Home » How it Works – in 5 Simple Steps


  • 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.

Pheabs can help you find the best lender based on your requirements – with no upfront or hidden fees.

Pheabs is an online loans engine, helping borrowers across the US find the best lender for their financial requirements. We offer loans from $100 to $35,000, repaid over 12 to 60 months, offering flexible repayment where possible.

We understand that circumstances can arise and you may need to borrow a few hundred dollars. We know that if you need money quickly, it is hard to know where to go or who to trust. With a number of questionable lenders in the payday loans market, storefronts and more — it is hard to know where to turn and how to avoid paying a high rate of interest.

This is where Pheabs comes in. We are partnered with only a handful of licensed payday lenders and short term loan providers across the US, from California to Illinois.

Our form is completely online and takes just 5 minutes to complete. You will receive an instant decision on the screen from a lender who is willing to offer you a loan, based on your requirements and circumstances. You have the choice to proceed and we will not charge you any fees or hidden costs — we only receive a commission from the lender if your form is successful.

We are here to provide you with a transparency, clear and affordable financial option when you need to borrow money. Pheabs is passionate about helping people and providing the best quality service and funds are usually available within 24 hours or the next business day.