To apply for a loan without an e-signature, follow these steps: 1) Gather required documents such as proof of income, bank statements, and government-issued ID. 2) Contact the lender directly via phone, mail, or in-person visit to request a paper application. 3) Submit the completed application through traditional methods like mail, fax, or physical drop-off. 4) Wait for the lender to process your request and provide loan terms in a physical document. 5) Sign the agreement in person or via mail and return it. Always verify the lender’s policies to ensure compliance with state and federal regulations.

Traditional loan applications without e-signatures remain feasible for specific scenarios, particularly when lenders offer paper-based processes. The Federal Reserve’s 2020 survey found that 15% of U.S. adults lack consistent internet access, necessitating alternative submission methods. Additionally, the National Consumer Law Center (NCLC) reports that 30% of lenders, especially smaller institutions, still accept physical applications for mortgages, auto loans, and personal financing. This approach aligns with the E-Sign Act of 2000, which recognizes both electronic and paper signatures as legally binding. Data from the Consumer Financial Protection Bureau (CFPB) shows that 12% of consumers prefer paper documents for transparency, reducing risks of digital fraud. However, delays may occur due to manual processing, which can take up to 7–14 days longer than electronic submissions. Lenders often require physical applications for high-value loans or when regulatory requirements, such as those for agricultural or small-business loans under the Small Business Administration (SBA), mandate manual verification. Always confirm the lender’s timeline and ensure documents meet state-specific criteria to avoid rejection.