Payday Loans: Online, No Credit Check, Instant Approval, & No-Fax Options

It is unlikely that you will find a payday lender offering instant approval with no credit check, faxing, or phone calls. There are, however, faxless payday loan businesses with online applications that will work with you even if you have bad credit.

Applying for a payday loan online is as easy as filling out a form with your full name, address, phone number, date of birth, Social Security number, employment information, banking information, and the amount you’d like to borrow. Some online payday lenders require photos or scans of your government-issued ID and/or paystubs. You can upload the image(s) directly to the lender’s website; no need to send a fax.

What to Know About Faxless Payday Loans

When you apply for a payday loan online, it will take at least a few minutes for the lender’s systems to analyze your information. Keep in mind, it is against the law for lenders to loan money without verifying a person’s identity, so be wary of places that claim “instant loan approval.”

Once you’re approved and you accept the terms of the loan, you are consenting to be contacted by the lender. This means the lender may call or contact you in the future regarding your loan.

Note: Before you apply, consider some possible dangers of payday loans. The Federal Trade Commission warns that payday loans can be extremely costly in the following ways:

  • Payday loans typically come with incredibly high APRs — many are higher than 100%.
  • The biggest danger of payday loans is something called “rollover.” If you cannot afford to quickly pay back the loan, payday lenders will “roll over” the amount, meaning they will collect interest and any other charges while extending two more weeks for the loan to be paid — plus more charges. This can become a never-ending cycle of payments and fees.

For these reasons, payday loans should be seen as a last resort, and you should try to repay them as quickly as possible,

The List of No-Fax Payday Loan Lenders

Available loan amounts and interest rates depend on the lender you choose, as well as the laws in your state. Individual states have their own rules regarding payday loans; lenders will have options for you based on where you live. With that in mind, we have the list of places where you can quickly get a payday loan without a “hard” credit check, faxing in documents, or taking phone calls. We’ve ordered the list below starting with the best overall options.

OppLoans

  • Loan amount: Depends on your state and credit
  • Fees: No prepayment or hidden fees; late fees may apply
  • When will you get your cash? The next business day
  • Requirements: Must be at least 18, have a valid checking account, and have a valid source of income
  • Find out more or apply online (paid partner link)

HonestLoans

Note: HonestLoans is not a direct lender; lenders may require a “hard” credit check

  • Loan amount: $400 to $2,500, depending on your lender and state
  • Fees: Vary by state and lender
  • When will you get your cash? The next business day
  • Requirements: Must be at least 18, employed, receive a regular income of at least $800 a month, have a checking account, and be a U.S. citizen
  • Find out more or apply online (paid partner link)

LendUp

  • Loan amount: Depends on your state and net income
  • Fees: Vary by state; late fees and transaction fees may apply
  • When will you get your cash? The next business day
  • Requirements: Must be at least 18, a U.S. citizen, and have proof of income
  • Find out more or apply online

CashNetUSA

  • Loan amount: Depends on your state and net income
  • Fees: Vary by state; late fees and transaction fees may apply
  • When will you get your cash? The next business day
  • Requirements: Must be at least 18, have a verifiable and steady income, have an active checking account, and be a U.S. citizen
  • Find out more or apply online

Allied Cash Advance

  • Loan amount: Depends on your state and net income
  • Fees: Vary by state; late fees and transaction fees may apply
  • When will you get your cash? If applying online, the next business day; if applying in-store, the same day
  • Requirements: Must have proof of income, a checking account, and a valid ID
  • Find out more or apply online, or find an Allied Cash Advance

Same Day Loans

  • Loan amount: $50 to $1,000, depending on your state and net income
  • Fees: Vary by state and lender; late fees and transaction fees may apply
  • When will you get your cash? Within two business days
  • Requirements: Must be at least 18, a U.S. citizen, and have proof of regular income (around $1,000 a month minimum)
  • Find out more or apply online

More Information

For some possible alternatives to payday loans, see our articles on raising money online, pawning or selling items, and exploring ways to make money on the side.

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