Loan by Phone | PayDaySay (2023)

Say goodbye to financial stress with our payday advance services.

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Modern life is hectic and extremely busy. There are so many things to keep in your head and so much work to do. While your duties can be endless, you may end up facing a sudden emergency you aren’t prepared to. Whatever curveball your life throws at you, PayDaySay is ready to offer our quick help in the form of loans by phone.

PayDaySay is a publisher supported by advertising that gets compensated in exchange for your clicking on links posted here. Being an independent comparison service, PayDaySay may feature sponsored services and products based on the compensation rate.

Best choise


Best for Fair Credit



this rating is our subjective opinion

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans


Best for Fair Credit



this rating is our subjective opinion

Minimum Credit Score


APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans


Best for Fair Credit



this rating is our subjective opinion

Loan Amounts From $100 to $10000
Fixed APR Does not charge interest
Loan Terms From 90 days to 70 months
Fees No late fees origination fees
Time to Receive Funds Same day funding available
Recommended Credit Score No credit check required

Cash Loans Over the Phone

Are you constantly in a rush? Even if you don’t have the time to stop for a few minutes and sit back, we provide professional loan-matching help to get a loan in 24 hours by phone. Sounds exciting? Well, it’s true.

Our online-based company has been working for many years already and has helped thousands of satisfied clients across the USA. We try to connect each loan request with the best lenders on the web.

A loan over the phone is the new normal. We understand that sometimes you may not even have the time to access your computer or go online to submit an application. Yet, unforeseen events and sudden monetary disruptions don’t want to wait.

When you need to obtain some urgent cash, turning to payday loans or installment loans over the phone is the top solution.

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What Do I Need To Apply for a Loan Over the Phone?

The user will normally need to provide the lender with certain information and supporting documentation to apply for a loan over the phone. Depending on the kind of loan and the regulations of the lender, the specific criteria may vary, however, some typical requirements include:

  • Personal Information: Name, address, phone number, date of birth, and Social Security number or/and driver's license info must all be provided by the user.
  • Employment Information: The user must provide their current work status, including their job title, employer name and contact information, and income.
  • Financial Information: The user could be questioned about their financial condition, including any outstanding debts, line of credit usage, valid bank account, available assets, and available savings.
  • Documentation: A recent pay stub, bank statement, or tax return will probably be required of the user to validate their income and work status.
  • Age: To be eligible for a deferred deposit transaction or installment loan, the user must be at least 18 years old.

When asking for a loan over the phone, it's crucial for the user to thoroughly research the lender's regulations and standards to make sure they satisfy all requirements and have all essential evidence.

Get Loans Online Here 24/7

We will try to connect you with a direct lender no matter what your credit score is.

Get Started

Loan by Phone | PayDaySay (11)SSL protection & encryption

3 Steps to Request Funds Online


Fill out the Form

  • short and easy form
  • safe & secure


See If You're Approved

  • real-time request review
  • large network of lenders


Check Your Account

  • convenient borrowing option
  • money into bank account

Loans By Phone with No Credit Check

If you are willing to request a fast and secure personal loan for the short term, you should just make a few steps. Try our great feature today, and we will try to connect your application for personal loans over the phone 24/7. All you need to do is to click on our Toll-Free Number 888-585-6469 (for US clients only) button and get informed on the lender’s decision in 1 hour or more. Another way is to try an emergency loan with the traditional online application process.

Pay attention that our company doesn’t issue a line of credit or any other lending services as we are not a direct lender. We serve as a bridge connecting you with numerous lenders to help you obtain easy and almost instant payday loans over the phone.

The request can be approved in a short time. Third-party lenders we cooperate with may issue the funds to your checking account within one business day, but sometimes it takes between 24 and 48 hours.

Keep in mind that there are hardly lenders that conduct no credit check. We want to warn you to stay away from such scams and save your time and money. Even if you apply for loans over the phone, the lender still verifies your identity details. It is called a soft credit inquiry as it won’t hurt your credit report. This procedure is just necessary for giving lenders a chance to check and review your credit profile, make sure you have steady employment and income source to pay the debt off on time. Based on this information, the lender will also provide you with the best loan terms and conditions within one business day.

Strong benefits you can use

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Fast access to money

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Easy and secure form

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Quick Decision

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Check your loan offer

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Electronic money transfer

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Loan connection service

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Cash Advance Loans By Phone with Bad Credit

Some borrowers are worried about their credit history and scared to apply for short term loans if the credit is less-than-stellar. We understand that the majority of conventional financial institutions reject such requests and view them as high-risk giving preference to such an option as a line of credit. We deal with the high-rated lenders who issue financing fast and almost always within one business day.

You may have had certain issues in the past. But every person makes mistakes. We encourage you to try and get in touch with us. We don’t guarantee approval but we will try our best to connect you with the best direct lenders for the easiest possible application process. Some of them may offer you personal loans even with poor credit.

What Bad Credit Is?

