No Faxing Payday Loans

Updated April 15, 2019

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Many online payday loan lenders today offer a no faxing payday loan application process. Generally, this means that consumers do not have to fax in any documents to apply and qualify for payday loans. Even so, it’s important to understand how lenders that offer a no faxing payday loan application process can determine if a consumer qualifies for a loan. This will keep you aware of information lenders may acquire about you even if you do not submit any verification documents to a lender directly.

What Do Payday Lenders Look At to Determine If An Applicant Qualifies for A Loan?

Many online payday loan lenders today offer a no faxing payday loan application process. Generally, this means that consumers do not have to fax in any documents to apply and qualify for payday loans. Even so, it’s important to understand how lenders that offer a no faxing payday loan application process can determine if a consumer qualifies for a loan. This will keep you aware of information lenders may acquire about you even if you do not submit any verification documents to a lender directly.

What Do Payday Lenders Look At to Determine If An Applicant Qualifies for A Loan?

The five key areas that payday direct lenders will typically look at to determine if a consumer qualifies for a payday loan include proof of identification, state residency, employment, and existence of a checking account, sometimes with direct deposit, under the consumer’s name. Typically, in-store payday lenders are able to verify this information by looking at a consumer’s government issued state ID/license, a bank statement, and a pay stub. For some online lenders, consumers are required to scan or fax copies of these documents.

How Do No Faxing Payday Lenders Verify Applicant’s Information?

Faxless payday loan lenders use a number of other methods to verify your information. Some, rather than have you fax any documents, will require you to put a request with your bank to provide a bank statement to the lender. Some will call your employer to determine if you are indeed employed by the employer you listed on your application. Some payday lenders use independent verification services like Accurint, CL Verify, or Corelogic/Teletrack. These services may provide identity verification, bank account validation, employment history, and information on your open and paid payday loan performance history, open and paid charge-offs, bankruptcy filings, and more. With these verification services, online payday direct lenders are able to bypass the entire faxing of documents by consumers completely.

Chart Showing How No Faxing Payday Works

Can No Faxing Payday Lenders Still Ask For Verification Documents?

A careful look at the fine prints of online payday lenders will show that depending on state laws and qualification criteria, lenders may still require consumers to provide verification documents. Always ensure that the information you put down on an application is accurate to avoid as much as possible the hassle of providing verification documents.

In addition to our payday loan application which is a faxless system, some of our most popular direct payday lenders also offer no faxing payday loans including CashNetUSA, Ace Cash Advance, and Check City. Also learn more about payday lender secrets to understand if a payday loan is right for you.

Payday Loan Lenders

The Payday Hound reviews installment lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. To see lenders who provide installment loans in your state select your state from the table above.

