Advertiser Disclosure

The offers that appear on OpenCashAdvance.com are from companies from which OpenCashAdvance.com receives compensation. OpenCashAdvance.com does not make loan offers, but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third party lenders and lending partners and does not constitute approval for a loan.

The Benefits of Choosing OpenCashAdvance
  • We Work with All Credit Types
    Even if you have no credit history or have made a few mistakes in the past, we welcome you to fill out our form.
  • Our Lenders are Fast
    Our lenders understand how urgently you need your emergency funds. That’s why they streamline the process. You should see your results within minutes.
  • We Protect Your Datas
    Your personal information stays safe. We use 256-bit encryption, and we only work with partners who take data security seriously, too.
Since 2015, we have helped over two million consumers try to find funding. We take pride in welcoming all credit types to use our service. Try it out today and request up to $5,000 fast!
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Your Cash is Just a Call Away - Short-term Loans Over the Phone

Payday loans are a resource for meeting immediate short-term cash needs when you are faced with an emergency. They have helped millions of people throughout the country who have found themselves needing cash between paydays. With today’s technology, getting a payday loan over the phone is easier than ever.

Payday Loans Over the Phone for Immediate Short-Term Cash Needs

Emergencies can strike at any time. You never know when you may need short-term cash.

Don’t get caught by surprise without a fast and reliable solution. Twenty-four-hour payday loan lenders may provide you with a fast and reliable financing option over the phone. Whatever your short-term cash needs may be, there are lenders available around the clock to assist.

Whether you need immediate cash for auto or appliance repairs, over-the-phone payday loans may be the answer.

For any financial emergency, payday loans may provide a reliable, secure, and fast alternative to receiving funds.

apply for payday loans by phone

It can be embarrassing to discover you are short on cash while trying to pay for something. It helps to stay one step ahead of your finances. When you need money, your mobile phone might be the answer. Simply apply for a payday loan over the phone by using your mobile device.

When communicating with a cash advance representative over the phone, the operator will walk you through the application process. It should only take a few minutes to find out your answer.

If you are using your mobile phone anyway, you might as well make use of that calendar app. Go ahead and set yourself a reminder of when the loan is due. That way, you can try to avoid NSF fees by making sure the money is in your account when it needs to be.

Reaching an Interactive Voice Response (IVR) System

When trying to request a payday loan over the phone, you may reach an automated phone system instead of a human operator. This is okay. Many of the best lenders use an IVR to screen customers. All you need to do is provide accurate information. If you meet the lending requirements, you should be connected with a loan product.

Re-Applying is Easy

Reapplying for a loan over the phone can be fairly simple. If you are in good standing with the lender, they may reuse your information to consider you for a new loan.

Over the Phone Bad Credit Payday Loans

Request payday loans by phone

You may be concerned if your credit is not at its best. However, many U.S. consumers with low credit have been able to find a payday loan for bad credit.

Lenders understand that life happens and that sometimes situations are beyond your control. While traditional lenders base most of their risk assessment model on credit score, short-term loan providers may provide more wiggle room when reviewing applicants – even over the phone.

One reason that short-term lenders can afford to work with riskier consumers is that they charge higher interest rates. The extra money goes toward funding the defaults.

Two Easy Ways to Apply by Phone

As stated above, your next payday loan is just a phone call away. Some lenders who let you apply by phone are open 24 hours a day seven days a week for your convenience.

Using Your Landline

Upon calling for a payday loans over the phone, one of the representatives will assist you by asking for some basic information, which may include:

  • Contact information such as your name, address, and date of birth
  • Social Security number
  • Information about your job
  • Bank account information

The application process normally takes about five minutes providing you have all of the information needed when you call.

The representative may send a copy of the completed application to your email address. If this is your first time, you may be required to provide the lender with a copy of a voided check and an electronic signature.

If approved, the funds may be deposited in as little as one business day.

Using an Online Form Through Your Mobile Browser

If you prefer to apply for your payday loan online, you can make a loan request through our site. The request form asks for personal, financial, and employment information. The loan request form will attempt to connect you with a lender who may be willing to work with you.

If you are connected with a lender, the lender may ask you to submit a loan application. After your application has been received, processed, and if approved, you should receive an electronic payment directly into your bank account.

Both ways work great for finding out about your options. If you find it easier to speak with a representative, then there are plenty of places you can call.

24-Hour Payday Loan Over the Phone Just Got Easier

Over-the-phone payday loans can offer an easier alternative to financing. The application process is relatively simple, and borrowers are guided through the process by a loan representative.

If you are faced with cash shortage issues in the future, you can turn to short-term lenders for help. Alternative lending provides fast and easy services without sacrificing quality.

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