- Direct Payday Loan Resources & Information
- Direct Payday Lender – State Rules & Regulations
- About Us – Contact Info
If you do a simple online search for “direct payday lenders” you will get bombarded with hundreds of companies that claim to offer payday loans. However, most of these companies are not direct payday lenders. These companies are called payday loan “matching services”. These marketing companies claim they will match your information with prospective lenders. In all likelihood they will sell your information to a handful of 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 numerous direct payday loan lenders out there 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. Some lenders we list may not offer loans in your respective state but for the most part 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 payday loan companies. Don’t get discouraged during the process of applying for a loan. There are direct lenders out there that want to loan you money. 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 any lenders not listed below then feel free to email us at email@example.com.
Database of Direct Payday Loan Lenders & Installment Lenders – Updated 12-5-2013
One of the biggest direct payday lenders in the country and they never perform a credit check. They have a 5 minute approval process with very quick funding once you qualify. 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 locations nationwide. 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 approval process that lasts less than 5 minutes. You must have a checking account and a monthly income of at least $800 a month to be approved. Member of the Online Lending Alliance.
Large direct payday lender that’s also offering installment loans as of late November. 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, Wisconsin, and Wyoming. Currently offering 20% off loan fees through December.
If you’re having trouble qualifying for a loan with a direct payday lender 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. Even if you have active payday loans you may still qualify. Upon approval they’ll deposit cash within 24 hours. They offer no fax loans up to $1,000.
Brand 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.
One of the largest lenders in the nation with over 1 million loans issued. Currently offering direct payday loans and installment loans. 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, Pennsylvania and Virginia. Use promo code NEWCASH50 for 50% off fees through December.
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.
Direct payday lender offering loans throughout the country 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.
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 limits for first time customers. At this time Net Credit is only issuing loans to consumers who live in: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Dakota, Utah, and Virginia.
This company offers direct payday loans in a few west coast states with a payoff term that ranges from 7-14 days. They usually don’t require a credit check and can usually give an approval on your direct payday loan within 30 minutes.
If you can’t get a loan from a direct payday lender listed on this page you may want to apply with LoanUp. They work directly with 250+ direct lenders and can usually qualify anyone regardless of your past credit history or past payday loan delinquencies. They offer a 100% online application process with direct payday loans of up to $1,000.
Payday Loan Today
Online lender offering direct payday loans nationwide. Assuming you submit and qualify for a loan by 3pm PST, they’ll process you’re cash advance that same day. November & December special: Use Promo Code “200 fee free” for no fees on the first $200 borrowed.
Bright Sky Lending
Online lender that offers same day payday loans and installment loans. Bright Sky has a quick online approval process that doesn’t require faxing or bank verification. Claim to have same day cash in hand options as well as next day cash.
Do you need more cash than what you can get from a direct payday lender? Were you turned down for a direct payday loan because of your past credit history? If you answered yes to any of those questions you may be better off with an auto title loan. One of our car title loan partners, Max Cash Title Loans is a leader in the auto title industry and they’ll be able to pre-qualify you for a loan within just a few minutes. They’re able to assist consumers all throughout the country and have local agents in all 50 states. Here are some reasons why you should choose a title loan from Max Cash Title Loans:
•Get more money than a payday loan(up to $30,000 depending on state and vehicle).
•Rebuild your credit with an auto title loan by making on time payments each month.
•You can payoff your loan early with no pre-payment fees or added interest.
•60 second pre-approval process & quick funding with cash in hand in less than an hour.
•They lend to consumers in all 50 states!
Check them out today to get the process started: Max Cash Title Loans
World Cash Now
Direct payday lender offering loans primarily in Florida, also lend in some other Southeast states. First time consumers may be approved for anywhere from $200-$400 depending on qualifying status. Require bank account info to be faxed in before loan approval.
Helping Hands Advances
Online lender offering offering direct payday 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 where it’s available.
Check back at least once a week as we’re constantly adding new direct lenders. With increased state and federal regulations we’ve had to remove a handful of direct payday lenders. These payday loan companies have decided to halt lending at this time instead of dealing with increased government regulation and scrutiny. We expect to see a few additional direct payday lenders come on board as we move into the New Year. With many direct payday lenders now issuing loans in select 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.
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 loan lenders even if they have less-than-perfect credit. We also 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. 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 payday loans or installment loans in your state.
Q: Do you list companies that offer auto title loans?
A: At this time we only list one direct auto title lender. 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 payday loans 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 lenders will even approve your application if you have a Chexsystems hold as well.
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.
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 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: How much should I apply for?
A: We recommend researching the price of the vehicle you are looking to purchase. Remember to apply for greater than the actual value cost of the of the vehicle, to allow room for tax, title, licensing, and other value-added products such as GAP or an extended service contract.
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 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 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 companies 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 payday loan or installment lender?
