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If you are looking for the best payday loans near me, Pheabs is here to help! We offer $100 to $35,000 repaid over 1 to 60 months from payday lenders, apps, advances and alternatives. We offer a completely online application and if approved, you can receive funds within 24 hours or the same day of applying. And yes, we have bad credit and no credit check options too. To get started, simply click on the button below and complete our application in less than 5 minutes!

Where Can I Find Payday Loans Near Me?


Pheabs can proudly offer loans near me in almost every state of the US, so we can connect your loan application with a local company and help you find the quickest, effective and most affordable solution.

What is a Payday Loan And What Are They Used For?

A payday loan is traditionally used to help you borrow money until your next payday. With the average American getting paid at the end of each month, it is very common to have a shortfall of cash or to need a couple of hundred bucks until your next pay date. Maybe it is a household emergency, car repairs or your rent is due. 

Also known as a ‘payday advance,’ you can get money upfront and paid in one lump sum to pay off any pressing bills – and then you can repay the loan and interest in full on your next pay date. So ideally, your emergency is just a one-off and you can be back on your feet in no-time.

Today, with payday loan apps and alternatives, the average loan will typically last a couple of weeks – and Pheabs is able to give options ranging from 12 to 60 months. This gives you a bit more breathing space and rather than borrowing $300 and paying back in full just a few weeks later, you may wish to borrow a bit more and for longer.

How to Apply for a Payday Loan Online

You can submit a form for a payday loan online with Pheabs in less than 5 minutes and get an instant decision on the screen.

You will automatically be connected with one of our lenders and if you wish to proceed, they will carry out some further checks and if successful, your loan can be funded in 24 hours or the next business day.

Step 1 - Make an Application

You will just need to enter a few simple details about yourself, your employment, a driver’s license number or state ID, valid checking account, phone number, email address and how much you like to borrow and how long for.

Step 2 - Decision & Approval

You can receive an instant decision and subject to further checks, you could be approved in just a matter hours. You will be sent a loan agreement online by email and you can sign this electronically using an E-Signature.

Step 3 - Receive Funds Within 24 Hours

If fully approved, you can receive the full funds into your checking account within a few hours, same day or next business day. We aim to fund your loan as quickly as possible.

Why is Pheabs The Best Online Payday Loan Option?

Finding the best payday loans online can be tricky. There are online lenders offering very different rates – and some are very high. A lot of people prefer to shop online and compare payday loans, so that they can find the best rates and ultimately avoid using storefronts and loan sharks.

Pheabs is a loans engine, helping you find the best payday lenders. We take your loan enquiry and connect it with the lender mostly likely to accept you and offer the best rates. There is no obligation and no fees for submitting a form. If you are happy with the offer, you can proceed and typically receive funds to your bank account on the same day or next business day.

Is Pheabs a Direct Lender?

No, Pheabs is not a payday loans direct lender, since we act as a connection service to help you find the best rates and lender who is most likely to approve your enquiry and is ready to fund your loan. This helps to save our customers time, effort and money – and we are pleased to do this completely free of charge, only taking a fee from the lender if your application is successful. You can have peace of mind that all of our partner lenders are fully vetted, reviews and legit, so that once you have been approved, you will be working with a direct lender from start to finish and there are no other middlemen involved.

How to Get a Quick Payday Loan Advance

Quick payday loans can be available in less than 24 hours, the same day or next business day. Whilst every lender is different, if you want a fast loan, you should always start by giving accurate information because any red flags will be picked up by the lender and then require further checks or proof of documentation. In addition, make sure that once you apply that you are ready by your emails or phone to electronically sign any loan agreements, respond to any queries they have or be available to speak to the lender in case they need to verify anything.

If possible, try to apply during work hours such as 9AM to 5PM and on weekdays too. Since some loans need to be checked and verified by the lender, if you are enquire late at night, on the weekends or a national holiday, this will just cause an extra day or two delay for them to come back to you.


Am I Eligible For A Payday Loan From Pheabs?

The criteria for a payday loan from Pheabs is that you must be:

  • U.S. resident
  • Over the age of 18
  • Steady employment
  • Earning a minimum of $800 per month
  • A live checking account for your loan to be deposited into

Our partner lenders are willing to take a view on different credit histories, so you can still submit a form if you have bad credit and you can still receive the loan you need, subject to further checks.

