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Low on cash? LoanByPhone makes it easy to get the cash you need -- even if you have bad credit or no credit! If you have an emergency cash need of $100-$800 let LoanByPhone help you. Payday Loans are available to those receiving benefit income (Social Security or Disability checks); renters; those who work part time; those who are paid on a monthly basis; and those who are self employed. Loans are not provided to those in the military. LoanByPhone is a member of Community Financial Services Association of America (CFSA) and is dedicated to licensed and responsible lending practices. As a state licensed lender, LoanbyPhone fees per $100 borrowed will vary depending on state laws and regulations. Click the Find Out More button below for the fee for your particular state.
Fee for $100 Loan
Fax Required
Checking Account Required
$Varies by state


Is your payday too far away? LoanByPhone can get you the cash you need when you need it. If you're low on cash and need a little help, apply for a payday advance at LoanByPhone. LoanByPhone has an A+ rating with the BBB, and is accredited and a member of the CFSA (Community Financial Services Association of America). For 10 years LoanByPhone has been providing payday loans and cash advances to help people bridge the gap until their next payday.

Requirements for payday loans at LoanByPhone:
  • Must have a minimum monthly Gross income of $800

  • Must have an Active Checking Account

  • Must be at least 18 years old

LoanByPhone provides loans in the following states: Alabama, Alaska, California, Hawaii, Idaho, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming. As a state licensed lender, LoanByPhone fees per $100 borrowed will vary depending on state laws and regulations. Below is a state listing of Fees per $100 for a 14 day period.

Fees by State for $100 borrowed for a 14-day period:
  • Alabama: $17.50 (456.25% APR)
  • Alaska: $20.00 (521.43% APR)
  • California: $17.65 (460.16% APR) Note: $255 is max loan amount
  • Delaware: $30.00 (391.07%) Note: 28-day advance with 1 payment
  • Florida: $15.00 (391.07%)
  • Hawaii: $17.64 (459.90% APR)
  • Idaho: $25.00 (651.79%)
  • Illinois: $15.50 (404.11%)
  • Indiana: $15.00( 391.07%)
  • Kansas: $15.00 (391.07%)
  • Louisiana: $30.00 (782.14%)
  • Mississippi: $20.00 (521.43%) Note: $200 is state maximum
  • Missouri: $25.00 (651.79%)
  • Nevada: $25.00 (651.79%)
  • Ohio: $26.19 (682.81%)
  • Oklahoma: $15.56 (405.67%)
  • Oregon: 13.04 (153.54%) Note: Based on a 31 day advance with 1 payment
  • South Dakota: $25.00 (651.79%)
  • Tennessee: $17.64 (459.90%)
  • Texas: $25.47 (664.04%)
  • Utah: $25.00 (651.79%)
  • Washington: $15.00 (391.07%)
  • Wisconsin: $25.00 (651.79%)
  • Wyoming: $20.00 (1042.86%) Note: 7-day advance
LoanByPhone offers payday loans or cash advances to those receiving benefit income (Social Security or Disability checks); renters; those who work part time; those who are self employed; and those who are paid on a monthly basis. LoanByPhone does not provide loans to those in the military.

For a customized listing of Payday Loans for your State of Residence Click Here.

Nesco Products, Inc., owner of, is an Authorized Affiliate of LoanByPhone and is being compensated.

Click Here for all Payday Loan Lenders

Looking for an Installment Loan or Personal Loan instead? Click Here


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Disclaimer: Fee and Account Information may not reflect the current fee and APY Details of a particular Payday Loan lender. The amount of money borrowed, the number of days outstanding, and the State of Residence may affect the rates. Be sure to check all details when visiting the particular lender. and Nesco Products, Inc are not Lenders or Investment Advisors.

Current Payday Loan Lenders: Ace Cash Express | Cash Central | Cash Net USA | Check Into Cash | MyPaydayLoan | Loan By Phone | Check City

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