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Payday loans with no paperwork or phone calls

Take advantage of the convenience that comes with applying for a payday loan online.

Payday loans are expensive forms of credit and shouldn’t be used to fix long-term financial issues. People should avoid payday loans if it will put their budget under strain, as late fees for payday loans can build up quickly and result in debt.

Some payday loans require you to submit a simple online application. If the lender approves it, you can receive the money in your bank account or via a check as soon as the next business day. However, payday loans are considered to be a risky way to borrow, and this type of loan should only be given thought to as a last resort in the event you need to meet emergency expenses.

You can apply for payday loans with no paperwork or phone calls even if you have a poor credit history, but remember you will still have to meet the eligibility criteria set by the lender and the laws of your province. This would mean submitting your relevant documents online, without faxing or physically sending paperwork to the lender.

Compare Loans

Name Product Minimum Loan Amount Maximum Loan Amount Term of Loan Turnaround time
Wonga Short Term Loan
Wonga Short Term Loan
4 days to 3 months for new customers, up to 6 months for existing customers
As soon as possible after an application has been approved
Apply for a first time loan up to R4,000 and have the ability to pay off your loan sooner to save on charges
Lime Quick Loan
Lime Quick Loan
5 to 37 days
By 7 pm on the same day
Borrow from Lime and you can take advantage of its loyalty program, which may cut the cost of future borrowing. Loan approval can take as little as five minutes.
FASTA Instant Credit
FASTA Instant Credit
1 to 3 instalments
Get approval in minutes
Get up to R8,000 in cash, in-store credit or online vouchers with a loan from FASTA. Pay back your loan amount in up to three instalments.
MPOWA Finance Loans
MPOWA Finance Loans
5 weeks
By 5pm on the same day
Apply for a loan of up to R5,000 with MPOWA. This lender offers a very fast online approval process; you could receive funds in your account in just two hours.
Creditgenie Loan Assist
Creditgenie Loan Assist
Varies per lender
Varies per lender
Access to a financial wellness programme and round-the-clock customer support are among the benefits of choosing a personal loan with Creditgenie.
UApply Loans
UApply Loans
Varies per lender
Within 24 hours
Apply for a payday loan in a matter of minutes with UApply. The process can be completed online with no paperwork needed. Choose a loan amount ranging from R500 to R20,000.

Compare up to 4 providers

Borrower Warning
Are payday loans right for you? Payday loans often come with high interest rates so always have a plan in place on how you will pay them back.

How do payday loans with no paperwork or phone calls work?

Applying for payday loans with no paperwork or phone calls requires you to choose a lender and submit your application. This process should take no more than a few minutes if you have all the required information close at hand. Most providers inform you of the application’s status shortly after.

If you’re looking for a same day payday loan with no paperwork or phone calls, know that you have limited options. Not all lenders accept online applications and allow you to collect approved funds in-store. Typically, payday loans with no paperwork or phone calls give you access to money the following business day when the money is transferred into your bank account.

Alternatives to payday loans

Consider these alternatives before applying for a payday loan:

  • Payment plans. Talk to your electricity, phone or water provider to see if you can work out a payment plan. You mightr receive an extension on your due date if you’re behind on payments.
  • Contact your creditors. Speak with creditors directly about extending the due date of your payment, or working out a new payment plan that works for both of you. Seek personal loans elsewhere. You may qualify for a loan with much lower interest rates than those offered by payday loan companies.
  • Pay with credit card. Consider paying with your credit card to cover your emergency bills or payments. This is not a long term solution, as you’ll need to pay off the balance as soon as possible, but it’s an alternative to a short term loan with high – and immediate – interest rates.

What features may be offered when I apply for a payday loan with no paperwork or phone calls?

Go through online comparison sites and read reviews to find a payday loan that works for you, then compare your results with these features to choose your best option:

  • A simple online process. A reputable payday loan provider provides a user-friendly application that should take only about 5 to 10 minutes. Many lenders also accept digital signatures on their loan contracts, further simplifying the process. Once approved, your funds will be available as soon as the next business day.
  • State-specified fees. State laws and the amount you borrow affect the fees you end up paying, and lenders can also charge loan fees differently. Choose a lender who has fees you can manage to pay back.
  • Lenders who accept bad credit. While receiving a conventional loan with bad credit isn’t easy, many payday loan lenders have relaxed criteria when compared to traditional loans given by banks and credit unions.

Benefits and drawbacks of getting a payday loan with no paperwork or a phone call

What are the benefits?

  • Apply from anywhere. You can apply for these loans online from just about anywhere if you have an Internet connection.
  • Quick access to money. Depending on the lender you apply with and the time you apply, you could see the approved loan amount in your account as soon as the next business day.
  • Use the funds for any purpose. Providers of online payday loans can give you the freedom to do what you want with the approved funds as long as it’s legitimate.

What are the drawbacks?

  • High fees. Fees charged by online payday loan providers are high, especially when compared to standard loans. It’s best to only use these for short-term financial solutions or when there are no other options available to you. Always read the terms and conditions with care before you apply, and be absolutely sure that you will be able to make all of the repayments on-time.
  • Disreputable lenders. While many loan providers follow the laws, there are some online lenders who are predatory. Before you take out a loan, be sure to confirm that the lender you’re dealing with is practising legally in your state.

What you should try to avoid

  • Avoid a loan you can’t repay. If you think you’ll have trouble repaying your loan, don’t take it out. Late or missed payments will lead to extra charges, costing you more money.
  • Avoid skimming your loan offer document. Before you accept the loan, take time to go through its terms and conditions carefully. This should give you a clear picture of the fees and charges you might have to pay under various circumstances.
  • Avoid bad terms. If you have a loan offer that is extremely costly and full of fees, you’re under no obligation to accept the terms. There are lender-matching services that can help you find a better loan.

    Frequently asked questions

    How much can I borrow through online payday loans?

    The laws and the lender’s policies may determine how much you can borrow through a cash advance.

    What eligibility criteria do I have to meet in order to apply for a payday loan with no paperwork or phone calls?

    In majority of cases the minimum age for borrowers is 18. You should be a permanent resident or citizen of South Africa, have a regular source of income and have a valid bank account.

    Why do I have to provide my bank account details?

    When you apply for a payday loan online, your lender will transfer the approved funds into this account. On the due date, the lender will then request the funds automatically from the same account.

    Will the lender call my employer?

    Yes, your lender may call your employer for a formal employment verification.

    Can I pay the loan off ahead of time?

    Yes, you can, and in certain instances, you can even be eligible for a refund of partial or complete loan fees. Some lenders will charge you prepayment fees, so keep this in mind when you’re signing a contract and looking to pay early.

    Are there any hidden costs I should be aware of?

    This varies from lender to lender. It’s important to read your loan contract to find out what fees and charges there are.

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