Need Money Now?

Our online form takes less than 5 minutes to be completed and will give you an instant decision on screen. We can connect you with one of the reputable lenders in our network. There are no fees for submitting a form and your data will be kept safely and securely on our website.

If you need money immediately, your best bet is usually asking your close circle or family and friends who will always want to support you in a tricky time. You can also consider selling household items that you do not need anymore or speaking to a debt counsellor or professional. If you are looking for a fast online option, Pheabs is here to help you with affordable loans, with the option to cancel or repay your loan early if you wish to.

Customers can receive an instant decision when they submit a form and depending on the product, they can sometimes receive funds within 1 hour or the next business day. For products that require extra information like secured loans, you can receive money into your bank account within 1 week of submitting a form.

No, we do not charge any fees for applying. You always have peace of mind that you can submit a loan request and no money will be taken from your bank account. We simply charge fees if your loan is approved, comprising of monthly interest payments.

Yes, we can assist those looking for bad credit loans, including those with poor credit and those with no credit checks. You will usually need to have a stable income and can afford to make monthly repayments. Whilst you have a history of bad credit, the lender just needs confidence that your credit score is improving and you are on track to repay on time. We may also present you with loans with collateral or security, so that you access the funds the you require.

Yes, we can help if you are looking you need to borrow money immediately, but all applications will be subject to further checks including confirmation of your income and credit score — so we aim to approve and complete your loan within 1 hour, 24 hours or the next business day.

Customers can borrow $100 to $35,000 repaid over 3 to 24 months. The amount you can borrow will depend on your income, credit rating and current debt outstanding. This includes payday loans, personal and short term loans.

Our lenders will typically carry out a credit check to see how well you have paid other types of cards and loans in the past. In some cases for people with bad credit, we may offer alternative products from stores, banks, credit unions or apps, or even products secured against your car or home and these may not require credit checks but alternative forms of collateral or eligibility.

No, Pheabs offers soft search loans that will check of the basis of your credit record but not leave any visible footprint. You can have peace of mind when you submit a form that the form will not harm your credit score in any way, or affect your chances of being approved for other loans in the future.

Repayments are collected from your checking account once per month, on a date that you request. This is usually the day that you get paid from work. Repayments are collected in equal monthly installments and you always have the option to repay early if you wish to do so.

For instant options, you may want to look at payday loans because these small loans often come with instant approvals. Since they are usually to borrow $300, the checks are usually fully automated and if you pass the credit checks and are employed and can afford repayments, the money is often funded instantly or within a few hours.