About Us

Who is PhenomCash?

PhenomCash is quickly becoming one of the top online payday loan referral services. Our reputable company aims to assist those who need cash fast with securing the funds to cover their financial emergencies. 

What Is a Referral Service and How Are You Different?

We work with over one hundred direct lenders, each of who has been carefully vetted to ensure they only extend real, payday loan offers. This increases the likelihood of a borrower getting an online short-term loan, even if they have poor credit. Our large network and quality service mean a higher loan success rate for borrowers when compared to smaller operations with more limited lending partnerships and resources. 

Why Choose Us?

We know that dealing with financial emergencies can be a stressful time. That is why we have refined our online loan process to be fast, confidential, and simple. All that is required is one application to receive an approval decision in just minutes! You can be confident your information is always kept secure with our encryption and firewall protection. 

Quality Lenders, More Options, Better Offers!

Our network of lending partners not only increases the chances of you getting a loan but can also make you more likely to receive a competitive loan offer that perfectly suits your financial needs. 

Payday Loans, Completely Online in Record Time

Don’t spend time and gas searching your city for a storefront lender only to be met with long lines, less lending capital, and a lack of resources. Our online system is efficient and quick, relying on a database to manage your request and decrease processing times. The best part? If approved you can expect your electronic cash deposit in as little as one business day. 

Payday Loans Fast with No Credit Check

Our process time is so quick because many times our lenders don’t use a hard credit check. Unfortunately, due to the expansive size of our lending network, we can’t guarantee no credit check will be performed. However, many lenders only use a soft credit check and rely on other databases when reviewing your application. In an effort to be transparent, there is no such thing as a no hard credit check payday loan. Don’t be misled by other lending services. However, even if you have less than stellar credit, our lenders will likely still be able to extend you a loan offer. The first step is filling out our online, simple application. We work hard to help our borrowers when they need it most; PhenomCash is here to help with your financial needs.