Are you considering a payday loan while you wait for your next cheque? Pheabs works with lenders to offer payday loans all over Louisiana. Pheabs makes it easy for you to acquire the money you need with a speedy online request process. You can inquire for free to borrow from $100 to $35,000 and receive an instant decision. There are no fees for sending a loan request, and the money can be paid into your bank account the same day in one lump sum.

To help you understand payday loans, we’ve provided the answers to some of the most common things we get asked


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.

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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.

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Soft search will not impact your credit score

If you are fully approved, you can reWe offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.

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Before you request a payday loan, you should consider whether you meet the conditions necessary. Not everyone is eligible for a payday loan in Louisiana, so be aware of the requirements and stipulations. There are four main conditions to be eligible:

  • You must be a U.S. resident.
  • You have to be at least 18 years of age.
  • You need to have a consistent income with earnings at a minimum of $800 per month.
  • You must have a checking account that your Louisiana payday loan can be deposited into. 

Many people successfully use payday loans to help them deal with short-term financial problems. However,  A payday loan should never be a long term solution to a financial problem, and you should understand the consequences of failing to pay. If you need an emergency economic boost, a payday loan in Louisiana could help you get back on track. They could also cover one-off expenses such as car repairs, hospital or veterinary bills. You shouldn’t use payday loans for frivolous spending, shopping or a fun night out. Make sure to consider carefully whether a payday loan is right for you. You should also consider alternatives to coping with your finances, such as borrowing from family and friends.

Searching for a loan manually can be time-consuming. Visiting a store and filling out paperwork may not suit you if you’re in a hurry. If you can’t afford to spend time comparing rates and terms, let Pheabs do the legwork for you. We compare lenders across Louisiana and show you the best loan for your circumstances. Pheabs is 100% online, and we will never charge you a fee for using our services.

Pheabs is perfect for people looking for a same-day loan online, and this quickens the process. Pheabs is designed to find you an online Payday loan in Louisiana and get the money you need into your bank account quickly. The process is simple, speedy and user-friendly. Taking the time to visit a local storefront, find parking, queue and fill out paperwork makes the whole process of finding a paid loan in Louisiana long and tiring. With Pheabs, there’s no need to leave the house, simply request from your computer at your convenience and find the loan that’s right for you.

Even when we budget carefully, and work out monthly financial plans, we can all be caught off guard by an unforeseen or emergency expense. When you use Pheabs, you can select any amount between $100 and $35,000. You can also choose a repayment period that suits you. You can choose from 2 weeks up to 5 years. When considering your request, lenders only perform a soft credit check, so you can rest assured it won’t affect your credit rating.

Louisiana payday loans are repaid over two weeks to five years in equal monthly instalments. If you need to cover a one-off emergency bill, a couple of weeks may be long enough to get you to your next paycheque. For large sums, you may need to spread out the repayments more. You can choose to repay your payday loan in equal instalments each month up to five years! You are also always able to repay the loan early to save money on interest.


We are all faced with emergencies or unforeseen expenses at some time, and we understand the urgency most people feel when requesting a payday loan.  Therefore, it is essential that the funds are in your account as quickly possible. With Pheabs, your payday loan is received the same day so you can rest in peace knowing that your finances are handled. Your Louisiana payday loan could arrive in your account in just one hour!

Wherever you are in Louisiana, Pheabs can help find payday loans that best suit your borrowing needs.

Filling out our loan request form is simple to do, and can take under five minutes to complete. Simply click on any of the “Get Started” buttons, and you’ll be taken to our online form.

Once you’ve filled in our online form with a few personal details (including your income, your expenditure and employment status), as well as the amount you wish to borrow and how long for, we’ll then connect you to the lender most suited to you from our trusted panel.

Because we’re a broker, and not a lender, we won’t be the ones to provide the funds directly to you. This will be handled instead by the lender we connect you with.

How Much Can I Borrow?

Through Pheabs you could borrow anything from $100 to $35,000.

Is Pheabs Free To Use?

Yes! Pheabs is completely free to use, we won’t charge you anything for using our loan submission form.

Can I Get A Loan With Bad Credit?

Yes, you can get a payday loan with bad credit. Pheabs takes into account all different types of credit histories, and tries to find loans most suited to your needs and financial situation.

Is Pheabs A Direct Lender?

No, Pheabs is not a direct lender, we work with over 50 lenders as an introducer and our technology can match your loan requirements with the best lender for you. We simply receive a small commission from the lender if your application is successful.

How Long Can I Borrow For?

Repayment periods for payday loans in Louisiana can last a maximum of five years.

Are You A Broker Or A Lender?

Pheabs is a broker, not a lender, meaning we won’t provide the loan directly to you, but rather connect you to a suitable lender from our trusted panel.