Products and Services

How can we help you?

PH Financial Services is an alternative financial services company that offers temporary financial relief to its consumers. Our services range from payday loans to debt consolidation loans depending on your individual financial need. Services offered include:

  • Payday Loans

    A payday loan is a short-term loan that is typically paid back within the next payday. Certain states allow "rollovers" or payments on the loans instead of requiring immediate payoff.

    To qualify you must simply have a valid identification, an open and active checking or savings account and a verifiable income. Please contact the appropriate location for approval details.

  • Installment Loans

    An installment loan is a medium-term loan that allows for several payments to be made until it is paid off. Payment amounts are determined by the amount of loan, term and annual percentage rate.

    To qualify you must simply have a valid identification, an open and active checking or savings account and a verifiable income. Please contact the appropriate location for approval details.


  • Bill Pay

    Utility and phone bill pay services are now available at select PH Financial Services locations for a nominal fee. We accept bill payments from the following:

    • AmerenUE
    • AT&T (Residential and Wireless)
    • Verizon
    • T-Mobile
    • MCI
    • Sprint
    • U.S. Cellular
    • Charter Communications
    • Laclede Gas
    • Metropolitan Sewer District
    • Missouri American Water
    • Macy's
    • J.C. Penney
    • Sears
    Please contact the appropriate location for details.


  • MoneyGram Wire Transfer

    Send or receive money from over 10,000 locations worldwide. Please contact the appropriate location for details.



All services are subject to location participation. To find out what services are available in your area, find a store near you

How Do I Apply?

  • By Phone
    Many of our facilities have the ability to take credit applications by phone for the specific loan service that you are requesting. Simply find a store near you and a representative can take your application by phone. Completing a phone application can also reduce your in-store wait time.
  • Apply Online
    Use our store locator to find a store near you and click on the "apply online" link.
  • Walk-In
    Visit the location nearest you to ask for details and fill out an application.

Additional Questions or Concerns? Visit our FAQ Page

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.