs is here to help. You can borrow as much as $35,000 over 60 months, depending on factors such as your income, credit score and affordability.

Do You Offer Loans For Bad Credit?

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.

I Need Money Now - Can Pheabs Help?

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.

Can You Offer Loans For 500 Credit Score or Under?

Yes, we have a number of options for people looking for loans with credit scores of 500, or 400, 515 or 600. But working with a range of lenders, they are happy to take a view on different credit histories and can provide loan products based on having a stable employment and income. In some places, you may need to provide collateral or a co-signer to be eligible, but you can still receive the funds you need within 24 hours.

Borrow Money All Across the U.S. With Pheabs…