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  • List of Direct Payday Lenders

    Database of Direct Payday Lenders & Direct Installment Lenders – Updated 10-4-2017

     
    Check Into Cash
    Check Into Cash is a larger direct payday lender that provides loans online and at their offices throughout the US. They claim to have a highly rated online application system and claim that you’ll have an approval decision within 5 minutes. They also give you the choice of picking up your cash that same day from any of their retail locations. Check Into Cash is ONLY issuing payday loans to consumers who live in: Alabama, Alaska, California, Idaho, Indiana, Hawaii, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
    Max Loan:$1200

    CashAdvance.com
    This company offers online payday loans and direct installment loans throughout the country. They’re currently processing loans entirely online & no faxing or credit check is necessary. To be approved you will need a valid checking account, no savings or prepaid account. Assuming you qualify for an online payday loan, you’ll have the option of next day cash or same day bank wire. They work with consumers in all states EXCEPT: Arizona, Connecticut, Arkansas, Georgia, Maryland, Massachusetts, New York, New Jersey, North Carolina, Pennsylvania, and West Virginia.
    $2000

    MoneyKey
    MoneyKey is a respected lender with over 100,000 serviced customers. They offer a variety of online loans to consumers via a safe and secure online platform. Using their simple online application, you will get funds into your bank account within one business day upon loan approval. MoneyKey lends in California, Delaware, Illinois, Ohio (as a CSO), Texas (as a CAB), Kansas, Missouri, New Mexico and Utah. MoneyKey offers online payday loans, installment loans and lines of credit depending on the state of your residence.
    $2600

    MyPaydayLoan
    One of the largest direct payday lenders in the country and they never perform a credit check. They claim you get an instant approval response within four minutes of completing an application. You need an active checking account (no pre-paid or savings accounts) and you can’t have any outstanding payday loans. MyPaydayLoan funds loans in all states EXCEPT: Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New York, New Jersey, North Carolina, Oregon, Pennsylvania, Utah, Virginia, Washington, West Virginia & Wisconsin.
    $1000

    Cash Central
    One of the oldest online lenders in the country that’s also offering direct installment loans as of a few months ago. They recently rolled out a 24/7 online application process that lets you know instantly if you’re approved for a payday loan. Cash Central ONLY issues direct payday loans in: Alabama, California, Florida, Louisiana, Kansas, Minnesota, Mississippi, Missouri, Nevada, Oklahoma, Ohio, South Carolina, Tennessee, Texas, Utah, Washington & Wisconsin.
    $2500

     
    If you’re having trouble qualifying with the direct payday lenders listed here you may want to apply with CashRequest. They have one of the largest financial networks of direct payday lenders and direct installment lenders. They claim their lenders can work with nearly everyone regardless of credit score or Chexsystems status. They may be able to pre-approve you if even if there are active payday loans outstanding.  Upon approval, they will deposit money into your account by the next business day. They offer online loans of up to $1,250 in most states EXCEPT: Arkansas, New York and West Virginia.
     

    Blue Trust Loans
    Blue Trust Loans is one of the newest company on our database of direct payday lenders. As of late 2016 they fund online loans of $300 to $1200 in many states. These loans will typically have a payoff time of approximately 6 months and there is no pre-payment penalty. Applicants must have an open and clear checking account with verifiable direct deposit income of at least $1,000 a month. They fund loans in every state EXCEPT: Connecticut, Arkansas, Georgia, Massachusetts, Minnesota, New York, Pennsylvania, Washington, West Virginia, Wisconsin and Virginia.
    $1250

    CashNetUSA
    Cashnet is a huge direct payday lender that’s funded over 4 million loans to consumers with bad to average credit. Currently offering both online payday loans and online installment loans. Use promo code A15CASH to get 15% off all loan fees through December! CashnetUSA is ONLY offering online loans to consumers who live in: Alaska, Alabama, California, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, New Mexico, Nevada, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Virginia, and Wisconsin.
    $1500

    LendingPoint
    Lending Point provides personal loans of $3,000 to $20,000 for applicants with a “fair” credit score(between 600 and 700). Preliminary approval will take about 5 minutes and applying for a loan will not hurt your credit score. Their online loans are paid monthly with a payoff term that lasts from 2-4 years. LendingPoint ONLY provides online loans in: Alabama, Colorado, California, Delaware, Missouri, Michigan, New Jersey, Ohio, Oregon and Washington.
    $20000

