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 check your eligibility across 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.

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.



We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.


The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.


Soft search will not impact your credit score

We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.

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.

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.

What is the Best Cash Advance Option for Me?

As with any form of borrowing, the best cash advance option for you will depend upon both your personal and financial circumstances – for example, how much you earn, the amount of money you wish to borrow through the cash advance, and most importantly how much you can realistically afford.

Finding the short-term loan option that best suits your needs can be tricky. It can help to explore your options online, using reputable services to help you find and compare loan options that could be best suited to your situation.

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 Search Cash Advance Options With Pheabs?

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 Submit a Cash Advance Request 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.