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Get a Cash Advance on Your Next Pay Cheque from Pheabs

With a cash advance from Pheabs, you can borrow $100 to $35,000 before your next pay cheque comes in. Simply click on 'Get Started' to apply with our cash advance loan providers, apps and more! We offer instant decisions and funds within 24 hours or the next day.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

Why Apply for a Cash Advance with Pheabs?

At Pheabs, we offer a cash advance connection service, where we match your loan enquiry with the lender who is most likely to approve you and offer the best rates. We take thousands of points into consideration including your age, location, income and credit score to find the right lender for you.

You can apply for a cash advance of $100 to $35,000 repaid over just a few months or 30 years if you need to!

Our entire loan process is completed online, giving you an instant decision on the screen and funds can be sent to your bank account within a few hours or next business day if you are approved. Pheabs is completely free to use and always will be – and there is no impact to your credit score when you apply.

Where Can I Get Cash Advances Near Me?

If you are looking for cash advances in the USA, Pheabs is here to help, offering products in California, Texas and all major states across America. Depending on your location, we are able to match your enquiry with the lender who is most likely to approve you and offer the best terms possible.

Our entire process is online, so you can enter your details in under 5 minutes and get an instant decision or provisionally quote on the screen – whether you are using a desktop, tablet or mobile.

You can apply 24 hours a day, 7 days a week and if accepted, you can receive funds on the same day or next day.

Of course, there are always other options such as speaking to your employer or going to a credit union, but Pheabs is proud to offer a completely online way to get a cash advance loan and transferred to your bank account as fast as possible.

There are no fees for using our service and there never will be and applying will not impact your credit score either. We are always happy to consider applications for people looking for bad credit loans and we will try get you the best service and rates possible.

How it Works


Step 1 - Apply Online

Complete our online application form in less than 5 minutes and choose how much you want to borrow and how long for.


Step 2 - Instant Decision

You will receive an instant decision on the screen with a loan offer and if you wish to proceed, you will need to electronically sign your loan agreement.


Step 3 - Get Funds

If your application has been approved, funds will be sent to your checking account within hours, the same day or next working day!

What is a Cash Advance?

A cash advance is a type of short-term loan, offered by a range of different providers. However, this term is also used when referring to a service offered by credit card providers to their cardholders.

When discussing cash advance options here, Pheabs are referring to its status as a short-term loan, specifically as payday loans.

With these types of loans, the lender won’t necessarily base a loan request on the borrower’s credit score, but will also look at local state regulations as well as the borrower’s paycheck.

Throughout your lifetime, you may be hit with an unexpected expense when short on cash. In these circumstances, waiting for your next payday might not be a viable option – which is where cash advances can help.

A cash advance, as the name suggests, can give you access to the cash you need when you need it, to be paid back at a later date. Cash advances can help you to stay on top of unexpected bills, helping you to take control of your finances, and not let the restrictions of paydays get in the way.

Submitting a loan request online can be quick and easy to complete. It’s known that cash advances can be easier to get online than getting a loan from a bank.

Pheabs can help you to find the right short-term lender for you through our panel of reputable providers. Simply adjust the sliders above to show how much you would like to borrow and how long for, then click the “Get Started” button to start your loan enquiry with us.

Why Would You Need a Cash Advance?

As with much of short-term lending, those wanting a cash advance typically need quick and easy access to funds.

A cash advance can be useful for those in need of money and have a valid repayment plan for any that they end up borrowing. For example, those hit with such unexpected emergencies as their car breaking down, and need these fixed before they can get the money from their payday to do so, can be the perfect candidates for a cash advance – that being if they can afford the repayments on such a loan, and also have a reliable plan for paying this back.

Can I Get an Instant Cash Advance?

If you want to find an instant cash advance, is it possible to get approved and funded within 1 hour, but it will typically take around 24 hours or the next day to be fully accepted and transferred to your bank account. Our lenders will always carry out sufficient checks to ensure that you are well suited for the product and may wish to confirm your income, credit score and affordability before funding. However, if you can apply on a normal work day from 9AM to 5PM, you have a much better shot of receiving funds today.

Can I Borrow a Cash Advance With Bad Credit?

Yes, you may be eligible for a cash advance even if you have bad credit. Pheabs works with a variety of different lenders, some of which consider less-than-perfect credit scores.

When you submit your request for a cash advance, you will not be expected to hold a good credit score. Some of the lenders we work with instead take different factors into account when assessing your submission, including the following:

  • Your income.
  • Your employment status.
  • The amount you have asked to borrow with them.
  • Your age.

These details can help lenders determine whether they’d be comfortable lending to your or not.

Am I Eligible for a Cash Advance?

Pheabs has a set of eligibility criteria that customers must meet. These include the following:

  • Be a US citizen.
  • Over 18 years of age.
  • Have a live checking account to receive funds.
  • A steady income of at least $800 per month.
  • Bad credit considered.
  • Able to make repayments.

As previously mentioned, those with bad credit can still be eligible for cash advances with our lenders. Simply enter your details into our submission form and start your search for the best cash advance options for you today.

Why Should I Use Pheabs for a Cash Advance Loan?

Here at Pheabs, we help you to find the right cash advance options for you quickly and effectively. Those wanting to connect with the right lenders for them and borrow between $100 to $35,000 can do so with the help of our free and simple service.

We’ve partnered up with reputable lenders, each of which has been reviewed and vetted to ensure they hold up to the OLA standards.

Find reputable lenders best for your borrowing needs through Pheabs today!

How Do I Apply for a Cash Advance with Pheabs?

Submitting a request for a cash advance is made easy with Pheabs. You can fill out our online form in under 5 minutes, and receive an instant decision once complete.

When filling out our online submission form, we’ll require a few details from you, including the following:

  • Your employment status.
  • A valid checking account.
  • Contact details (e.g. phone number and email address).
  • The amount you would like to borrow and how long you would like to borrow it for.
  • Driver’s license number (or state ID).

Pheabs will automatically connect you to a partner lender. If you would like to carry on with this lender, they will then conduct further checks in assessing your loan submission.

Click the “Get Started” button below to begin your search for cash advances.

FAQs About Cash Advances

We can facilitate loans in sometimes 15 minutes or an hour if they are small amounts of $100 to $500. Large loans such as $1,000 or higher may take just a little longer or require a few more manual checks, but these can still be approved on the same day, within 24 hours or next business day.

If your loan is declined, you can have peace of mind that nothing will happen at all. Pheabs does not charge any fees for making an application and applying will not impact your credit score in any way.

Most of our partner lenders will carry out a credit check to determine your eligibility, since this is a common way to assess affordability for an unsecured or personal loan. You do not need to worry about being declined because of your credit score, because we work with a number of partners who are willing to offer loans for bad credit. In some cases, we may offer loans that do not require traditional credit checks and instead use collateral such as cars or property to help you borrow money (e.g see title loans near me).

No, Pheabs is not a direct lender, we act as a free online connection service that matches your loan enquiry with the best lender that can offer you an affordable loan at the best rates possible, taking also your state and credit score into consideration.

We offer cash advance loans in Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Nevada, Tennessee and Texas.

The APR for a typical cash advance ranges from 300% to 600% depending on the state that you apply in and other factors such as your credit score, income and affordability. Whilst the rate might seem high, do not forget that most loans will only last a few weeks or months, but the APR is calculated as though the loan lasts for an entire year, which can make it seem inflated.