PH Financial Services is an alternative financial services company that offers temporary financial relief to its consumers. Services offered include: Payday Loans: a payday loan is a short-term loan that is typically paid back within the next payday. To qualify you must have a valid id, an open and active checking or savings account and a verifiable income. Installment Loans: an installment loan is a medium-term loan that allows for several payments to be made until it is paid off. To qualify, you must simply have a valid id, an open and active checking or savings account and a verifiable income. Bill Pay: Utility and phone bill pay services are now available at select PH Financial Services locations for a nominal fee. MoneyGram Wire Transfer: Send or receive money from over 10,000 locations worldwide. All services are subject to location participation. To find out what services are available in your area, visit our website to find a store near you.