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If you do an online search for any payday loan related terms you’ll get bombarded with dozens of companies that claim to offer direct payday loans. However, most of these companies are not legitimate direct payday loan lenders. These companies simply operate a payday loan matching service. These marketing sites claim they will match your information with prospective direct lenders. In all likelihood they will sell your information to other companies that may not even be direct lenders! You’re left with your time wasted and usually you’re no closer to your goal of finding a direct payday loan lender.
There are many direct payday loan lenders who are ready and willing to give loans to qualified consumers in need of a short term loan. At direct-payday we will help you find the best direct lender for your financial needs. Our goal is to list all the direct lenders that offer short term payday loans & installment loans in the United States. We intend to make this the most comprehensive list available of direct payday lenders.
Use our list of direct payday lenders to your advantage!
Sometimes you may need to apply with more than one lender if you have poor credit or if you don’t meet the qualifications of some direct payday lenders. Remember, direct payday loans should only be used for short term cash emergencies. You don’t want to get stuck in a payday loan cycle that you can’t dig yourself out of. Payday loan laws and regulations are constantly changing. As the laws change and lenders are added or removed we will continue to update this list as often as possible. If you notice any errors or know of lenders not listed below then feel free to email us at email@example.com.
Database of Direct Payday Lenders & Direct Installment Lenders – Updated 3-4-2014
One of the largest direct payday lenders in the country and they never perform a credit check. They just added a new online application process where you’re now twice as likely to be approved for a payday loan. They also claim you’ll get an instant approval response within minutes of completing your online application. At this time MyPaydayLoan is not offering loans to consumers who live in: California, Florida, Georgia, Illinois, Michigan, New York, North Carolina, and Pennsylvania.
Ace Cash Express
Longtime online direct payday lender offering same day cash in hand with over 1600 retail locations nationwide. They have low rates and have been in business since 1968! At this time Ace is only issuing payday loans to consumers who live in: Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, Ohio, and Texas.
Large company offering direct payday loans and installment loans in 47 states. Claim to have an online approval process that takes less than 5 minutes to complete. You must have a checking account and a monthly income of at least $800 a month to be approved for a loan. Member of the Online Lending Alliance.
One of the largest direct payday lenders that’s also offering installment loans as of a few months ago. They have a 24/7 online application process that will let you know instantly if you’re approved or not. At this time Cash Central is only issuing loans to consumers who live in: Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Mississippi, Nevada, North Dakota, Rhode Island, South Dakota, Texas, Utah, Washington, and Wisconsin.
Rise is a new direct personal loan lender. They let you pay off your loan over 12-36 months instead of in just a few weeks. They’ll let you choose your own loan term and the interest rate on your loan will decrease over time. At this time Rise is only issuing loans to consumers who live in: Alabama, California, Delaware, Idaho, Louisiana, Missouri, New Mexico, Ohio, South Carolina, South Dakota, Texas, Utah, and Washington.
If you’re having trouble qualifying for a loan with the direct payday lenders listed here you may want to apply with CashAdvance.com. They have one of the nation’s largest networks of direct payday lenders and direct installment lenders. They can usually qualify anyone regardless of credit score, Chexsystems status, or work history. Unlike most direct payday lenders, they may still qualify you for a loan even if you have active payday loans outstanding. Upon approval they’ll deposit cash within 24 hours. They offer no fax loans up to $1,000.
Brand new direct lender with a 5 minute online application process. LendUp is different than most direct payday lenders. They let you choose your loan amount and repayment date. They will generally approve consumers who have no poor credit or no credit. Lastly, LoanUp will send cash to your debit card in 15 minutes or less! At this time LendUp is only issuing loans to consumers who live in: California, Louisiana, Missouri and Oklahoma. We expect more states to come on board over the next few months.
One of the largest direct payday lenders in the country. They lend in nearly every state and have been funding loans since 2000. High approval rate with an easy online application process and generally low rates compared to other direct payday lenders. They offer next day cash in hand as well as same day wire options if you qualify.
Currently offering online direct payday loans & installment loans with hundreds of locations throughout the country. Very reputable lender with an easy application process. They accept applications 24/7 and will give you an automated decision within 5 minutes. At this time Check City is only issuing payday loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Illinois, Kansas, Maryland, Missouri, New Mexico, Nevada, Texas, Virginia, Washington, Wisconsin, Wyoming, and Utah.
Bright Sky Lending
Online lender that offers same day direct payday loans and installment loans. Bright Sky has a quick online approval process that doesn’t require faxing or bank verification. Claim to never check your credit score or payday loan history. They also have a same day cash in hand option if you qualify.
One of the largest payday lenders in the nation with over 1 million loans issued. Currently offering direct payday loans and installment loans. Use promo code NEWCASH50 for 50% off fees through March! At this time CashnetUSA is not offering loans to consumers who live in: Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Massachusetts, New Jersey, New York, North Carolina, and Pennsylvania.
