Payday Loans by Phone

Easy Loans available On-Call

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Applying Does NOT Affect Your Credit Score

Fast Online Instant Approvals

Fast Online
Instant Approvals

500,000 Customers


No Prepayment Fees

No Prepayment Fees

Flexible payments

Flexible payments

Loans over the Phone that feature No Credit Checks

Loan by Phone

Getting a loan over the phone was never this easy before. Today, by simply connecting with our team and sharing a few details over a phone call and the necessary documents in any mode that you prefer, we can get you a loan by phone online that's quick and reliable. We go a step ahead to make the loan transaction private and easy to qualify for – our loans over the phone come with no credit checks from any of the major bureaus. This way, you can get a loan no matter what your credit score is, and at the same time, the loan by phone online doesn't hit your current credit performance.

How can I Get a Loan without Paperwork or Faxing?

By choosing Central Payday as your lender, you shall never need to use paperwork or faxing for loans over the phone. Our loans by phone can be applied for on-call, and if you wish, you can send in the documentation required from your mobile device directly to us when asked.

Our loans by phone with no credit check offer other valuable benefits, too:

How are these different from an Online Loan?

With us, you can get installment as well as payday loans by phone or online. Online loans are the most recommended choice as, in both cases, the submission of the documents we need would have to be done online – either using a mobile device or a computer. However, the working of both options is essentially the same. We provide both options mainly to make it easier to suit the preferences of more customers.

Can I also Get an Installment Loan over the Phone?

At Central Payday, we provide both payday and short-term installment loans over the phone. Given the flexibility in terms that we offer to eligible borrowers, you can get a loan with monthly or bi-monthly payments for tenures between 3 and 24 months. Simply get in touch and our team shall work with you on a suitable option.

Are You a 24 Hour Payday Lending Service?

Yes, certain operations within our business run 24 hours. To apply during off-business hours, simply use our online system to apply for loans by phone in 1 hour. However, do keep in mind that loan approvals often need certain partnered services to function and not all partners have 24/7 operations.

When you know of a requirement for a loan, keep in mind that while we work to give you quick service, not every loan can be approved overnight or over weekends.

Apply for our Loan by Phone

Applying for a payday or an installment loan over the phone is a simple task when you choose Central Payday. We shall need these details/documents to assess your loan eligibility:

Once you connect with us, you shall be asked to share these details so you can keep them handy.

Why wait for your next payday? Central Payday gives you instant access to the funds you need. Apply for a loan by phone and get served conveniently.


Consumer Information

*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders, and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative, or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions, or concerns regarding your cash advance, please contact your lender directly.

Terms such as “guaranteed approval”, “same day loans”, “instant approval”, “bad credit ok”, “one hour deposit”, “instant deposit”, “no credit check”, “second chance loans” etc. are only indicative. Certain conditions, federal or state laws, and safety considerations may require the loan approval and/or disbursal process to deviate from what such terms may imply. All loan products are subject to various terms and conditions and parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and loan rejections. Some restrictions may apply.

CentralPayday is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through Central Payday.

Short-term loans and cash advances are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.