    Net Credit
    New direct lender offering personal installment loans with instant eligibility & approval decisions. Applicants are eligible for $1,000 to $10,000 and there are no borrowing limits for first time customers. You’re able to repay your loan in fixed payments over a certain amount of time and build your credit history as well. Net Credit is ONLY issuing direct personal loans to consumers in: Alabama, California, Delaware, Idaho, Georgia, Missouri, New Mexico, North Dakota, South Carolina, Utah, Virginia & Wisconsin.
    $10000

    Payoff
    Payoff provides good credit personal loans that range from a few thousand dollars all the way up to $30,000. Interest rates are low(around 15%) and loan terms will last from 2 to 5 years. Applicants will need a credit score of above 675 to qualify. Installment loans are provided in 25 states. Some of these states include: Colorado, California, Florida, Illinois, Georgia, Indiana, New Jersey, New York, Pennsylvania and Texas.
    $30000

    Maxlend
    MaxLend is a large national direct installment lender that offers personal loans up to $1300. They offer direct personal loans with a 60 minute or less approval process and competitive lending terms. There is no pre-payment restrictions and they never require you to fax in documents. Maxlend claims that having no credit or even bad credit doesn’t mean you won’t qualify for an installment loan. They have many different loan options and terms for people with credit issues. They have a huge national reach and claim that checking your rate with them won’t affect your FICO score.
    $25000

    FastLoans
    FastLoans is a nationwide company that services online payday loans to residents in 40+ states. They have a quick online approval process that does not require any type of faxing or bank verification. They also have a same-day cash in hand option if you qualify for a payday loan. They accept applications in most states EXCEPT: Arizona, Georgia, New York, Oregon, Washington & West Virginia.
    $5000

    Check City
    Currently offering online direct payday loans & installment loans online. They also have hundreds of locations throughout the country. Very reputable payday loan direct lender with an easy application process. They accept online applications 24/7 and give an automated decision in five minutes. As of June, Check City is ONLY offering direct lender payday loans to consumers who live in: Nevada and Utah. We’ll let you know when they bring back more states.
    $1000

    Loan by Phone
    LoanbyPhone is new online lender that offers 2 to 4 week direct payday loans throughout the country. They claim to have a 5 minute online application process with an approval process that lasts less than 1 minute. They also have a 24 hour call center available for customers to get more information or expedite the approval process. LoanbyPhone is ONLY issuing direct lender payday loans to consumers who live in: Alaska, Hawaii, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Utah, Washington, and Wisconsin.
    $850

    Upstart
    Upstart offers high dollar personal loans in all 50 states. You will be able to pay back your loan over 4-25 months instead of a few weeks. They also promise no prepayment penalty, next day cash in hand, and a 5 minute application process. Upstart claims that interest rates on their loans are 30% lower than those of other lenders. Currently offering loans from $3,000 to $35,000 with APR starting at 5.7%. A borrower’s credit score plays a large part in their approval process.
    $25000

     
    Do you need more cash than what most direct payday lenders can provide? Are you worried you’ll be denied if a lender checks your credit? If so you may want to apply for a cash advance with LoanSolo. They work with 200+ direct lenders that provide cash advance loans and high dollar personal loans. They can typically qualify you for a cash advance of anywhere from $250 to $2,000 and they claim most lenders won’t perform standard credit checks. If you have poor credit(below 640) they may be able to qualify you for a payday loan of $200-$500.
     

    MoneyLion
    MoneyLion is nationwide direct lender that specializes in personal loans to consumers in most states. Their online loan rates and terms vary, so be sure to check their individual state rate pages before applying. Moneylion has loan programs available for consumers on all ends of the credit score spectrum. For example, borrowers could see interest rates as low as 30% for credit scores under 600 and rates of 6% for scores about 650. Loan amounts start at a few hundred dollars and go all the way up to $20k.
    $1500

    1 Hour Loans Direct
    1 Hour Loans is a large online company that provides payday loans in at least 44 states. They have an online approval process that takes less than five minutes to complete. Qualified applicants must have an active checking account and be a US citizen that’s at least 21 years old. You will also need have a monthly income that starts at $1000 a month to get approval for a direct payday loan. They work with consumers in most states and applicants can apply loans or get more information on their website.
    $1500

    National Payday
    This finance company has been around for years and is currently one of the largest direct payday lenders in the country. They lend in most states and have been offering online payday loans since 2000. National has low interest rates when compared to other online direct payday lenders and traditional bank financing options. They offer next day money and same day wire options on term loans if your bank allows it.
    $1000

    Payday Loan Today
    They’re a large payday loan direct lender that’s been servicing online direct payday loans for years. They have an instant approval process that gives approval for financing of approximately $500, with a due date of up to 30 days out. Assuming you submit and qualify for a payday loan by 3pm PST, they’ll service your cash advance that same day. Use promo code “200 Fee Free” for no fees on a serviced payday loan that’s less than $200.
    $800