A: The amount of money your allowed to borrow depends on the state you reside in. Also each lender has 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 do I can 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.
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 loan 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 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, 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.
Payday Loan – Site Disclosures:
These disclosures are provided to you for information purposes only and should not be considered legal advice.
Direct-payday.com is dedicated to providing the best information possible regarding direct payday lenders & installment lenders. Our goal is to provide consumers with informative and state specific information on how they can make a more informed decision regarding payday loan/installment loan related issues. The disclosures listed below are provided to you as an informational service only and should not be construed in any way as legal advice. We are in no way a direct lender or matching service. Since we aren’t a lender we have no access or information regarding the full terms of your specific loan.
One of the benefits of our website is our database of direct lenders. Our database will usually list only payday lenders or installment lenders. However, there may be times when we list additional financial resources. Payday loans or installment loans may also be referred to as a cash advance, fast cash loan, payday advance loan, faxless loan, etc… The lenders listed in our database will usually offer a loan with a loan term of anywhere from 1 month to 5 years. For the most part these terms depend on which state you reside in. Be sure to check your specific state regulations before you sign off on a loan. Remember, these types of loans should never be used to remedy a situation where you already have significant debt to deal with, not to mention if you have credit concerns. Payday loans and installment loans should only be used as a last method of dealing with financial hardship. You should only use these types of loans for a short term cash crunch with the intention of paying them back as quickly as possible.
Most lenders listed in our database will offer a short term payday loan or installment loan for up to $5000 (Dependent on Specific State Regulations). Not all lenders are able to provide up to $5000. At direct-payday.com we take no responsibility for any information or documentation you provide to a lender that’s listed in our database. Providing information on the lender’s website does not always guarantee that you will be approved for a short term payday loan or installment loan.
This website is completely free to use. The owner/operator of this Website and database of lenders is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. The states serviced by our database of lenders may change from time to time and without notice. Payday loans and installment loans are not available in all states. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Ohio, Pennsylvania, Virginia, or West Virginia. Once approved for a loan most lenders will generally provide a cash transfer within 24-48 hours, unless it’s a weekend or a holiday. The exact transfer times will vary between lenders and may also depend on the rules and regulations of your specific financial institution. You may have to fax documentation to a lender in order to confirm your identity, bank information, or work history.
Most lenders will generally not perform a credit check with the three large credit reporting bureaus: Equifax, Experian, TransUnion. Be sure to check with your lender and read the fine print before you consent to any type of credit check or verification that may be asked of you. Sometimes a lender may perform a credit check or consumer report through alternative providers such as Chexsystems, Teletrack or DP Bureau. You should not attempt to qualify for a payday loan or installment loan if you have similar types of loans outstanding. Remember, we can not provide you with any information regarding your loan. Please contact your lender directly if you have questions or concerns regarding your payday loan or installment loan.
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest. Every state mandates that a lender must show you the loan APR before you enter into a loan agreement. Specific APRs will vary from 33%-800% for payday loans & installment loans. Each state has specific rules and regulations which limit the APR a lender can legally charge you. Be sure to do your due diligence when applying for a loan. Make sure the lender gives you’re the exact terms (including APR) before you enter into a loan agreement.
Financial Information Regarding Late Payments:
All lenders have their own policy when it comes to late payments. This policy may include additional fees and interest. Quite often a late payment will result in a lender reporting to the credit reporting bureaus causing your credit score to fall. Before you sign off on a payday loan or installment loan make sure you have read and fully understand the ramifications of making a late payment. Much like the APR information listed above all states have specific rules and regulations regarding late payments.
Information Regarding Non-Payment & Lender Collection Practices:
If you fail to make your loan payments you may end up being responsible for additional fees, interest, and collection costs. These terms should always be disclosed in your loan contract. Non-payment will usually lower your credit score. Federal law requires lenders and third party collection agencies to use fair practices in their collection actions for any loan that has yet to be repaid. As a debtor in the United States, you’re protected by the Fair Debts Collection Practices Act. This Act specifically limits how a lender or a third party can collect on an unpaid balance. For example you have the right to:
- Not be contacted by phone anytime before 8 am or after 9 pm.
- Not be harassed or have abusive language used towards you over the phone.
- Not be deceived by a collector that’s trying to collect money from you.
- Not be threatened with legal action if it is not permitted.
All lenders listed in our database have their own renewal policies. Also, each state has specific rules and regulations regarding how long and how often a loan can be renewed. Some lenders may automatically renew your loan or they may require your permission to renew your loan. If you renew a loan the repayment period for that loan will likely result in additional fees, as well as increased interest. If you incur fees or if your interest rises you will see a large increase in the total amount you owe on the loan. Before you sign off on a loan be sure to check with your lender to see if they automatically renew loans or if they require your permission to renew the loan.