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Often, you may need some quick cash to get out of a fix or invest in a business opportunity. Knowing how long a traditional loan process may take might leave you without any patience. Here at Nation 21, you have a solution to your problem. We can match you to great no fax payday loans. As long as you have access to a computer, or a smartphone and the internet, you can apply online around the clock. We will match you with a payday lender who will meet you at your point of need.

Applying does NOT affect

your FICO® credit score!

What are no-fax payday loans?

Simply put, they are bad credit, small-dollar and short-term loans that people can obtain without faxing documents to the lender. Before online loans became commonplace, you had to obtain your loan in-person at banks, credit unions, or cash stores. You’d have to bring all your documents such as pay stubs or tax forms to the lender’s premises. If you phoned beforehand to apply for a loan over the phone, you had to fax your documents.

We are now living in the digital era where every industry has moved online, including government services, shopping, etc. Currently, there is no need to fax your documents to the lender. What’s more, some companies approve short-term, no-fax loans without asking for additional documents in the first place. They just use data provided by credit and consumer reporting agencies.

Loans that require you to use a fax machine might be cumbersome because it’s now becoming harder to find one. Faxes are now commonly sent from one business to another, in industries such as insurance where a good paper trail is required.

If the lender should ask for documents, you’ll only have to upload them to your user portal or send them through a secured email. This gives you ultimate flexibility.

Top features of a payday loan online instant approval

  1. Faxless payday loans are short-term, unsecured cash advances of small amounts recommended only for the most urgent needs.
  2. Bad credit is no hindrance to accessing no fax payday loans.
  3. Responsible borrowing will qualify you for bigger, cheaper cash advance loans in the future even from the traditional lenders such as banks, as your credit score improves.
  4. Some lenders are open 24/7 so that you are able to access approved funds outside working hours even during the weekend.
  5. Using a reputable lender will ensure that your personal information is safe and secure.
  6. You can use the funds received as you please, although it is prudent to spend the funds on the emergency expenses at hand.

How fax-less loans work

Online application

When you fill out an online application, it means that you don’t have to go through the lengthy in-store application process. If approved, cash will typically be deposited straight into your preferred checking account on the next weekday. However, approval or rejection of your application is solely the preserve of the lender.

Processing time

Some providers can take as little as 15 minutes while others take a day or two.

Loan amounts

Payday loan amounts vary from state to state depending on their individual regulations, but they range between $100 -$1000. Furthermore, some lenders will require that you work up the tier and borrow multiple times before you become eligible to access the maximum amount.

Fees and interest rates

Payday loans tend to be very expensive, although a fixed fee will be advised from the onset of the loan. For instance, the flat-fee to borrow $100 for a loan term ranging from 8 days to 30 days is between $15 to $30. The average APR is at 400%. Additionally, late repayment and rollover charges are also applicable.

No faxing

The information you provide in the loan application is usually enough for the lender to make an informed decision without the need to fax more documents. Faxing in paperwork is the primary cause of delays; the said paperwork is needed to prove your income, financial history, and personal information.

No credit checks

Lenders do not perform any forensic credit checks on the borrower. Nevertheless, a soft check is mandatory to verify income and capacity to repay.


  • Be a U.S citizen or permanent resident.
  • Be 18 years or above.
  • Have a checking account that is ACH compliant. Some lenders will accept an applicant with a savings bank account.
  • Have a verifiable source of income.
  • Have a functioning email and telephone.

Advantages of Faxless Payday Loans

1) Multiple loan options

The internet has meant that loan companies don’t have to depend on physical store locations to offer loans. It has also reduced overhead costs and brought more lenders to the market.

Applying does NOT affect

your FICO® credit score!

With numerous no fax payday loan providers online, people get competitive pricing. However, there might be some cash advance companies operating unscrupulously. If you don’t want the risk of dealing with bad operators, get your money by using our free matching services at Nation 21. We have vetted the direct lenders in our network on your behalf.

2) Get approved with bad credit

If you are having trouble getting a loan from traditional lenders because of a poor credit score, payday lenders do not require applicants to have a perfect score. In fact, they don’t mandate hard credit checks when you apply.

3) Few requirements

To obtain fax-less payday loans, the loan companies just want to see that you can handle the one-lump sum repayment. They also want to ensure that you have an active bank account.

4) Quick funding

You may have money by the same business day if you apply with direct lenders offering same-day funding. On average, you typically receive funding in one business day.

5) Quick online application

People take about 5 to 10 minutes filling out the online form, which asks for basic details such as the applicant’s credit score type, monthly income, employer’s name & address, etc.

Disadvantages of Payday loans

Payday loans are charged a higher interest rate as compared to other traditional bank loans. If you don’t pay on time, you might have to pay Non- Sufficient Funds (NSF) and late fees.

Refinancing comes with additional costs, and if you default on your repayments, it will appear on your credit report and impact your ability to borrow in the future. Additionally, some lenders may pursue criminal charges. Therefore, review the application form before appending that signature so that you know exactly what you are paying.

Next steps to take to receive your no fax credit advance

Qualifying for a no fax payday loan is based on your income, ability to repay the loan as well as your repayment history. In the end, it’s the preserve of the lender to approve or decline a loan request. The good thing is that you don’t need a fax machine to get started.

Responsible borrowing is recommended at all times. If your current financial needs & debt obligations heavily outweigh your income, think of speaking to a credit counselor, minimizing your monthly fixed obligations, or exploring ways to boost your income.

Apply now by filling out the short form on this page, or select “Apply Now” from the main menu.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?