    LendUp
    A 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 as well as your repayment date. This lender may be able to send money to your bank account that same day if you qualify for an online payday loan!
    $1000

    LendingClub
    This company bills itself as the world’s largest online lending marketplace. They’ve funded well over $10 billion worth of loans in the past few years. Well qualified individuals can qualify for personal loans and small business term loans with their service. Most consumers will need a credit score of at least 680 to ensure funding for a personal loan. Applicants applying for a small business loan will need to show a two year business information history with at least 75k in annual sales.
    $10000

     

    Do you need cash fast? Were you turned down for a payday loan? Even with bad credit, an Auto Title Loan may be a good option for you. TMG Title Loans is a leading provider of online auto title loans. They can get you cash while using your vehicle as collateral. Here are some reasons why you may want to consider applying for a title loan:

    •More money than a direct payday loan & bad credit is no problem
    •Repay the loan early with no extra penalty fees
    •Get money today and keep driving your vehicle
    **They issue Online Title Loans in all states except Connecticut, Oklahoma, New Jersey & New York**

    You will need a paid off vehicle with less than 150,000 miles to get a pre-approval. Check out their site for more information or to get the process started. TMG Title Loans
     

    More direct lender payday loans are added to our database all the time!

     

    Check back often for new lenders who provide direct lender payday loans and online installment loans! With increased state and federal financial regulations, we’ve had to remove a few companies that had been offering online loans for years. Many companies that fund direct payday loans made a decision to halt lending for the time being. This happens because of government regulation and online scrutiny of short term loan companies. With that, many of the large direct payday lenders should start lending later this year. We also expect to see a few new payday loan direct lender sites to come on board as we move through the second half of 2017.  We’re already starting to see some new installment lenders offering loans to consumers that wouldn’t have been eligible a few months ago. Many online direct payday lenders are now issuing loans direct in limited states. Because of that we’ve tried to list those specific states where they’re funding term loans. We’ve listed these states to make things easier on our visitors. As you can tell, it can be very difficult to get direct lender payday loans in states like New York or Maryland. It’s much easier to get a payday loan in states like Texas and California. This is a result of some states being more or less aggressive in how they regulate online lenders. Please understand, these states change depending on the specific lender. Feel free to email us if you know of any direct installment companies or large state specific lenders that aren’t included in our list. Also, please let us know if our list of payday loans direct lenders only includes any companies that are in fact not direct payday lenders.Payday loans from real lenders

  • How To Find Companies That Offer Online Payday Loans

     
    Search online for short term lending related term & you’ll get bombarded with dozens of companies that claim to offer direct payday loans. Most of these companies are not legitimate direct payday loan lenders. These companies operate as a payday loan matching service. These online marketing sites claim to match your personal & banking information with direct lenders. It’s likely they will sell your information to other companies that may not even offer direct payday loans! You’re left with your time wasted and usually you’re no closer to your goal of finding an online direct payday loan lender.

    Our database is constantly updated. Feel free to use our list of payday loans from direct lenders today!

     
    There are currently dozens of lenders that fund payday loans direct lenders across the country. These lenders process online applications from consumers in need of a short term loan!  At Direct-Payday.com we will help you find the best direct lender for your financial needs.  Many consumers end up at our site after searching for terms such as, short term financing or online bank loans. No matter the type of financing you’re looking for, we’re confident that our site will be the first and last site you use while searching for companies that offer direct online loans! Our goal is to list all the direct online lenders that offer short term payday loans & online installment loans in the United States.  We intend to make this database the most comprehensive list available of direct payday lenders. The laws that regulate direct payday loan lenders are always changing. Please let us know if a lender listed on our site is no longer offering loans or if you know of a payday loan lender that’s not listed on our site. We add and remove payday lenders every few days. We will continue to update this list as often as possible. 

    Payday loan laws and regulations are changing. If you notice any errors or know of site that offers payday loans from direct lenders not listed below then feel free to email us at info@direct-payday.com. Besides hosting a database of payday loans from direct lenders we always have resources available for consumers that may be looking for information on online loans. For instance, we have a resources page that lists helpful links and information about all things related to short term lending. online direct lender payday loan search One of our most popular pages is our regulations and rules page. This section details the latest updates and changes regarding short term lending laws. Not only does this page cover rules and regulations on a national basis, but it also has a broad overview of each respective state’s lending rules. Please take some time to explore out site and discover our many different lending related resources. Our list of online lenders attracts many consumers but you should always due your due diligence. Be sure to spend some time reviewing this site’s payday loan resources as well. Especially if you’re on the fence about whether you need a payday loan or installment loan! Sometimes you may need to apply with more than one lender if you have bad credit or if you don’t meet the qualifications of some direct payday lenders.  Cash advances are for short term cash emergencies only. Borrowers should only consider an online loan if all other financial options have been exhausted.  There are countless stories online of consumers that took out a direct payday loan with no intention of paying it back in full on the day it was due. Don’t do that. You’re not only going to be late on your but your short term loan will also roll over. In this situation you’ll be forced to pay back much more than what you borrowed. Make sure you can pay back your online loan in full when it comes due! You don’t want to get stuck in a cycle of payday loans direct lenders only that you can’t dig yourself out of. 

