Skip to main content

Need Money Now?
Borrow Money Instantly With Pheabs in 24 Hours

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


How it Works - How To Apply in 3 Steps


Step 1 - Submit Your Loan Enquiry and Get The Best Rates From Multiple Lenders


Step 2 - Get Approval Instantly - We Accept Over 2000 Loan Requests Every Day


Step 3 - Complete Final Checks and Receive Your Money On The Same Day

7 Ways You Can Borrow Money Online With Pheabs

Bad Credit Loans

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.

Emergency Same Day Loans

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. 

Installment Loans

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.

Payday Loans

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.

Cash Advances

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.

No Credit Check Loans

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.

Title Loans

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.

Why Should I Borrow Money Online with Pheabs?


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.

Key Points


  • Borrow $100 to $35,000
  • Rates From 6.9% to 400% APR
  • Bad Credit Scores OK
  • Instant Approval
  • No Fees For Applying
  • High Approval Rates
  • 1 Hour Funding


What Are The Eligibility Requirements?


  • You must be a U.S. or Canadian resident
  • At least 18 years of age,
  • Have a steady employment
  • Earning at a minimum of $800 per month
  • A live checking account for your loan to be deposited into
  • You must be able to afford repayments

How Much Does It Cost To Borrow Money Online With Pheabs?


Representative Example

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

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

Do You Need Money Now?

Read Our 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.

What Are My Options If I Need Money Now?

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.

Can I Get a Loan with No Credit Checks?

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 Fast Can I Get Money Now?

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 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.

Can I Borrow Money Today With 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.

What Are The Best Ways To Borrow Money Instantly?

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.

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.

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