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Get a Payday Advance Online in Under 24 Hours
- Apply with Pheabs Today!

A payday advance can help you borrow $100 to $35,000 until your next payday from work. Pheabs can offer money upfront to pay for any bills or emergencies and the flexibility to repay over 1 to 60 months. With bad credit and no credit check options too, you can check your eligibility today by clicking on the ‘Get Started’ button below!

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.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

Why Should I Use Pheabs for Payday Advance Loans?

Pheabs offers a completely free way to check your eligibility for a payday advance online. We act as a loans connection service, matching your loan enquiry with the US lender who is most likely to approve you and offer you the best rates. You have no obligation to proceed and can also apply with bad credit. So if you are looking for a payday advance near me, we can help whether you are in California, Texas, Florida or Ohio!

How To Apply for a Payday Advance

Simply complete our online application form in less than 5 minutes and you can receive an instant decision on the screen. We require a few basic details about you, your loan amount, your income, employment, residence and monthly expenses. Subject to further checks, if your loan is approved, it can be funded to your bank account within 1 hour, the same day or next business day.


Step 1 - Apply Online

Choose how much you want to borrow and how long for – and complete our loan enquiry form in less than 5 minutes.


Step 2 - Instant Decision

Receive an instant decision and loan offer on the screen. To proceed with this offer, you can electronically sign our loan agreement in minutes.


Step 3 - Receive Your Advance

If approved, you can receive your payday advance into your checking account within a matter of hours.

What is a Payday Advance?

A payday advance refers to an advance on your monthly income and rather than waiting until your next payday from work, you can receive the money upfront. Also known as a cash advance, this type of loan is designed to help you pay for any pressing or immediate expenses, so you can receive the money in one lump sum upfront to pay off your expense and then repay the loan in full on your next payday from work. Some advances last just a few weeks, but some can last a few months, giving you the option to repay over monthly installments. 

What is the Eligibility Criteria for Payday Advance Loans?

The basic criteria to apply with Pheabs is:

  • 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
  • Able to afford monthly repayments
  • No recent bankruptcy
  • Valid cell phone and email address to verify your loan

What Are Loan Advances Used For?

Payday advances are often used for immediate or emergency expenses, when you do not have quite enough money to tide you over this month. Whether it is to pay any household bills, car repairs, plumbing problems, home repairs or maybe you need to borrow money to pay for something for your children.

We can always try to save money but we can never be sure when life’s little problems are going to crop up. From a funeral expense, medical bill or literally a hole in the floor, there are lots of reasons why we may need an extra $300, $500 or $1,000 and a payday advance can help you stay on top of your finances.

Does Pheabs Offer Payday Advances for Bad Credit?

Yes, if you are looking for payday advances for bad credit histories, this is something that we can help with. We work with a number of US lenders and many of them are willing to take a view on poor credit histories. 

We appreciate that not everyone can have a perfect credit score and there are options available if you have fair or bad credit. Perhaps we can slightly adjust the amount you have requested to borrow or the rate charged will be a little higher. 

If you have a regular income and stable employment, you can certainly be eligible for the loan you need. In some cases, we may just require proof of income, just to ensure that you can repay your loan without falling into financial difficulty.

Can Pheabs Offer Payday Advances Near Me?

Yes, we are connected to hundreds of local payday stores, but primarily we work with online payday advance lenders, so that you can be matched with the right lender for you, wherever you are in the country. 

This type of product is closely tied with payday loans, which are offered in 37 US states and we are pleased to offer you an affordable option in areas including Alabama, California, Colorado, Florida, Iowa, Indiana, Illinois, Maryland, Mississippi, Nevada, Ohio Texas, Tennessee and more.

Do You Offer Payday Advance Apps?

Yes, our panel of lenders includes payday advance apps, which allow you to borrow money on demand and keep track of your payments in real-time. Some borrowers prefer to use apps because it gives you access to everything you need directly from your cell phone, including the loan terms, repayment dates and the outstanding balance. Some apps have extra features including advice on saving money, budgeting and topping up your loan if you need to.

How Can I Get a Fast Payday Advance Loan?

