There are a few libraries around the U.S. that will allow online signups for ebook lending and other services without payment and without proof of address. I have managed to open two accounts, and I am not in the U.S. You do have to make up a local home or work address, however. In both cases I used the city hall address of the relevant city. They both allow borrowing of Overdrive books. Google is your friend--this has been discussed elsewhere.
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