Company Name Description Costs* Sniff Rating
Check Into Cash
Direct lender online or at stores.
Founding member of CFSA. Live chat.
Governing Law: State Lic.
Loan Amt: $300
APR: 510%
Cost: $57
Great
Cash Central
Discounts for repeat customers. Live chat.
B BBB rating. All credit types but does check credit.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
CashNetUSA
Get 50% initial loan fees. Code: NEWCASH50
Large online lender. Live chat
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Ace Cash Express
Large established lender. A+ BBB Score.
Multiple loan options. Physical store fronts.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Check City
A+ BBB Score and accredited. $30 referral credit.
One of the few payday lenders who are BBB accredited.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Loan By Phone
Online site powered by Check Into Cash
Member of CFSA, Live chat.
Governing Law: State Lic.
Loan Amt: $300
APR: 510%
Cost: $57
Great
Cash 1
Nevada Licensed storefront and online lender.
Payday loans for NV only. Same day cash pick up at stores.
Governing Law: State Lic.
Loan Amt: $300
APR: 469%
Cost: $54
Great
Check 'n Go
Solid state licensed lender.
F BBB score for no response to compliants.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Quik Check
State licensed lender. Pricing shown based on Utah.
Competitive pricing. They have store fronts.
Governing Law: State Lic.
Loan Amt: $300
APR: 548%
Cost: $63
Great
Cash Store
State Lic lender. Storefront lender only.
Must go to store to complete application.
Governing Law: State Lic.
Loan Amt: $300
APR: 585%
Cost: $67
Great
Speedy Cash
State licensed lender. Pricing shown is based on SD.
Pricing appear competitive. They have store fronts
Governing Law: State Lic.
Loan Amt: $300
APR: 652%
Cost: $75
Great
Payday Loan Today
Neveda licensed national lender.
Informative website. Flexible payment terms.
Governing Law: Nevada
Loan Amt: $300
APR: 510%
Cost: $58.74
Fair
MyCashNow
Stopped Accepting New Applications
F BBB Rating, Based in Canada.
Governing Law: Canada
Loan Amt: $300
APR: 485%
Cost: $56
Fair
Discount Advances
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
Loan Amt: $300
APR: 456%
Cost: $53
Fair
PayDay Max
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
Loan Amt: $300
APR: 485%
Cost: $56
Fair
AAA Payday Cash
Makes loans based on UT laws.
Use to have A rating by BBB but now unlisted
Governing Law: UT
Loan Amt: $300
APR: 651%
Cost: $75
Fair
Integrity Advance
Offers loans in multiple states.
F BBB rating, phone contact available.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Cash Advance Now
Tribal lender. Upfront disclosures and pricing.
Appear to have purchased name and domain in Sept 2012.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
MyPayDayLoan
Revamped website. Up to $600 1st time.
Been in business over 10 years.
Governing Law: Costa Rica
Loan Amt: $300
APR: 782%
Cost: $75
Bad
USAdvance
Not a state licensed lender.
Bsed in Federation of Saint Kitts and Nevis
Governing Law: St Kitts and Nevis
Loan Amt: $300
APR: 782%
Cost: $90
Bad
AmeriCash Advance
No longer taking applications.
Taken over by Platinum Finance Co.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Jupiter Funding Group
Very limited information on website.
No BBB Rating. No privacy policy.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Bad
East Side Lenders
Offer loans in all states.
C- BBB rating. Dispute settled through arbitration.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $490
Fair
NationalPayday
One of the simplest applications.
No BBB Rating, Based in Costa Rica.
Governing Law: Costa Rica
Loan Amt: $300
APR: 651%
Cost: $75
Bad
Payday Avenue
Appear to be Canada based.
No renewals allowed.
Governing Law: unlisted
Loan Amt: $300
APR: 938%
Cost: $108
Fair
Payadvance
No longer accepting new applications
Costa Rica based lender.
Governing Law: Costa Rica
Loan Amt: $300
APR: 460%
Cost: $53
Bad
Tremont Lending
Appears to be basic tribal based lender.
Site updated with pricing. States not listed.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Cash in a Wink
Settled in 2012 with California for excessive fees.
Bare website. Appear to be Delaware based.
Governing Law: Delaware
Loan Amt: $300
APR: 608%
Cost: $75
Bad
BorrowSource.com
Very limited information on website.
Appears to be unlicensed lender. Maybe offshore based.
Governing Law: unlisted
Loan Amt: ?
APR: ?
Cost: ?
Bad
Sonic Cash
Eligible states not listed.
Very little information available
Governing Law: unlisted
Loan Amt: $300
APR: 912%
Cost: $105
Fair
Castle Payday
Site has unclear pricing and limited info.
Does not appear to offer loans in all states.
Governing Law: Tribe
Loan Amt: $1000
APR: 913%
Cost: 350
Bad
AmeriLoan
Charged by FTC: inflating fees and illegal actions.
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
United Cash Loans
Charged by FTC: inflating fees and illegal actions
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
OneClickCash
F BBB Rating and strong warning.
The Payday Hound suggests avoiding this one.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
Wells Fargo
NO LONGER OFFERED. Phased out May 24th, 2014.
Advance limit is lower of $500 or 50% of direct deposit amount.
Governing Law: State Lic.
Loan Amt: $300
APR: 195%
Cost: $23
Great
500FastCash
Charged by FTC: inflating fees and illegal actions
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad

* Costs vary by state. Cost shown are based on pricing for Delaware residents when available. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.