Payday Loans: Online, No Credit Check, Instant Approval, No Faxing

Can you get a payday loan online with no credit check, instant approval, no faxing, and no phone calls? In short, no. And, if a lender is offering these terms, it’s probably a scam.

There are, however, faxless payday loan businesses with online applications that will work with you even if you have bad credit. These companies include: Allied Cash Advance, CashNetUSA, HonestLoans, LendUp, OppLoans, and Same Day Loans.

In This Article

What You Need to Know About Faxless Payday Loans

Thanks to modern technology, you can easily avoid phone calls and fax machines by applying for a payday loan online. Applying for a payday loan online is as easy as filling out a form asking for 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.

After you submit your application, 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, and here are a few reasons why:

  • Payday loans typically come with incredibly high APRs — many of the percentages are in the hundreds.
  • 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.

The List of No-Fax Payday Loan Lenders

Available loan amounts and how much interest you’ll pay depends 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 that doesn’t require a “hard” credit check, faxing in documents, or taking phone calls.

1. 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
  • Visit Allied Cash Advance online or find your nearest Allied Cash Advance

2. 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
  • Visit CashNetUSA online

3. 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
  • Visit HonestLoans online

4. 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
  • Visit LendUp online

5. 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
  • Visit OppLoans online

6. 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)
  • Visit Same Day Loans’ website

In Summary

There is nowhere you can get a payday loans online with no credit check, instant approval, no faxing, and no phone calls. However, you can get close. Try a faxless payday loan company that has an online application process. The faxless payday loan lenders we’ve listed may do a “soft” credit check, but this won’t affect your credit score. Keep in mind, the FTC warns that payday loans can be extremely costly. For some possible alternatives, see our articles on raising money online, pawning or selling items, and exploring ways to make money on the side.

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