  • Direct Payday Loans – Frequently Asked Questions

    Direct Lender Payday Loans Online – FAQ

     

    Who is Direct Payday Loan Lenders (Direct-Payday.com)?
    We are an internet-based consumer advocacy organization. We specialize in helping consumers find direct lender payday loans even if they have less-than-perfect credit. We urge consumers to use our website in order to learn more about online 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!

    What is a short term loan/cash advance?
    A short term loan otherwise known as a cash advance is intended to be short term cash infusion without any type of long term obligation on the consumer’s part. These types of loans are also known as online payday loans and direct lender payday loans, just to name a few.

    What is a payday loan direct lender? I see that term used all throughout your site
    A payday loan direct lender is a hard cash lender that cuts out the middle man. Most direct payday lenders offer cash short term loans to consumers who have no other source of emergency funds. Online payday loans direct lenders are different from payday loan companies and payday loan brokers. When you work with a direct payday lender you’re only working with that company as opposed to many companies if you work with a payday loan marketing or broker service.

    In which states do you operate?
    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.

    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 payday loans direct 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 payday loan direct lender.

    Why should I chose a payday loan over other alternatives?
    There may in fact be other alternatives available to you that are better than a payday loan. For example, a bank loan, credit card cash advance or loan from a family member may be a better alternative. However, if you need emergency cash and have no other alternatives then a direct payday loan may be your best option.

    Are online payday loans legal in all 50 states?
    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.

    Where can I get more information on how payday loans direct lenders work?
    Direct Payday Loans and Direct installment loans don’t need to be complicated but many companies make then very difficult to understand. If you’re looking for more information on how direct payday lenders and direct installment lenders operate we’d recommend that you view our Payday Loans Resource page.

    Do you list companies that offer auto title loans?
    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.

    Do you list companies that offer online flex loans?
    Yes. Flex loans are much like installment loans. With a flex loan you’re able to get a high dollar loan for a longer term when compared to a payday loan. Flex loans are typically structured for a set amount of months and you can pay them off early with no pre-payment penalty.

    Do any of the payday loan lenders or installment lenders listed here report my payment history to the credit bureaus?
    Most direct payday lenders will not report your monthly payment history to the credit bureaus while most installment lenders will report your info. Taking out an installment loan can be beneficial if you’re trying to rebuild your credit as you can make on-time monthly payments and bump up your credit score with each payment. Each lender is different so check with them to see if they report your monthly. payments

    What is the online payday loan application process in my state?
    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.

    Do any of these direct lenders of payday loans offer discounts or promo codes if I get approved for a loan? 
    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.

    What if I have bad credit or a recent bankruptcy?
    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.

    How many payday loans can I have at any given time?
    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 of the well known payday loans direct lenders will deny you for a loan if you have 2 or 3 loans outstanding when you apply.

    How do I know my payday loan application is secure once I leave your site?
    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 payday loan direct lender is a member of the Online Lenders Alliance.

    How are direct payday lenders and direct installment lenders regulated?
    Most states regulate how the payday loan and installment loan industry can operate in their specific state. On a Federal level the Consumer Financial Protection Bureau has recently started regulating the payday loan and installment loan industries. You’ll also want to make sure that any lender you work with follows all industry best practices standards.

    What’s the difference between direct payday lenders and direct installment lenders?
    Installment loans will usually have fixed monthly payments and have payoff times much longer than traditional payday loans. Also, direct installment loans usually have higher loan amounts. These amounts are generally in the thousands versus direct payday loans which are usually in the hundreds.

    Can I still qualify for a direct payday loan if I recently filed bankruptcy?
    Yes, most payday loans direct 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.

    What time of the day can I apply for a direct payday loan with any sites that are listed in your database?
    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.

    What if I get a direct lender payday loan but change my mind a few days after?
    Before you sign off on direct lender payday loans you’ll want to make sure your lender specifies what happens in this specific situation. Usually most direct payday lenders will abide by state laws as well as industry best practices regarding loan rescission.

