Loans by Phone – Get up to $5,000 with No Credit Check
- Convenient Application Process
- 24/7 Payday Loans by Phone
- Guaranteed Loan Decision in 1 Hour
- Emergency Options with No Hard Credit Check
- Bad Credit Is Accepted
- Get Money by Tomorrow
Advertiser Disclaimer
1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.
If an emergency has taken you by surprise and you have no funds in your savings account, you're welcome to request a loan by phone from 1F Cash Advance. We are here to help you get money fast without even visiting a physical store. Apply online 24/7 and get a quick fix within just one business day. Our lenders accept bad credit borrowers, so you can qualify with any rating.
How Do Emergency Loans by Phone Work?
Emergency phone loans are borrowing options you can access quickly without visiting a lender's store in person. There are two ways to get a loan over the phone. The first option involves calling the lender directly. The process typically looks as follows:
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Dial the Lender's Number. Call your lender and provide all the needed personal information to a loan officer. They will fill out a loan application form for you.
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Check Your Loan Terms. The loan provider will review your application details and make a loan decision within just one hour. If approved, you will get a loan offer via email. Review terms and rates and e-sign the loan agreement if you're fine with them.
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Get the Money. Loan proceeds will be deposited into your active bank account as soon as the next business day. Some lenders may offer same-day funding for borrowers approved before noon on weekdays.
If you have Internet access, you can also opt for an online application process. 1F Cash Advance offers a simple loan request form. You only need to provide some basic personal and financial information, which typically takes less than 5 minutes.
Benefits of Loans over the Phone
Loans that you can take over the phone provide a certain level of convenience for people in an emergency. Here are their key benefits:
No transportation costs and time waste. You can apply for a loan online 24/7 in just a few minutes;
Quick approval & funding times. Get an approval decision in as little as 1 hour and access the money in your bank account within 24 business hours;
No hard credit checks. Our loan providers are not focused solely on FICO ratings, so bad credit borrowers are considered.
Requirements for Getting 24/7 Loans by Phone
Most loans by phone are considered easy to get. You typically need to meet just a few requirements, such as:
- Reach the age of 18;
- Be a US legal citizen;
- Have an active bank account in your name;
- Provide proof of regular income.
Each direct lender may set its unique criteria, though. They may also apply certain requirements to your debt-to-income ratio and payment history.
Why Choose 1F Cash Advance for Loans over the Phone
At 1F Cash Advance, we work with our customers in mind and value their time. By filling out just one application form, you can access multiple loan offers from reliable loan providers in a matter of minutes. Here’s what you get by working with us:
- Convenience. Our loan process is fast and simple. Each step can be completed from the comfort of your own home;
- High approval chances. The direct lenders we partner with look far beyond just your credit score, so they will consider your application even if you were turned down by traditional financial institutions;
- Transparent loan terms. We don’t hide anything from you in fine print, so you will always know what you’re going into before signing a dotted line;
- Safety. We use modern encryption technology to protect your sensitive data.
- No impact on your credit score. Our lenders don’t run hard credit checks, so you can rest assured your credit score won’t drop even by a few points.
Types of Loans by Phone with No Credit Check
There are several types of no credit check loans available by phone. Learn more about each option and choose the one that better meets your needs.
Payday Loans
A payday loan is a short-term solution people use to cover small emergencies of up to $1,000. These online loans need to be repaid in full within 2 to 4 weeks. Although they are very accessible, even with bad credit, their cost can be over 400% in terms of APR. Thus, they should only be used as a short-term solution.
Installment Loans
An installment loan is a longer-term option that allows you to split your total loan cost over up to 24 months. You can borrow from $500 to $5,000 and repay the funds in equal monthly installments. This makes your debt easier to handle but increases the overall loan cost in the long run.
Title Loans
A title loan is a secured loan that offers financial assistance against your car’s title. It has a short repayment period of up to 30 days but offers a lower interest rate compared to payday loans. Title loan lenders allow you to drive your car while it’s pledged, but you risk losing your vehicle if you don’t repay the loan on time.
Lines of Credit
A line of credit allows you to access the funds when needed within a set credit limit. You only pay interest on the amount you actually use. Some lenders offer 0% APR revolving credit lines, allowing you to use the money within a draw period, repay it within a billing cycle, and then access the funds again without any interest applied.
Can I Apply for Loans by Phone with Bad Credit?
Sure, you’re welcome, provided that you deal with a financial institution offering mobile loans for poor credit. 1F Cash Advance is proud to be one of them. While traditional lenders consider your credit report details critical, our online loan providers are much more lenient toward your past financial mistakes. Borrowers with poor or bad credit can qualify for loans by phone if they have a steady income and satisfactory payment history.
FAQ
Why Apply for a Personal Loan over the Phone?
Getting a personal loan over the phone can be a great option if you have a busy working schedule, face an emergency that needs to be fixed quickly, or have no Internet access to complete an online application. It's also available for borrowers with credit issues.
What Loans Does 1F Cash Advance Offer Over the Phone?
At 1F Cash Advance, you can request payday loans, installment loans, and bad credit personal loans by phone. You're welcome to apply online via the website or by using our convenient cash advance app.
Can I Get Payday Loans by Phone in 1 Hour with No Credit Check?
When you apply for payday loans by phone, you will get a response from a lender after it conducts a soft credit check, usually within as little as 1 hour. Such a check doesn't affect your credit history but is still required to determine how likely you are to repay the money.
How Fast Will I Get The Funds After Requesting Instant Phone Loans for Bad Credit?
Once you get a positive instant approval decision, a loan provider will make a direct deposit within 24 business hours. Some lenders may even transfer funds on the same business day, provided that you get approved before noon on a working day.