Loan By Phone is a pay day lender that allows you to apply for a loan either via phone or internet. Because all consumers are not comfortable with using the internet, they allow you to call them in order to go through an application. This company gives loans in as little as 24 hours once approved.

They also receive pretty decent customer service reviews. On a scale from 1 to 5 with the 5 being the highest, here’s how they rated among consumers:

Customer Service:  They rated a 3.5 in customer service.

Cost: They rated a 4.0 in cost.

Timing: They rated a 4.0 in timing.

Willingness to use again: They rated a 3.1 in this area.