We at Phone Payday Loans do not act as a lender or a broker. We are simply an online arranger working for the financial lenders to sell them their money products through our network. We will not evaluate your credit history, authenticate the information you provide or charge you a fee of any kind. We work for getting you matched with a lender or broker within our network and if you get matched with that lender or broker, they may provide you payday loan quote. We only work for marketing and administering the lenders’ service through our website.