Loan By Phone Review

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Today multiple cash loans are available. They offer quick and easy alternatives that provide money to pay the bills. Loan By Phone lending also does not conduct credit checks. Need extra money? Do you currently have emergency expenses? This article will help guide you to choose the right lending service to get cash when you need it.

Payday Loan

This company’s lending services are loans offered via phone call. This is especially for those who require extra cash before their next paycheck. Such short-term loans provide the help you need to tackle emergencies head-on. We understand that there are times that you are low on cash yet have many bills to pay. Loan By Phone lending services offer short-term loans that allow you to pay the loan off quickly. Be aware that there are additional costs, such as the Annual Percentage Rate (APR) and Interest Rates, just to name a few. Depending on where you are located, the state law protects payday lending services. Each state has different restrictions, as some do not participate in payday lending.

Payday loans also do not conduct credit checks when you apply. Borrowers are eligible to receive money sent straight to their bank account. The amount of money that can be given through this company can reach thousands. Each loan must be paid according to the agreement with the assigned lender.

How To Receive Money Through Loan By Phone?

If you are considering taking out a payday loan with this company’s service, the process is simple. The company has created a unique system that allows new applicants to simply dial in and get money sent to their account within a few days. Here is how you can get money with Loan By Phone:

  • Log in to the official website
  • Create an account. Immediately after logging in, you will find the option to create a new account. Click this option.
  • Get prequalified. The following screen will provide a form to fill out. You will need to provide information such as your full name, telephone number, address, social security information, income, and how you wish to receive your loan (bank account or cash).
  • After you receive a prequalification, you may contact the customer service representatives by phone.
  • Get funds quickly sent to your bank account in 24 hours.

How Much Money Can I Get With Loan By Phone?

Are you in need of extra cash? Sometimes emergencies come and require our attention. To be prepared, this company offers money to help. You can pay your bills immediately by directly applying by phone today. Depending on the location you live, you may receive up to $1200 in payday loans.

Does Loan By Phone Have Any Extra Fees Attached?

Yes. Every borrower must face the reality of paying extra fees whenever they apply for a loan. You not only borrow money, but you pay for the luxury in having it. Extra fees and rates are included. One popular fee is the Annual Percentage Rate, which is calculated based on your financial health. This may also depend on your credit and the loan option you choose. Therefore, each borrower receives a different rate. For example, if an applicant living in Wyoming applies for a $300 loan, the annual percentage rate MAY be approximately 260.71% with an additional $30 fee. The additional costs rise when borrowers choose to use these loans for months instead of 2-4 weeks.

Can I Make Late Payments For My Loan By Phone Payday Loan?

No. The services of this company are meant to be a short-term lending solution. When borrowers do not pay, the loan extends further, and additional fees skyrocket. Not only that, by credit health and potential chances decrease. Take a look at what this lender will do if you fail to make timely payments:

Contact Customers To Collect Debt – The company has the right to contact customers in an attempt to collect the debt. They may call, send texts, emails, and even postal mails. If this happens to you, try to remain open with your lender. Loan By Phone understands that things happen. These methods of contact are not to harass customers to connect with them.

Credit Health Could Decline – If contacting the borrower fails, the next thing this company may do is report to the credit bureau or turn over the debt to a third party. This will leave a negative impact on your credit history and lower your credit scores. Scores may lower significantly until payment is made. Try to avoid this by paying according to the agreement.

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Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
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  • Credit or Debit card
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How Legit Is Loan By Phone Lending?

We know that shopping for the right lender can make you skeptical about the different options available. Many online lending services promise great loans; however, paying back the loan is near impossible. Loan by Phone is 100% legit. This convenient option has helped many Americans get back on their feet financially.

How To Get Money For Loan By Phone

Are you ready to get your finances in order? To get started with the easy Loan By Phone system, adhere to the following step-by-step instructions:

  1. Locate the official website
  2. Set up your lending account. This is required for you to submit payments and review your information when needed. Click the button ‘Set Up An Account.’
  3. Go through the prequalification stage. This page requests your personal information, such as a current address, income, social security information, and phone number. Also, choose whether you will like to pick up your loan in cash or receive it via a bank account.
  4. Speak to a representative. Call the telephone number (877)577-7977
  5. Get your money sent on the same day.

What Are The Requirements For Loan By Phone Lending Services?

If you would like to apply today, you must first qualify to start. Here are the requirements for the right candidate for this company’s lending services:

  • An adult 18 years or older
  • A resident of the United States
  • Employed for at least 90 consecutive days
  • Provide proof of income in the form of paystubs
  • Have an email address
  • Have an active telephone number
  • Have a checking account where funds may be sent
Advantages of Loan By Phone
  • Convenient Service ;
  • Accepts Bad Credit Scores ;
  • No Drama Process ;
  • Clear Your Debt ;
  • Low Income Approved ;
Disadvantages of Loan By Phone
  • Non-payment Results In Lower Credit Scores ;
  • Lower Chances Of Borrowing ;

What States Can You Get Loan By Phone?

Not all states participate in Loan By Phone lending services. The locations that do include Alabama, Alaska, California, Hawaii, Idaho, Kansas, Louisiana, Missouri, Nevada, Oklahoma, Rhode Island, South Dakota, Texas, Utah, Washington, and Wyoming. Unfortunately, if you do not live in those states, you can not apply for the payday loan. Check with your state regulations for more information.

What Do You Need To Get A Loan Online?

Getting a loan with this company is so convenient you can do it by phone. However, if you choose to get a loan online, the process is similar. All you need are:

  • Proof of Identity (Government-Issued State ID, Driver’s License, Passport, etc.)
  • Social Security Number
  • Proof of employment over 90 days
  • Proof of regular income
  • Banking information

What Do You Need To Get A Loan In-Person?

The same information applies to get a loan in person. Although it is easier to get a payday loan over the phone, sometimes visiting a physical location is more convenient. It is essential to keep an organized collection of the following documents when you visit any store. Here is what you need:

  • Current Address
  • Government-issued ID, Driver’s License, Passport, etc.
  • Proof of consistent employment

  • Proof of income from the same establishment
  • Banking Information

What Are The Hours For Loan By Phone?

To properly serve the many customers that require attention, Loan By Phone offers online and phone care. There is no physical store location that customers may visit. This creates a convenient process where you can receive your money without delay. Also, you do not have to make an appointment. Applicants can apply for a payday loan at any time. If you require help or have any questions, you may call the Customer Service Department Monday to Friday from 8 am to 9 am EST. The department is also open on Saturday from 10 am to 5 pm. Call (877)577-7977 or email [email protected]

Final Thoughts

There are always unexpected things that come to threaten our finances. When this happens, Loan By Phone is a helpful tool to help. Every day, the phone service approves applications that put families back in control of their finances again. Payday loans provide short-term solutions for your long-term financial future. This helps while you wait on your next paycheck to come in. The best part is that there are no long wait times. Your application gets approved in just minutes. Following after, your funds will be sent to your bank account within 24 hours. Try this company to pay your bills and put your household back into good standing.

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