Sometimes, you find yourself in need of funds that you may not have. It’s understandable. Whether you are facing an unforeseen expense, preparing for a one-time special event, or just need to cover your bills, we help borrowers manage their costs with simple and quick online payday loans.
Our straightforward and timesaving process can get you the money you need often within one business day. Our online application is available 24/7 and we’ll work with you to find a direct lender that meets your needs while answering any questions you may have during the process. We strive to provide you with the monetary assistance you need to ease your financial worries.
What Is A Payday Loan?
A payday loan is a suitable option for borrowers who need cash quickly for short-term or one-time financial needs. Payday loans are a form of unsecured loans that typically need to be repaid when you receive your next paycheck. Our payday loan process happens entirely online, including the direct deposit of funds into your bank account.
Depending on where you live, you could secure up to $1,000 per loan. Our application is always accessible and our service is always fast. Some borrowers receive an instant decision and cash in their account the same day!
Our Process Step-by-Step
PhenomCash will be there with you along the way, but our process is quick and efficient. There isn’t any waiting in lines, gathering documents, or agonizing for days to hear about your approval decision. Simply check yourself against the eligibility requirements, submit your application, and get approved in just minutes.
1. Submit the Online Application
Navigate to our website to fill out our application. It’s secure and simple.
2. Get Approved
For those that are pre-qualified, you can e-sign the loan agreement and go directly to the funding process.
3. Get Your Money
Funds should appear within your bank account within 24-48 hours.
Payday Loan Eligibility Criteria
Before you apply, review if you meet the following requirements. This will ensure that you get your money as soon as possible.
- You must be over 18 (review your state’s regulations)
- Have citizenship or permanent residency of the US
- Not be an active military member
- Provide proof of stable income
- Have an active bank account
Are Credit Checks Required for Approval?
Our payday loans are uncomplicated and quick, and most borrowers don’t have a problem getting approved. While no credit check loans don’t exist, our lending partners only use soft credit checks. These credit reviews won’t harm your score and aren’t the only thing our lender partners consider. Most lenders take into account your income and ability to repay the loan, and often approve requests even if the borrower has bad credit.
We have helped hundreds of borrowers and understand that not everyone is able to have a perfect credit history. If you are looking for a confidential, easy, and convenient way to get cash, we are here to help.
Why Should I Choose PhenomCash?
We like to think that our streamlined process is the fastest and easiest way to get money. Our lending partners are carefully selected and vetted to ensure they follow our strict lending policies and only extend real loan offers.
We know that it can be daunting to seek financial assistance, especially if you have a bad credit score. However, most of our lenders don’t base decisions solely on your credit history and many of them take on borrowers with poor credit and even no credit. We work to match you with the most suitable lender providing the best loan offer for your unique situation.
When you work with PhenomCash you won’t have to worry about working with a middleman or being surprised by hidden fees. There is no cost for filling out an application. If you’re approved, our lending partners pay us a commission for matching them with a borrower.
We are invested in offering our customers great rates, secure and simple service, and a way out of their financial problems. When you’re ready, you can get started on your loan request 24 hours a day, 7 days a week.