How it Works

  1. Submit Your Loan Enquiry and Get The Best Rates From Multiple Lenders
  2. Get Approval Instantly – We Accept Over 2000 Loan Requests Every Day
  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.

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.

Loans For Rent >

If you need to borrow $300 or $500 to pay your rent or to pay your landlord, we can provide quick funds within 24 to 48 hours.

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.

What Are The Eligibility Requirements?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Recent Guides

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Why Should I Borrow Money Online with Pheabs?


  • 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

Choose Your Loan Amount

We can help you find loans between $100 and $35,000. The amount you can borrow will depend on your financial circumstances, income and affordability.  

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

Connect Your Loan With The Right Lender

You should receive an instant decision on the screen and we will connect you with the lender who best meets your loan requirements. You may be required to electronically sign your loan agreement using a PIN code sent to your mobile phone and a link sent to you by email – and this will be used to confirm the terms and conditions of your loan.

Funds Transferred to Your Account

If your loan is fully approved by our partner lenders, your funds will be successfully transferred to your bank account within 1 hour, 24 hours or the next business day.