Loans Without a Bank Account: Cash, Check and Prepaid Card Options
Many online lenders need a bank account; some stores pay in cash or by check. What lenders say, how to repay, pawn rules. Independent; not a lender.
CashAdvance Lending Research
The CashAdvance Lending Research team tracks short-term lenders in the United States: who is licensed in each state, what their loans cost, which fees and limits the law allows, and where stores are and when they are open. We work from state regulator records, statutes and lenders' own published disclosures, note when each fact was last checked, and update pages when rules or terms change.
Articles from CashAdvance Lending Research
Loans With No US Credit History: Options and Costs
No U.S. credit history is common. What it means, which loans may not check credit, how to start a record, and what to ask a lender. Independent; not a lender.
Can You Get a Loan With a Matrícula Consular or a Passport?
Sometimes. Each lender sets its own ID rules. What a matrícula consular is, what one lender says about passports, and what to ask. Independent; not a lender.
Loans for DACA Recipients: What Lenders and Rules Say
What USCIS says DACA recipients can get, what lenders say about citizenship and SSNs, and questions to ask about renewals. Independent; not a lender.
Loans for Undocumented Immigrants: What to Know Before You Borrow
Lenders set their own ID rules and scams target immigrants. How to check a license, spot advance-fee scams, and safer options. Independent; not a lender.
Loans for Immigrants and New Arrivals: What Lenders Ask For
New to the US? What lenders say they ask for, how to open an account and start a credit file, cheaper options and questions to ask. Independent; not a lender.
Loans for Gig Workers and the Self-Employed
How gig and self-employed income is shown to lenders, IRS forms 1099-K, 1099-NEC and Schedule C, cash-advance apps, and state income-cap rules. Not a lender.
Can You Get a Loan When You're Unemployed?
Some lenders may count unemployment benefits as income, but most need proof of income. State income caps, title loan risks and options. Not a lender.
"Payday Loans for Military Members: The 36% Rule"
Active-duty members and dependents get a 36% cost cap and limits on rollovers, allotments and title security. Who counts; aid societies. Not a lender.
"Loans for Seniors on Social Security: What to Know"
How lenders may treat retirement income, what the law says on age and pensions, scam warning signs, and state rules for fixed incomes. Not a lender.