If you find yourself needing money, but your salary day still seems far away, you can find an online payday loan with Pheabs. We all find ourselves needing a boost in our finances from time to time, and Pheabs is here to help you when you need it. Get a fast and efficient payday loan from anywhere in Alabama. Send a loan request today and get a decision in minutes.


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.

Many people use Pheabs to find cash loans to handle unexpected bills, emergency expenses or home repairs. Once approved, you can get the funds into your bank account in just one hour.

Pheabs helps you find Alabama payday loans with all the best features:

  • Speedy online loan request form
  • Instant decisions
  • Same day funding
  • Flexible repayment options
  • Possibilities for people with poor credit

Payday loans are not right for you if you are hoping to access some extra cash for shopping, partying or frivolous spending. It is also not the best option for you if you are trying to solve a long-term financial issue. Be sure to look into the payday loan repayments and whether you will be able to afford them. If you fail to repay the loan, this may increase interest and affect your credit rating.

It’s best to make sure you are eligible for a loan before sending your request form to avoid disappointment. In order to get a payday loan in Alabama, there are four simple requirements. You must be a U.S. resident and at least 18 years of age. You would also need to have a steady job earning at a minimum of $800 per month. And lastly, you need to have a checking account for your Alabama payday loan to be deposited into. 

If you have bad credit, don’t presume this excludes you from being accepted! You can still find a payday loan in Alabama, even if you have been turned down by a bank for your bad credit.  A past financial mistake may have destroyed your credit rating, but we believe you should have a chance to rebuild your financial strength. Pheabs accepts people with all credit histories. Get started today to get a stress-free payday loan.

Pheabs payday loan process is 100% online. You can get up to $35,000 today directly from your computer or tablet and the comfort of your own home. It takes a few minutes to complete the request form, and you will get an instant decision.

The online loan process is straightforward; If approved, you could have the money in your account within one hour. A payday loan can be particularly useful when facing an unexpected expense that can’t wait. While the reasons people take out a loan are numerous, some of the most common causes include an unexpected vet bill, car, or house repair. A payday loan should never be a long term solution to a financial problem. You should make sure that you understand the consequences of failing to pay.

The terms of your loan will depend on what you agree when accepting a loan offer. Small loans are usually spread over a shorter period of 2-4 weeks. More significant amounts sometimes need to be repaid over a longer-term, this could be equal mostly installments for up to 5 years. If for any reason you can’t repay your loan on time, it is possible for interest to be added and your credit may be affected.

With Pheabs, once you complete our quick online loan request form, you can get an instant decision and same-day funding if approved. Due to the usual urgent nature of the loan, Pheabs works with payday loan lenders across Alabama to streamline the process so they can have the money in your account quickly. Your lender could then have the funds in your account within just one hour!

To make sure your loan request goes through a quickly as possible, have your bank details on hand when filling out the online form. For the quickest response, send your inquiry during work hours as this is when most loans are funded. And remember to remain available to respond once you’ve sent your form — don’t go to the gym or turn off your phone! You may be contacted to provide follow-up information or offered an Alabama payday loan.


What Is The Loan Request Form Process?

Once you click on ‘Get Started’, the form provided, you’ll have to answer a few simple questions about the loan amount you wish to borrow and how long for. We will ask for a few personal details, your employment information and your income as well as expenditure details. We understand that you’ll often need quick cash in an emergency, so we’ll try to get back to you as soon as possible.

Where to Find Us

Pheabs works with lenders all across Alabama to help borrowers get the money they need.

How Much Can I Borrow?

You can borrow payday loans in Alabama ranging from $100 to $35,000.

How Long Can I Borrow For?

With Pheabs, you can borrow a payday loan in Alabama to be repaid over a maximum period of five years.

Are There Any Fees for Submitting a Payday Loan Request in Alabama?

No, there are no fees for submitting a payday loan request form with Pheabs.

Can I Get a Payday Loan With Bad Credit?

Yes, Pheabs accepts people with a range of different credit histories, including those with bad credit.

Are You a Lender or a Broker?

Pheabs is a broker. As a broker and not a lender, we won’t pay the funds directly to you, but pass on your details to the lender we connect you with. We’ll search our panel of lenders to find the right fit for you, with the best interest rates.

How Soon Could I Get the Funds Through?

If approved, you could have the funds in your account in as little as an hour. So if you’re looking for a same day loan, Pheabs could be a perfect option for you.