    I see terms like payday loans direct lenders and direct lender payday loans are used quite often on the site. Why is that? Aren’t all types of online payday loans the same?
    Yes, payday loans are no different than direct lender payday loans and payday loans direct lenders, these are all forms of short term loans that are available either online or offline. We use these terms because some consumers may know what payday loans direct lenders are but they may not know what a cash advance is. They’re pretty much all the same, we just want to get across the fact that we’re often referring to payday loans from a direct funder.

    Are there any processing fees or application fees incurred when I take out a direct lender payday loan?
    This all depends on the individual payday loan direct lender you go with. Some lenders may charge a fee but some lenders may not. It ultimately depends on the state you live in as many states have rules governing this practice.

    What are the minimum requirements to get an online direct lender payday loan?
    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.

    So, if I’m in the military I can’t qualify for a direct payday loan?
    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.

    Can I use a co-signer when applying for direct lender payday loans?
    It really depends on the individual lender.  Most payday loans direct 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.

    Can I apply for a direct payday loan if I’m a debtor in a bankruptcy case?
    Most likely no. Many direct payday lenders will frown on lending someone money that’s currently discharging their debts through bankruptcy. There may be exceptions to this rule that we don’t know about but it’s not likely. As always you should ask your attorney and your prospective lender if you want more information.

    How quickly will I know that my loan application from a payday loan direct lender was approved or denied?
    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.

    How much am I allowed to borrow from a payday loans direct lender or direct installment lender?
    The amount of money your allowed to borrow depends on the state you reside in.  Also all online payday loans direct lenders have specific amounts they’ll lend to first time consumers and returning clients.  It can range from $250-$5,000.

    Why am I being declined for most direct lender payday loans and direct installment loans?
    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. Also, you may be declined because you reside in a state the lender doesn’t operate in. Be sure to check out our payday loan regulations page for the latest information regarding payday loan laws and news in each state.

    Does it cost anything to apply for an online payday loan or installment loan with any company listed in your database?
    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. If you come across a company that’s asking you to give them money to apply for a loan you should know that’s a huge red flag.

    How can I get the money that’s being loaned to me by payday loans direct lenders?
    You have a few options depending on how the lender operates.  If they’re strictly an online cash advance lender 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.

    What if I don’t have a savings account or checking account?
    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.

    Will most payday loan lenders check my credit report or credit score?
    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. Some firms that provide direct lender payday loans will have their own credit lookup services, but this is typically unique to each company.

    Do I need to fax or mail in any payment stubs or banking information?
    Most likely this won’t be necessary.  Many of the direct payday lenders listed in our database operate as fax-less online company that provides direct lender payday loans.  Everything can be done in real-time within a few minutes. Some direct lenders payday loans may require a paystub or bank info sheet but it really depends on the state you reside in.

    How long does it usually take to be approved by a direct installment loan lender?
    Much like the direct payday lenders listed on our site it usually depends on which installment lender you end up going with. However, it may take a bit longer to be approved by a direct installment lender. Reason being, installment loans are usually higher dollar amount loans compared to payday loans. This means the individual direct lender may take longer to verify your personal and credit information.

    Will direct-payday.com keep my personal information secure?
    Remember, we’re not a direct lender of payday loans. Were not even a payday loan matching service. At no time do we ask for or require any of your personal information or information related to your financial history. We simply host a database of direct lender payday loans and direct installment lenders. Once you exit our site and land on a direct payday lenders site you’ll want to be sure that company has a plan in place to safeguard your personal information.

    What will happen if I don’t make my first loan payment?
    It’s critical that you never get to this point. As we recommend all throughout this site, a borrow should only take out a payday loan from a direct lender if they’re confident they can pay it off. With all types of payday loans direct lenders you will have a set payment amount and due date. Don’t find yourself in a situation where the monthly payment is coming due and you can’t make the payment. If this is a possibility, you should first reach out to your direct payday lender to explain the situation. Much like other forms of unsecured debt, you will probably be sent to collections if you default on what is owed.

    Is there a pre-payment penalty if I pay off an installment loan early?
    A: It will probably be best to check with your individual direct installment lender regarding this question. Most direct payday lenders and installment lenders will not charge a pre-payment penalty for early payoff but there could be exceptions to this. Be sure to check with your direct lender before you sign off on the loan!

    Can I repay my payday loan early and would this affect my finance charges?
    Yes, you can pay your loan early. There should never be a prepayment penalty assed to you by online payday loans direct lenders. 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 off payday loans direct lenders only.
    online payday loans direct lenders common questions and answers