Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

No-fax payday loans

Get quick access to funds without faxing documents.

Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms
Go to site

A payday loan can give you quick and easy access to the money you need, but steps in lender processes can delay your receiving the funds. One common cause for delays is faxing paperwork to prove your income, financial history and personal information. But there are payday loans available that don’t require you to fax anything at all.

Compare no-fax payday loan providers

Name Product Filter Values Loan amount Loan Term Turnaround time
OppLoans Installment Loans
$500 - $5,000
9 to 24 months
1 business day
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 - $25,000
2 to 3 business days
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 - $35,000
6 months to 6 years
As soon as the next business day
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 - $2,500
Same business day to 1 business day
Get offers from potential lenders in minutes by filling out just one online form.

Compare up to 4 providers

How does a no-fax payday loan work?

Several payday lenders offer no-fax payday loans that you can apply for online. Applying online means you don’t have to go through a lengthy application process, as you only need to provide details of your employment, finances and identification.

If you apply during business hours, you can find out the status of your application in as little as an hour, sometimes sooner. And if approved, typically the lender will transfer the money to your bank account within one business day.

What other features come with these types of loans?

Since there are a number of payday lenders who offer no-fax loans, keep the following in mind when comparing your options:

  • Loan processing time. Some providers give approved borrowers access to funds in as little as 15 minutes, while you might have to wait one to two business days with others. Find out when you will receive your loan and if you’re able to get it when you need it.
  • Maximum loan amount. Each state has their own regulations setting the maximum payday loan amount you can borrow. As well, some lenders require that you work up tiers and borrow multiple times before you can get to the maximum allowable amount. This might be a drawback if you require more money than a lender offers with its initial loan amount.
  • Fees. Payday loan fees tend to be quite high, and you will be charged a fixed fee for the amount you borrow. If you repay the loan late or rollover your loan, you will be charged additional fees.
  • Online application. You won’t need to fax any documentation with these loans, so the online application is quick and easy. You’ll generally be able to complete it in about 10 minutes.

Prepaid debit card payday loans

Pros and cons to consider


  • No faxing of documents. Providers of these loans use online services to verify your identity using information that you provide. That means you don’t have to worry about sending any documents via fax.
  • Multiple options. There are numerous online payday loan providers that offer these loans. If you’re not sure about how to choose the best lender, you can consider applying for a payday loan matching service.
  • Apply with bad credit. If you’re having trouble getting a loan because you have bad credit, a payday loan might be an option. Payday lenders don’t require applicants to have perfect credit histories; they simply require that applicants demonstrate an ability to repay the loan.


  • High interest and fees. Payday loans charge noticeably higher interest than traditional bank loans, which is primarily because these loans are higher risk for the lender. APRs on payday loans can reach as high as 650% and more.

Is there anything to avoid with a no-fax payday loan?

Taking on any form of dedt when you have a feeling you may face problems in repaying the money you borrow is something to avoid, and this applies to payday loans as well.

If you don’t repay your loan on time, you might have to pay NSF fees and late fees, and refinancing the loan comes with additional costs. If you don’t repay the loan, that will appear on your credit report, which will impact your ability to borrow money in the future.

Make sure you go through the loan’s offering documents. Carefully review your loan’s terms and conditions so you know exactly what you will be paying.

Frequently asked questions about no-fax payday loans

Are payday loans available in my state?

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site