LoanByPhone Reviews USA 2023

LoanByPhone

When you are in urgent need of money, should you turn to LoanByPhone? Are their interest rates fair or exorbitant? Is LoanByPhone easy to use or unnecessarily complicated? Is it easy to get a loan or do you need to go through an irritating bureaucratic process? Does LoanByPhone take advantage of you when you are poor? Are LoanByPhone?s fees manageable, or will you need a new loan to pay your LoanByPhone loan? Is LoanByPhone a subprime lender? What happens if you want to renew a loan? How does making use of LoanByPhone?s services affect your credit score? Read reviews to learn the answers to these questions!

About LoanByPhone

LoanByPhone is a subsidiary of Check Into Cash, another payday lender. In fact, Check Into Cash is one of the nation?s largest payday lenders and was founded by W. Allen Jones, who also played a big role in setting up the Community Financial Services Association of America.

Payday lenders have a shaky reputation, often being accused of predatory lending. They have also been accused of specifically targeting vulnerable groups in societyby placing stores in underprivileged minority neighborhoods. In doing so, predatory lenders specifically target poor African Americans and Latinos, setting them up with insurmountable debt and excessive fees. It is important for customers to know whether LoanByPhone is such a predatory lender. Submit your reviews so that customers know whether they can trust LoanByPhone.

Service

LoanByPhone offers payday loans and installment loans. Neither are intended for long-term lending or to fund a house or car. Instead, a payday loan is a short-term loan and an installment loan is a medium-term loan. Furthermore, you can get a line of credit, where you are free to borrow as much as you want within your credit limit. Using a credit limit comes with an interest rate of 299%.

Customers should be aware that borrowing money costs you money. In August 2017, a loan in Oregon of $100 comes with an annual percentage rate (APR) north of 150%. But that is nothing compared to the interest rate in California: 460%! Meanwhile, people who call Wisconsin, Nevada or Utah their home state face an APR of 651%. Are these interest rates fair? Are they manageable? How do they compare to other short-term lenders? Let us know in your reviews!

To get a payday loan, you need to be at least 21. By filling out an application on your phone, you will get your cash to your account once LoanByPhone has confirmed your information.

Experiences, comments and complaints

If you wish to connect with LoanByPhone?s customer service, you can call 877-577-7977 or send a fax to 877-577-7978. The help desk is available from 8am to 10pm EST on business days and from 10am to 5pm EST on Saturdays. Reaching out to customer support via e-mail is also an option, using this e-mail address: [email protected].

What are your experiences with LoanByPhone? Share your story and write a review!

Are payday lenders deserving of their notorious reputation? Can you trust LoanByPhone? Read real customer reviews, experiences, comments & complaints!

Reviews, complaints & experiences Write a review

Read independent reviews, consumer experiences, feedback and complaints right here! Get to know the best shop place your (online) order. Everybody together now decides which shops are worthy and which aren't!

Spotlight: What are our customers saying?

nancy young 8 weeks ago

I Nancy Young will strongly recommend you contact XAPCREDITSOLUTION at GMAIL dot com to fix your credit immediately. XAP did increase my score from a low 490 to 780 average FICO score and he didn’t...Read on

Bill Ratliff jr 4 months ago

Email "XAPCREDITSOLUTION at GMAIL dot COM" and get your credit fixed. I have 2 paid off condos. I had health issues and got back on my bills. I need to pay off all my debts and want to us...Read on

Bill Ratliff jr 4 months ago

Email "XAPCREDITSOLUTION at GMAIL dot COM" and get your credit fixed. I have 2 paid off condos. I had health issues and got back on my bills. I need to pay off all my debts and want to us...Read on

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Credit Fix
I Nancy Young will strongly recommend you contact XAPCREDITSOLUTION at GMAIL dot com to fix your credit immediately. XAP did increase my score from a low 490 to 780 average FICO score and he didn’t stop at that, he also removed the chex system, bankruptcy, collections, cleared the huge amount of debts and criminal record I had on my report. He did this without getting me into any trouble, and I had to let him fix that of my friends which he perfectly did. I can strongly recommend their services..
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nancy young 8 weeks ago
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Excellent Repair
Email "XAPCREDITSOLUTION at GMAIL dot COM" and get your credit fixed. I have 2 paid off condos. I had health issues and got back on my bills. I need to pay off all my debts and want to use the equity in my property. Worked very hard for 18 months to make sure my score got to the high 700s, I was disappointed the last time I checked and saw that there was no improvement. One beautiful evening after I got off work I was surfing the internet trying to figure out away to bring up my score then I came across different articles/testimonials sorts of but I read one that caught my attention ravishingly speaking and recommending a particular specialist named XAP and I’ve read about him on different reputable credit sites, I copied his email and contacted him thereafter which he replied and told me he’s fully back in service. To cut the story short, he started the repair and got my score to exactly 789 and deleted negative items replacing them with awesome tradelines.
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Bill Ratliff jr 4 months ago
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Ordering
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Would buy here again
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Excellent Repair
Email "XAPCREDITSOLUTION at GMAIL dot COM" and get your credit fixed. I have 2 paid off condos. I had health issues and got back on my bills. I need to pay off all my debts and want to use the equity in my property. Worked very hard for 18 months to make sure my score got to the high 700s, I was disappointed the last time I checked and saw that there was no improvement. One beautiful evening after I got off work I was surfing the internet trying to figure out away to bring up my score then I came across different articles/testimonials sorts of but I read one that caught my attention ravishingly speaking and recommending a particular specialist named XAP and I’ve read about him on different reputable credit sites, I copied his email and contacted him thereafter which he replied and told me he’s fully back in service. To cut the story short, he started the repair and got my score to exactly 789 and deleted negative items replacing them with awesome tradelines.
B
Bill Ratliff jr 4 months ago
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LoanByPhone

Reviews, complaints & experiences

Overall

100% Would buy here again

Spotlight: What are our customers saying?

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Credit Fix

Excellent Repair

Excellent Repair

LoanByPhone