New direct lender offering personal installment loans with instant eligibility decisions through their online application process. You can borrow up to $5,000 and there are no borrowing limits for first time customers. At this time Net Credit is only issuing direct loans to consumers who live in: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Dakota, Utah, Virginia and Wisconsin
If you’re having trouble getting a loan from any of the direct payday lenders listed on this page you may want to directly apply with Loan Up. They work directly with 250+ direct payday lenders and can usually qualify anyone regardless of your past credit history or past payday loan delinquencies. Their network of direct payday lender’s offer a 100% online application process with one hour direct payday loans up to $1,000.
Payday Loan Today
They’re a large direct payday lender that’s been processing payday loans online for years. Assuming you submit and qualify for a loan by 3pm PST, they’ll process you’re cash advance that same day. March Coupon code special: Use Promo Code “200 fee free” for no fees on the first $200 borrowed. Due to increased regulations, Payday Loan Today is only issuing loans to consumers who live in: California, Oklahoma, Texas, Florida, Minnesota and Washington.
Helping Hands Advances
Online lender offering offering direct payday loans and direct installment loans throughout the country. They’re currently processing loans entirely online, no faxing or credit check is necessary. You have the option of next day cash or same day bank wire if available.
Check back at least once a week as we’re constantly adding new direct payday lenders. With increased state and federal regulations we’ve had to remove a few direct payday lenders that had been around for years. These payday loan companies have decided to halt lending for the time being instead of dealing with increased government regulation and scrutiny. With that being said, many of the large direct payday loan lenders will start lending again by summer at the latest. We also expect to see a few new direct payday lenders come on board as we move into spring 2014. With many direct payday lenders now issuing loans in limited states we’ve tried to list those specific states that they’re currently lending in. We’ve decided to list these states to make things easier on our visitors. Please understand, these states are always changing depending on the specific lender. As always, feel free to email us if you know of any direct payday lenders with a national presence that aren’t listed in our database. Also let us know if we’re listing any companies that are in fact not direct payday lenders.
Direct Payday Loan Lender Information – FAQ
Q: Who is Direct Payday Loan Lenders (Direct-Payday.com)?
A: We are an internet-based consumer advocacy organization. We specialize in helping consumers find direct payday lenders even if they have less-than-perfect credit. We urge consumers to use our website in order to learn more about payday loans in general. For example, check out our direct payday loan state regulations if you need info on what types of loans are applicable in your state. Also we strive to give our readers information and feedback on the direct payday lenders listed in our database here. We’re constantly adding new information and resources so bookmark our site and check beck often!
Q: In which states do you operate?
A: We don’t lend money. We don’t recommend any specific direct payday lenders. With that being said, most states have specific rules and regulations regarding who can operate in their respective state. It’s a good bet that you’ll be able to find at least one or two lenders that offers direct payday loans, auto title loans or installment loans in your state.
Q: Is it better to get a direct payday loan from a retail store on online?
Most of the large direct payday lenders we list in our database have retail store-fronts as well as online systems where you can fill out an application. There’s really no difference in getting a loan online or in person from these large direct payday lenders. Sometimes if you go to a storefront you may be able to get your money in real time as opposed to waiting the next day with an online direct payday loan lender.
Q: Are payday loans legal in all 50 states?
A: Payday loans are not legal in all 50 states. At this time payday loans are banned in 13 states. That doesn’t mean all forms of lending are banned in those 13 states. Some of them allow installment loans or other types of longer term loans. It’s best that you speak with an attorney to determine the validity of any type of short term loan in the state you reside in.
Q: Do you list companies that offer auto title loans?
A: At this time we only list one direct auto title lender. Unlike large direct payday lenders there are only a few direct auto title lenders that lend to most of the country. Eventually we plan on listing more companies that lend money based on the amount of equity you have in your vehicle.
Q: What is the payday loan application process in my state?
A: It really depends on the state you currently live in. Some states don’t allow direct payday lenders, such as New York and Pennsylvania. Some states will require you to send certain documents before approval such as payday stubs and direct deposit verification. We recommend that you check out our State by State Rules & Regulations page for more information.
Q: Do any of these direct payday loan lenders offer discounts or promo codes if I get approved for a loan?
A: Yes. Every so often these direct payday lenders will have promotions or fee reductions. Also many lenders will have promo codes around the holiday season. Check out or list of lenders for the most recent updates.
Q: What if I have bad credit or a recent bankruptcy?
A: Direct payday loans & Installment loans are intended to serve a need for someone with bad credit. That’s why interest rates are so high! Most consumers will qualify for some type of loan assuming they have an income of at least $800 a month with an active checking account. Some direct payday lenders will even approve your application if you have a Chexsystems hold as well.
Q: How many payday loans can I have at any given time?
