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With Pheabs, you can get a payday loan even if you have poor credit. Unlike traditional bank loans, Pheabs accepts loan enquiries with all credit histories allowing everyone to find the money they need to tide them over until payday. This means that you should still submit a form with us if you have been rejected for a bank loan because of bad credit. Everyone comes across financial pitfalls occasionally, but a payday loan can give you the lift needed to get back on your feet.


How Do I Submit An Enquiry?


Whatever your credit rating, you can use Pheabs’ completely free online process. Submitting a loan enquiry for a payday loan will not have an impact on your credit score. With Pheabs, you can borrow from $100 up to $35,000 and choose to repay your loan from 2 weeks to 5 years. The loan request process is simple and efficient. After filling out the short online enquiry, a direct lender will be in touch to find the right loan for you.

You’ll receive an instant on-screen decision on your loan request. This may be a sensible choice if you are facing a temporary financial problem. We all come across unforeseen expenses, such as car repairs, hospital or veterinary bills, from time to time. In times like these, a payday loan may be an excellent way to get cash quickly. Once accepted, you will see the cash in your account the very same day!


Woman with money at desk

Am I Eligible?


Pheabs makes it easy to find a straightforward same-day loan in one lump-sum and borrow money today. There are only a few simple requirements to be eligible. Firstly, you must be a U.S. resident, and you have to be at least 18 years of age. You would also need to have a consistent income with earnings at a minimum of $800 per month. Lastly, you are required to have a checking account that your payday loan can be deposited into. 


Why Choose A Payday Loan?


If you are considering a payday to cover an unexpected one-off expense, you don’t need to worry about the loan affecting your credit. It is important to remember that payday loans are meant for cases of cash emergencies, not shopping or frivolous spending. Unlike more traditional loans, a payday loan is designed for short-term use. You should also only ever borrow money that you know you will be able to repay. If you need to borrow a large amount of money or are looking for a long-term loan, a payday loan might not be the best option.