Payday Loans by Phone

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Payday loans by phone, also known as payday advance, are a quick and easy way to get emergency or short-term cash. You can apply for payday loans over the phone from the comfort of your home. Payday loans online is very easy and straightforward. It only takes a few minutes of your time to fill out the application form on the website of the payday loan company.

Payday Loans by Phone

Payday loan online application is always confidential. You do not have to give any personal information on the application form except name, address, contact number, and employment status. On approval, you can borrow up to $1000 for a period of 7 to 30 days. You will receive the cash directly into your bank account on the following business day after approval of the payday loans online application.

Payday loans are for short-term needs only. For example, you have to pay your internet bill on time. You do not have the cash to pay the bill. Online payday loans are a good way to solve this kind of problem. You can apply for a payday loan online and get the needed cash to settle the bill before it gets cut off.

The other reason you can apply for a payday loan online is that you have bills that are due in a few days, and you do not have sufficient money in your bank account. If you want, you can borrow money from someone, but, at certain times, it is not possible to borrow money from anyone or any company.

How do Loans by Phone Work?

When you apply for a payday loan online, do not provide any personal information. This only helps the lenders to protect their customers. If you need to pay back the loan, at that time, you can repay your loan and make additional payments.

When you use the services of payday loans companies, you receive a cash advance in your bank account on the date when your application is approved by the lender company. Because it is an online service, there are no waiting lines, and there is no need for paperwork. The process is very simple and quick. You just have to fill in a few details on an easy-to-use application form, and then you will get cash into your bank account immediately after the approval of your application.

To get payday loans online is easy. Just fill in the short application form and submit it. Usually, the lending company will contact you shortly after submitting the application form. They will ask for some additional documents, a photocopy of your ID, or a W-2 form. If everything is fine, they will transfer the money into your bank account within 24 hours of approval of your application for payday loans online.

Loans by Phone Can Help in an Emergency

It is very common for people to have a situation in which they cannot borrow money from friends or family. If you usually borrow money from your relatives or a friend in a time of crisis, using a direct-payday loan by phone can be a good alternative. It is easy, quick, and convenient to apply for payday loans online. Just find out the nearest payday lender company and visit their website. Find the payment form and then fill in the details about your application. Once you submit your details, the cash will be transferred into your bank account on the following business day after approval of the payday loans online application. The best thing about payday loans by phone is that you do not need to go to the lender’s office. You can apply for the loan online and get the required cash anytime you want.

How do you get one?

  1. Call your bank and ask to borrow the money from them.
  2. Take out a secured or unsecured borrowing from a friend, family member, etc.
  3. Go to the local credit union
  4. Use a pawnshop to loan you money
  5. Get an unsecured bank loan
  6. Use a payday loans service to receive it fast, that charges expensive fees.
  7. Use a Cash Advance Lender

A payday loan by phone also called a payday advance or an online payday loan is a small, unsecured, short-term cash loan that is typically due on your next payroll or payment date. There are many companies ready to provide this service over the phone. They will send you money very quickly and you can get away with a one-time faxed signature. Payday loans by phone are available in some states where direct payday loans online are not allowed. States that have laws restricting direct payday loans tend to welcome payday loans by phone.

A payday loan online is on par with a postdated check. If you were to cash a $500 postdated check, you might receive $400 in cash and a $100 check for the loan fee. That would be a 667% APR, which isn’t illegal in most states. Most consumers know what an APR is, but they don’t quite comply with it when taking out a payday loan online. Payday loans by phone give you more time to pay back your debt than your standard postdated check transaction, so you’ll likely end up paying less interest.

What are the requirements for Payday Loans by Phone?

When applying for a payday loan by phone, you need to meet a few requirements. The qualifications for a payday loan are similar to any other form of credit that you use, like a credit card or checking account. Some lenders may also require either a recent pay stub to verify your income or access to your bank account. If you do not already have an existing service with the lender, you can still qualify for a payday loan by phone, but the loan process will be slightly different. You will need to provide two forms of identification, such as a state-issued ID and another form of identification like a piece of mail or utility bill that confirms your address.

Most people tend to have a checking account, but not all lenders require you to have one in order to get a payday loan online. Downloading the application is easy and most lenders will accept faxed or online versions of your application. You will have the option to select which verification method works best for you and the lender won’t require more than one item when qualifying for the loan.

