Pheabs is a loan referral platform that matches borrowers to lenders for payday, personal, and installment loans up to $35,000. They have no minimum credit score requirement and accept applicants with bad credit. The platform offers access to multiple loan products with quick funding, sometimes within 15 minutes to the next business day. However, APRs for cash advances can range from 200% to 400%, which is high. Loan terms and fees depend on the partner lender, and availability is state-dependent. Since they are a referral platform, they do not have control over the specific terms offered by the lenders in their network. Borrowers should carefully review any loan offers before accepting.