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No-fax payday loans

Get quick access to funds without faxing documents.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

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  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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A payday loan can give you quick and easy access to the money you need, but steps in lender processes can cause delays — especially antiquated steps like having to fax paperwork. But there are payday loans available that don’t require you to fax anything at all.

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
$500 to $10,000
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Up to $250
Same business day to 2 business days
Have an active checking account
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.

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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?

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