Online Payday Loans Application Process

The application process online for payday loans is very easy. It only takes 10 minutes of your time to fill out an application form on the website of the payday loan company. However, there are some basic requirements that you must meet in order to qualify for payday loans online. The basic requirements are:

  • You must be at least 18 years old;
  • You must be a U.S. citizen or a permanent resident of the U.S.;
  • You must have a bank account;
  • Your monthly income must be at least 1000 USD; 
  • You must be employed for at least two months.

You can either apply for payday loans online or visit the nearest payday lender office to apply for payday loans directly. There is no need to sign any paperwork if you apply for a direct payday loan. However, if you apply online, you will have to sign an electronic agreement and submit it with your application form. When applying for a direct payday loan, you do not need any additional documents except a photo ID and proof of employment such as a W-2 form or pay stubs from your employer.

Can you take out a loan over the phone?

Yes. A payday lender will qualify you by requesting personal information such as:

  • Your full name.
  • Date of birth.
  • Social Security number.
  • Current and previous addresses.
  • Cell phone number.
  • Place of employment.
  • Source of income.

In some cases, a lender will request to speak with your employer or credit card issuer for verification. Your payday lender will run a hard inquiry into your credit history when you apply for the loan. If this is at all inconvenient for you, find a lender that offers a preliminary loan that you can pay back if it meets your needs and conditions.

You will have the option of paying it back with your next paycheck. Some lenders even have options available that allow you to repay the loan early without late-payment fees or penalty pricing. At the completion of the application process, you usually must input your bank account information to confirm your deposit method when funding a payday loan online. These are called direct deposit payday loans because you get your money straight from your bank account.

In most cases, the lender offers direct deposit so they know people can repay their debt on time or they wouldn’t offer this service. The lenders may not require this same verification for a payday loan by phone, but they tend to go by the same rules as your bank account provider.

The funding is almost instantaneous when applying for a payday loan by fax if you use paper checks and electronic payments are made through ACH transfers to the lender’s banking institution.

Most lenders have offices staffed with representatives ready to help you process any questions at any time during business hours in their local time zone. You can call them at a time that fits best into your workday or even accesses them after hours if you need assistance after normal business hours.

Borrowers also have access to real-time balance inquiries via telephone, text message, and email 24 hours a day 7 days a week to ensure that they keep track of their finances at all times.

How to Apply for Payday Loans Online?

The process to apply for a payday loan online is very simple and straightforward. All you have to do is go to the website of the company that offers payday loans online service and fill out an easy-to-use application form on their website. Once you submit the application form, it will get processed by the company. If your application is approved, you will get cash directly to your bank account within 24 hours of approval of your application for payday loans online.

Apply Now For Payday Loans by Phone at TheGuaranteedLoans.com. 

It is easy to apply for a payday loan online by filling in an application form on the website of the lender company. The application form has clear instructions on how to fill it out online. You only have to provide very basic information about yourself and your financial circumstances.

If you are applying for a direct payday loan, you do not need to go to the lender’s office. The lender will contact you within one business day after your application is submitted, either by email or phone. He will ask for some additional documents, a photocopy of your ID or W-2 form if you are employed or something similar if you are self-employed.

FAQ

How do you get a payday loan by phone with no credit check?

The application for a payday loan online is a simple and straightforward process. All you have to do is visit the website of the lender company, fill out an easy application form, submit it and wait for approval of your application if everything is fine. Usually, the approval will come within 24 hours after the submission of your application. After you approve the loan, cash will be sent to your bank account on the following business day.

Can People with Bad Credit Apply Over the Phone?

Once you get the payday loan online, regardless of the lender, you are not required to have a credit check before getting the money. However, if you want to apply for a direct payday loan, then your credit will be checked to confirm that you can repay the loan and that you are employed and can afford to repay the loan. If your credit is not good and you do not meet all these requirements, then it is better to apply for a payday loan online in order not to waste your time.

Can I get instant approval if I apply for a payday loan over the phone?

You will get approval within one business day after submission of your payday loan application online. However, it is not possible to approve your application instantly because the lender has to check your eligibility for a payday loan. If you have poor credit or have never borrowed money before, then you might have to wait for approval for up to two business days.

How long does it take to get funds after requesting payday loans by phone?

Once you get approval for the loan, the money will be deposited into your bank account on the following business day. The best thing is that the payday lender company will not hold any checks or request further information from you before he sends you cash.

How much does it cost to get a payday loan by phone?

The cost of getting a payday loan over the phone varies from one lender to another. In general, these loans are always available to you at a low rate of interest because the lender is taking a higher risk by lending money to people with bad credit or those who have been denied loans by other lenders. However, if your credit is not that bad and you have a good record, then it is better for you to go to a direct lender and save some money on interest.