Pheabs installment loan connection service review

Residents of 13 states can find a lender and get funded as soon as the next business day.

Bottom line: Pheabs may be a good choice if you’re looking for a fast way to find a lender. But there are a few issues that other connection services don’t have.

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Min. Amount


Max. Amount

As soon as next business day

Turnaround time


Product NamePheabs installment loan connection service
Min. Amount$100
Max. Amount$35,000
Loan Term1 month to 5 years
Turnaround TimeAs soon as next business day
RequirementsFair credit accepted


  • Payday loans and installment loans available
  • Fair credit OK
  • Low monthly income requirement of $800


  • May receive a high volume of marketing emails and calls
  • Service only offered in 13 states
  • No direct customer service number

Review by

Kellye Guinan was a financer writer for Finder, covering everything from loans from auto to personal to business finance.

Expert review

Pheabs is a new connection service that offers a quick online form and access to lenders that offer up to $35,000. But you may run into problems connecting with customer service. So while it offers some convenience, you may want to consider another lender or connection service if you want a more customer-oriented experience.

Pheabs rates, fees and terms

Because Pheabs is a connection service, it doesn't list the rates or fees the lenders in its network charge. You may be able to use it to find a lender that offers up to $35,000 — although when filling out its online form, we received an error when trying to request a loan of more than $1,000.

Loan terms also vary by lender, and Pheabs isn't quite clear what this will look like on its website — which lists terms starting at three or 12 months. When we reached out, a representative clarified that terms range from one to 60 months.

What is Pheabs and is it legit?

Yes, Pheabs is a legit connection service. It has a secure website with a clear privacy policy and terms of service.

But as upfront as these documents are, they do have a few red flags you should be aware of. Pheabs doesn't give you a way to contact it to stop sharing your personal information, and it explicitly states that you must use an arbitration service if you run into problems with its service. In addition, its privacy policy states that you waive your right to file a claim with the FTC or other federal or state agency if you are unhappy with the number of marketing calls or emails you receive.

When we called its number, we received an automated service that asked us to enter a few basic details before abruptly hanging up. This gives you limited ways to contact Pheabs if something goes wrong, so keep that in mind if you decide to use it to find a lender.

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Pheabs reviews and complaints

BBB accredited No
BBB rating NR
Customer reviews verified as of 21 January 2021

Like many connection services, Pheabs doesn't have a page with Trustpilot or the Better Business Bureau. This isn't uncommon, but it does make it more difficult to know the quality of the lenders in its network. If you're unsure, browse reviews of the lenders you're connected with to confirm that they meet your expectations.

Am I eligible?

While every lender will have its own requirements, to submit an application through Pheabs, you will need to meet the following criteria.

  • Active checking account
  • Minimum monthly income of $800
  • At least 18 years old
  • US citizen

What states is Pheabs available in?

Pheabs is currently only available in 13 states:

  • Alabama
  • California
  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Iowa
  • Alabama
  • California
  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Iowa

What information do I need to submit?

Connection services like Pheabs require you to submit a wide range of personal information to be connected with a lender, including:

  • Date of birth
  • Full address and contact information
  • Employment status
  • Monthly income
  • Bank routing number
  • Bank account number
  • Driver's license number
  • Social Security number

How do I get started?

Pheabs has a short online form that allows you to submit your information in just a few minutes. You can access it by selecting the Get my rates button on this page or by visiting its website. Choose your desired loan amount and loan term, then select Get started.

In our experience, it took less than 15 minutes to complete — but it took quite a while for Pheabs to process the information we submitted and show a result.

What are my repayment options?

Since Pheabs isn't a direct lender, you won't repay your loan through it. Instead, review your loan contract and reach out to the lender you've been connected with to confirm payment due dates and repayment options. It states that most lenders should collect payments from your bank account automatically. But for loans with shorter terms, the exact due date and payment schedule will depend on your lender.

If working with Pheabs isn't up your alley, consider contacting a direct lender or another connection service instead.

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