A: This all depends on the state you live in. We have a state resource guide that breaks down these restrictions here. With that being said some direct payday lenders will run your information through non traditional credit checks to determine how many payday loans you have outstanding. Generally, most large direct payday lenders will deny you for a loan if you have 2 or 3 loans outstanding when you apply.
Q: How do I know my payday loan application is secure once I leave your site?
A: We have no control of your lender application once you leave our site. Once you leave our site you’ll want to make sure that your prospective lender uses 128 bit encryption. Only fill out an application that comes from a secured site. You may also want to check and see if your direct payday lender is a member of the Online Lenders Alliance.
What’s the difference between payday loans and installment loans?
A: Installment loans will usually have fixed monthly payments and have payoff times much longer than traditional payday loans. Also, installment loans usually have higher loan amounts. These amounts are generally in the thousands versus payday loans which are usually in the hundreds.
Can I still qualify for a direct payday loan if I recently filed bankruptcy?
A: Yes, most direct payday lenders don’t take this into consideration will you apply for a loan. You may be disqualified for an installment loan if you have a bankruptcy on your record but it shouldn’t matter with most direct payday lenders.
Q: What time of the day can I apply for a direct payday loan with any sites that are listed in your database?
A: Most direct payday lenders will authorize and approve your application 24 hours a day/7 days a week. Many lenders are setup as online only. That means there is no faxing or in person meetings necessary.
Q: What are the minimum requirements to get a direct payday loan?
A: There are a few basic requirements that most direct payday lenders require to fund a loan. You need to be 18 years old, Have income of at least $1,000 a month, and not be a regular/reserve member or dependent of the military. Some lenders have other specific requirements as well.
Q: So, if I’m in the military I can’t qualify for a direct payday loan?
A: That’s correct. The federal government and Department of Defense have strict rules when it comes to lending to active duty military. You must declare if you’re active duty military or not when applying for a direct payday loan. We recommend visiting militaryonesource.com if you’d like more information on lending options available to the military.
Q: Can I use a co-signer when applying for a direct payday loan?
A: It really depends on the individual lender. Most direct payday lenders will let you have a co-signer, but that also makes the co-signer responsible for your loan. Be sure to ask about this when applying for a loan.
Q: How quickly will I know that my loan application was approved or denied?
A: Most direct payday lenders are very quick in processing loan apps and the larger direct payday lenders will have an automated 24/7 approval process. You’ll usually know within a few minutes of submitting your information.
Q: How much am I allowed to borrow from a direct payday lender or direct installment lender?
A: The amount of money your allowed to borrow depends on the state you reside in. Also all direct payday lenders have specific amounts they’ll lend to first time consumers and returning clients. It can range from $250-$5,000.
Q: Why am I being declined for most payday loans & installment loans?
A: The decision made by a direct lender to lend you money is based on info you submitted when you applied for the initial payday loan. The decision to lend is sometimes based on a review of your credit history. This does not necessarily mean the lender checked your credit report. A decline can usually be attributed to a Chexsystems report.
Q: Does it cost anything to apply for a payday loan or installment loan with any company listed in your database?
A: Not at all. Direct-payday.com is not a direct payday lender and we only host this site to help consumers find the best direct payday lender(s). You won’t be charged anything unless you qualify for a payday loan and move forward with signing of on the loan.
Q: How can I get the money that’s being loaned to me?
A: You have a few options depending on how the lender operates. If they’re strictly online you’ll be able to get your money the next day through a bank wire. If your lender has a physical presence in the state you may be able to get the cash within less than an hour. More and more direct payday lenders are utilizing the same day cash option.
Q: What if I don’t have a savings account or checking account?
A: This can make it tricky to get a payday loan as most direct payday lenders want to be assured they’ll get their money back. Some of the larger direct payday lenders have physical storefronts where you can possibly work something out face to face with them. Be sure to ask your lender if there is anyway around this.
Q: Will most payday loan lenders check my credit report or credit score?
A: Not at all. These payday loans are designed for people with bad to poor credit and oftentimes your lender will approve a payday loan if you have a checking account, no loans outstanding, and if you make at least 1,000 a month.
Q: Do I need to fax or mail in any payment stubs or banking information?
A: Most likely this won’t be necessary. Many of the direct payday lenders listed in our database operate as fax-less payday loan lenders. Everything can be done in real-time within a few minutes. Some Lenders may require a paystub or bank info sheet but it really depends on the state you reside in.
Q: Can I repay my loan early and would this affect my finance charges?
A: Yes, you can pay your loan early. There should never be a prepayment penalty. In fact it’s something we always recommend. Remember, direct payday lenders make their money by stringing you along weeks at a time. A direct payday loan should only be viewed as a short term loan. Do all you can to pay it off as soon as possible. Also some states require you to be eligible for a partial refund of your interest charges if you pay a direct payday loan off early.