We will always carry out a series of income and affordability checks, just to ensure that you borrow the right amount, without falling into financial difficulty.

How Do Repayments Work?

Repayments for payday loans work in equal monthly installments – so if you borrow over 3 months, you will be paying 3 identical repayment amounts at the end of each month.

Depending on which lender you are connected with, you can repay your loan after just one month, or as long as 12 months or 60 months if you prefer.

For quick and fast payday loans, you may need to borrow money upfront, pay off any pressing debts and then repay your loan in full at the end of the month – so it only ends up lasting just a few weeks.

But if you are borrowing some of the larger amounts such as $1,000, $5,000 or $10,000, you may wish to spread repayment over 12, 24, 48 or 60 months to give you extra breathing space.

The lender will collect the repayments from your bank account each month automatically, so you do not need to call up, make a manual payment or send in a cheque, it is all processed automatically to make life easier.

Can I Get A Payday Loan With Bad Credit From Pheabs?

Yes, you can get a payday loan with bad credit scores – we work with a number of different lenders who are willing to consider all kinds of credit scores and can offer the right products for you.

When submitting a form for a payday loan, you are not expected to have a perfect credit score – and our lenders will take in other factors such as your income, employment, age and the amount you have requested to borrow. All of these factors can tell the lender a lot about your chances of repaying a loan – and it is not just the credit score that they look at. 

Can I Get A Payday Loan With No Credit Checks?

Payday loans without credit checks are a little harder to find. Regulated and licensed payday lenders in the US typically need to run a credit check before approving your loan request. This will confirm that you can afford to repay your loan based on your credit history and will not fall into difficulty. 

Although most loan companies will run a credit check, there are some other lenders who will use other indicators such as pay check, monthly income and employment information – and still approve your loan on this basis.

For larger loans, they may request collateral and secure your loan against a car, property or jewellery, but these are more long term loans, rather than payday loans. However, when secured against something valuable, the success of your loan is based more on the item’s value, rather than your credit score, so it is possible to submit a loan request with no credit checks.

Why Should I Borrow A Payday Loan With Pheabs?

Pheabs offers a fast and effective way to get a payday loan. For Americans looking to borrow $100 to $35,000, we offer a free and simple way to submit a loan enquiry and get connected with a lender who is most likely to accept you – and provide the best rates too.

We have partnered with a number of reputable payday lenders and have reviewed and vetted each one to ensure that they uphold the highest standards of trustworthiness and customer service according to OLA standards.

You can make a loan query online for free and it will not impact your credit score.


Frequently Asked Questions About Payday Loans

Payday loans have developed a not-so-great reputation in recent years. Due to a lack of regulation in some US states, some companies have been practicing at very poor standards, over-charging or being unclear with repayment fees. With high street payday loan stores, the industry has typically been associated with very high cost interest rates and repayment terms that are not flexible and encourage more high-cost lending.

However, fast-forward to 2021 and the industry has improved significantly. There is strong regulation now in place in US states such as Alabama, California, Illinois, Iowa, Florida, Texas and more. Not only must lenders uphold much firmer and stricter practices to protect their customers, there is also a wave of new startups and businesses offering more innovative products, alternatives and apps to make the consumer better off.

With Pheabs, customers can apply to borrow anywhere between $100 to $35,000. When borrowing lower amounts, you may only need to borrow for a few weeks or months. With the larger amounts, your loan could last for 12 to 60 months, repaid in monthly installments.

If you do not repay or miss repayment, you may be charged a late fee and it could negatively impact your credit score.

It is important that you speak to your lender as soon as possible if you are having payment difficulties. Most lenders will offer you some form of help or repayment plan to make the loan more affordable if you are struggling to repay. 

You may also be given extensions or extra time to pay off your loan, rather than succumbing to late fees, penalties or damage to your credit rating.

No, it is completely free to apply for a payday loan with Pheabs and we will not charge anything for applying and will not take any money from your account.

Yes, our panel of lenders includes payday apps, which allow you to access funds immediately and top up as you go, if you need to. 

Other payday products that you might be offered include installment loans, bad credit loans, salary finance products, cash advances and no credit check loans too.