Faxless Payday Loans Online for Bad Credit

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Applying Does NOT Affect Your Credit Score

Faxless Payday Loans from Direct Lenders

When you need quick funding solutions in order to address an emergency or get through the month with ease without having to wait for payday, you may wonder whom to approach. In such a scenario approaching a traditional lender for help isn't the best idea since their traditional lending procedures are time-consuming. Going to a lender who needs you to fax your documents to him/her is also not the best solution since that indeed is a time-consuming process. However, you can always rely on an online direct lender like us for help since we offer faxless payday loans to pour borrowers.

Can I get a Faxless Payday Loan for Bad Credit?


Conducting a credit check in order to approve loan requests is also a time taking procedure which is something that we like to avoid. However, if you choose to go to a traditional lender, not only may they need you to send your documents to them over fax, but they may also conduct hard credit checks which apart from being time consuming can lead to a reduction in your existing credit rating. Plus, if you have a bad credit score the chance of getting funded by them is very little.

We do not conduct credit checks since they are time-consuming which allows bad credit holders also to get funded by us. Now you don't have to worry about us causing a reduction in your credit rating, nor do you have to worry about not getting funded in the case of bad credit.

How Much Time Do Faxless Payday Loans Take to Get Approved?

In order to get a faxless payday loan from us, the amount of time that you have to wait for shall not exceed 24 hours. When you choose to apply with us, all you have to do is fill out a very basic form and send across very basic documents which we shall mention below. Once we receive your documents we shall approve your request for a loan almost immediately after which funds shall be transferred instantly. Depending upon the policies of your bank, you shall receive your loan within 24 hours.

The Easy Eligibility Terms for Faxless Payday Loans

In order to get a faxless payday loan from a direct lender like us, you shall have to be/ have:

  • 1. A permanent residence of citizenship of the USA
  • 2. An active bank account and 3 months' statement
  • 3. Pay stubs or salary slips of 3 months showing a stable monthly income of $1,000 or above
  • 4. Valid contact details
  • 5. Proof of age (18+) and identity
Apply Now to get a faxless payday loan from a direct lender online.
How Much Can I Get with No Fax Payday Loans from Direct Lenders?

That depends from lender to lender. While majority lenders offer a few hundred dollars to their borrowers, we at 12MonthsBadCreditLoans offer up to $1000. If you're a first time borrower, you shall be able to receive up to $500 and if you're a repeat customer, up to $1000 is what you shall be able to receive. However, you must have a monthly income of at least a $1000 in order to qualify for our loans.

Are Online Faxless Payday Loans Unsecured?

In order to get a 3 month online payday loan from a direct lender like us, you will have to:

Indeed, they are. At 12MonthsBadCreditLoans, you can get unsecured faxless payday loans since we do not expect our borrowers to have to provide security of any sort in order to fund them. Also, processing collateral is time consuming which defeats our purpose of providing funds ASAP.

Consumer Notice

The available loan product types and loan amount limits may vary with the market. All loans are subject to state regulations, eligibility terms, certifications, underwriting and approval. Rates, fees, terms and conditions apply. The loan decisions, disbursal and credit times are subject to system limitation. In some cases, verification may require additional processes, which can delay the loan decision.

We offer short-term loans. Short-term loans are intended towards assisting borrowers with short-term financial needs and they are not intended to serve as long-term financial solutions. Customers with credit related issues and hardships are advised to seek credit counseling.

The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.

Terms such as, “same day approval”, “same day deposit”, “instant approval”, “guaranteed approval”, “bad credit ok”, “one-hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and/or loan rejections. Some restrictions may apply.

Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.