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Most people need financial help from time to time. Even those who manage their money well sometimes find themselves faced with unexpected and unwelcome bills such as car repairs, appliance replacements, and other expenses that have to be paid immediately. In these cases, Loan By Phone can provide you with the cash advance you need to get by financially until the next payday.

Loan By Phone can make a world of difference to your peace of mind by providing you quickly with an amount from $100 to $800 depending on the approval process and your state of residence. Such an amount is usually just what is needed to cope with those sudden expenses that you have not been able to budget for, simply because you were not expecting them. A Loan By Phone application can be approved within an hour or two and deposited electronically into your bank account as early as the next business morning.

All you need to get started is to have a regular source of income and a bank account. After you fill in the user-friendly and secure online application, a representative will contact you to confirm your details and bring the process to a speedy settlement. The Loan By Phone procedure is quick, confidential, and most importantly when you need funds in a hurry, easy to initiate. In some states, there is no need to fax information. The customer service representative who contacts you will explain the process, and tell you if you do need to fax in further information to speed up your Loan By Phone application approval.

With Loan By Phone, there is no traditional credit check to worry about, either. In fact, you do not even need a credit history to qualify. However, checks are carried out with a risk assessment service to ascertain whether Loan By Phone applicants have current loans outstanding with other similar organizations.

Although the Loan By Phone process is speedy, there is also provision for borrowers whose circumstances change for the better suddenly and who may therefore want to change their minds about receiving a Loan By Phone. In such cases, you can withdraw from your Loan By Phone agreement before the end of the following business day. All you need to do is return the full amount of the cash advance of your Loan By Phone, with no costs incurred.

Making repayments on a Loan By Phone is also an easy process, with no need for you to mail your payments or rely on scheduled transactions. Instead, the repayment amount will be automatically deducted from your bank account on the date you expect your next paycheck to be deposited. You will need to remember that the deduction will be made, so you can adjust your budget accordingly. If you prefer, you can prepay your loan, either the full amount due or in increments of at least $5 per payment. There will not be any penalty or extra fees if you choose to pay off your Loan By Phone in this way.

Sometimes, you may find your financial situation has not righted itself as quickly as you hoped, and that you are unable to then make the required payment on your Loan By Phone. If this is the case, you would be well advised to take advantage of the extended payment plan on offer, rather than risking extra fees and charges. By requesting an extended payment plan, you avoid incurring such additional costs on your Loan By Phone.

A Loan By Phone may be taken over a period of from seven to sixteen days with the borrower paying a cost of $22 for every $100 borrowed. Depending on the term of the Loan By Phone, the Annual Percentage Rate (APR) can vary from 501.88% to 1147.14%. Prospective borrowers should remember that while a Loan By Phone is quick, easy, and convenient, it is not advisable to regard it as a long-term solution or as an ongoing source of credit. Obtaining a Loan By Phone on a repeated basis could result in more financial problems for you if you commit yourself to more repayments than you can reasonably afford. Instead, it is best to use a Loan By Phone as a short-term answer to an immediate need, preferably as a one-off source of ready cash to assist with an unforeseen financial crisis. For more information about obtaining a Loan By Phone send an email to [email protected], visit, or phone toll free on 877-577-7977.

LoanByPhone Ratings

0 is lowest, 5 is highest
  • Average 4.5
  • Service 4.5
  • Cost 4.5
  • Time 4.5
  • Use Again 4.5

LoanByPhone Reviews

easy loans with LoanByPhone

The reps you speak with are very helpful, I don't know why more people wouldn't use this method of obtaining a payday loan. Maybe because they think it's un-safe? Well, it's very safe, and extremely secure. From: Anonymous Location: CA
  • 4 Average
  • 4 Service
  • 4 Cost
  • 4 Time
  • 4 Use Again

LoanByPhone is amazing

It took me 15 minutes over the phone to get a loan. The money was wired to my bank account the next day. From: Anonymous Location: California
  • 5 Average
  • 5 Service
  • 5 Cost
  • 5 Time
  • 5 Use Again