Some payday advances are available on the same day, especially if you are looking to borrow small amounts of $100 or $200. If you pass the criteria and have applied during working hours of 9AM to 5PM, this should help you receive your loan within a few hours or immediately. 

For larger loans of $1,000 or $2,000, this may require some extra checks to confirm your income and employment and may just take a little longer – but it is still common to get your loan on the same day or next business day.

If you are looking for a quick loan, you should always give your real information in terms of your name, contact details and income – so this will avoid the lender having to ask more questions and potentially slowing down your application.

In addition, once you have applied, try to stay near to your cell phone and email and be ready to respond to the lender if they have any queries. Being available, especially during regular trading hours can help get your loan funded as soon as possible.

Can I Pay Back My Payday Advance in Installments?

Yes, whilst most payday advances are paid in full on your next pay date, there is the option to borrow for as long as 60 months if you would like to. This gives you the flexibility to spread repayment over time, which can be better for borrowing larger amounts of $5,000, $10,000 or more. In this case, you would repay your loan in equal monthly installments, so it would be the same amount being collected from your bank account each month and you will always have the option to repay early if you would like to.

Can You Offer a Payday Advance with No Credit Checks?

Yes, it is possible to get a payday advance without credit checks – but most US lenders will carry out a credit check to confirm your eligibility. 

It is possible to get loans with no credit checks, such as applying with a credit union or borrowing from family and friends. Or you can consider using secured loans or title loans that use your car as collateral – where your eligibility is based on the value of your collateral, rather than your credit score.

But even if you are trying to avoid credit checks for the fear of being declined – do not worry. The lenders that work with Pheabs are able to take a view on different credit histories, with a number of them specialising in bad credit. Provided that you have a stable employment, regular income and can afford monthly repayments, you can certainly get the loan you need.

How is Pheabs Different?

Pheabs has one clear purpose – to help people find affordable loans in the fastest and most effective way possible. Our entire system is designed to match borrowers with the lender who is most likely to accept them and offer the most competitive rates – and so far we have helped thousands of American borrowers to date.

We like to give our customers choice every step of the way. You can choose how much you want to borrow, how long for and which day of the month you want to repay on. 

We offer a fully online application with no upfront fees and no impact to your credit score. You can be rest assured that all of our partner lenders are licensed, responsible and regulated and we will treat your data and information with the utmost confidentiality. To get an instant quote, simply click on ‘Get Started’ below.

Payday Advance FAQs

Pheabs offers loans of $100 to $35,000 based on factors such as your income, residential status, credit score and the amount of debts you have outstanding. We may require proof of income and employment for those looking to borrow larger amounts.

For borrowing small amounts, it is possible to be approved and funded in less than 1 hour. For larger loans or those that require proof of income and other details, it is typical to receive funds within 24 hours or the next business day.

The average payday advance lasts around 21 to 28 days and is borrowed upfront and repaid in full on your next pay date. However, we are pleased to offer loans over 3,6,12 months or even as long as 60 months if you want to spread repayment over time.

Depending on the length of your loan and other factors such as your credit score, the cost of your payday advance can range from 36% to 500% APR. If your loan lasts just a few weeks, this is likely to be presented as a high APR, since the loan is compounded as though it lasts for one year – even though this is not the case.

No, Pheabs is not a direct lender, we act as a broker or middleman for those looking for affordable short-term loans. However, you can have peace of mind that we can match your loan application with a number of responsible US lenders. With no fees for applying, Pheabs can maximise your chances of getting you a loan and once confirmed, you can work directly with your chosen lender every step of the way.

Yes, you can apply if you are self-employed. Whilst you may need to show proof of a regular income, being self-employed will not impact your chances of being approved and you will be treated like any other customer who is regularly employed. 

If you cannot pay back your loan, you may be charged added interest, late fees and it could negatively impact your credit score. If you feel that you are struggling to repay your loan, you should contact your lender as early as possible who may be able to help. By notifying your lender, they could lower your interest or give you extra time to repay. By avoiding the lender and not responding, this will trigger late fees and any other penalties.

No. There are no fees for applying with Pheabs. Our site is free to use and always will be. We simply take a small fee from the lender we recommend you to if your application is successful.