A person's creditworthiness is represented numerically by their credit score. It is determined using a person's credit history, which comprises credit accounts, payment patterns, and other financial data. Lenders and financial organizations use credit scores to evaluate a person's repayment capacity and measure the risk of issuing credit.

Payment history, credit usage, length of credit history, new credit accounts, use of debt consolidation, and credit mix are some of the variables that go into calculating a credit score. The most crucial element is the payment history, which shows whether a person has historically made an on-time loan payment amount. Credit usage, or how much credit is being utilized relative to the total loan amounts available, is another important factor in determining a credit score.

Usually, a score below 600 is seen as having terrible credit. This suggests that a person has a history of delayed payments, debts that have defaulted, or large loan amounts. A low credit score might make it challenging to get personal loans or good credit limits, and it could mean higher interest rate and other costs when an unsecured loan is approved.

Late installment loan payments, defaults, bankruptcy, and collections are all elements that might lower a person's credit. People should keep an eye on their credit scores frequently and take action to raise them, such as paying payments on time, maintaining low credit card balances, and challenging any mistakes on their credit reports.

Don't waste your time. Get a loan online.

Get a Loan

Apply Over the Phone for a Payday Loan

Whenever you feel the immediate money need, there is a chance to receive quick financing unsecured loan over the phone. Many lenders now offer a simple and streamlined online process for low interest loan applications, making it easier and more convenient for borrowers to access funds. Of course, it is quick and secure to apply for personal loans online from the comfort of your home. But it’s even faster to get extra funds while you are grocery shopping, making an expensive purchase, traveling, or just being on the go.

So, you can continue doing your chores or enjoying your life while following these easy steps to apply for loans over the phone:

  • Click the Toll-Free Number 888-585-6469 (Area code 1) button on our site.
  • You will get connected with our operator. Follow the steps to get transferred to a direct lender. Make sure you tell your basic personal, financial, and employment information.
  • You can look through reviews and feedback of our pleased clients on the web and get to know more about our services. We want you to be 100% sure that our service of connecting you with 24 hour loans by phone is absolutely secure.
  • You will be asked to answer a few questions and tell the total loan amount you would like to take out. You will be transferred to the available creditors who can issue a payday loan agreement by phone with no delay.

Alternatives to Payday Loans Over Phone

Users may utilize their phones to obtain several payday loan options. One smart long term financial solution is to apply for and manage a personal loan fully online or through a mobile app. These loans are often more inexpensive for borrowers since they feature longer payback durations and lower interest rates than payday loans plus there is no origination fee.

A credit card is an additional option that, like debit cards, can be applied for and used through a mobile app from Play Market or App Store. With the option to pay off the debt over time and extend the loan term, credit cards may provide customers access to a line of credit that can be utilized for unanticipated needs like home improvements or utility bill payments.

The user should investigate and contrast various lenders and personal loan possibilities like installment loans or title loans before selecting any loan package. To choose the loan that best meets their requirements and financial circumstances, they should take into account the interest rates, origination fees, payback periods, finance charges, and any other important considerations. Also before using credit access business services for a loan, it's important to research their reputation and ensure they are properly licensed to operate by your state law in South Carolina for example. The borrower may make an educated choice about their borrowing alternatives and steer clear of the high fees and hazards connected with payday loans by being proactive and well-informed.

We’ll Keep You Moving

One of the major advantages of such financial assistance is the ability to keep on doing your work or anything else. We help you to save time and effort by connecting you with a wide network of direct lenders who are ready to offer payday loans by phone. Conventional financial institution offices don’t have this opportunity as they require multiple documents and tedious paperwork before you apply.

Luckily, alternative companies like PayDaySay have revolutionized the way we with our customer service team provide our loan-matching services. You can apply for loans over the phone in a much shorter time and with no papers and faxing documents at all. It is specially designed for busy people and consumers who face a sudden shortfall without Internet access. When you are strapped for both cash and time, personal loans over the phone become your only way out.

A personal loan by phone requires basic data about you including your full name, the last four digits of your social security card number, and your employment details to provide you with the best loan term and conditions. It is quick and secure and doesn’t need any further data or faxed loan documents.

Apply for a loan over the phone now! Get started and acquire the quickest assistance today!

Frequently Asked Questions

Can you take out a loan over the phone?

Yes, we are ready to offer this new feature through our web platform. We will transfer your phone request to third-party lenders and help you get funded even when you are in a rush.

How can I get a loan over the phone?

Click the Toll-Free Number 888-585-6469 button on our site to get connected with the operator. Follow easy steps, provide your basic personal and financial details, and get matched with the best finance-related service providers available in your state.

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Rebecca McClay

Rebecca McClay is a financial writer, editor and and content consultant who has over 10 years of experience covering personal finance, business and investing. She is a regular conrtributor to Investopedia and published in Bloomberg, The Wall Street Journal, TheStreet, MarketWatch, Investorplace Media, Money Morning, etc.

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