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  • List of Direct Payday Lenders

    Database of Direct Payday Loan Lenders & Direct Installment Lenders – Updated 5-1-2016

    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 loan. They claim you get an instant approval response within four minutes of completing your online application. You need an active checking account (no pre-paid account or savings account) to be approved for a loan and you can’t have any outstanding payday loans. At this time, MyPaydayLoan is NOT funding loans to anyone who lives in: Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New York, North Carolina, Oregon, Pennsylvania, Virginia, West Virginia and Wisconsin.
    Max Loan: $1000
    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. In order to be approved for an online loan you must have a 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 if available.They work with consumers in all states EXCEPT: Arizona, Arkansas, Connecticut, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, and West Virginia.

    Check Into Cash
    Check Into Cash may be the largest direct payday lender in the country. They have an highly rated online application system and claim that you’ll have an approval decision within 5 minutes. They also give you the option 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, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

    One of the largest direct payday lenders in the nation with over 4 million loans issued to consumers with bad to average credit. Currently offering both online direct payday loans and online installment loans. Use promo code NEWCASH25 for 25% off all loan fees through May! CashnetUSA is ONLY offering online loans to consumers who live in: Alaska, Alabama, California, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Mississippi, New Mexico, Nevada, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Virginia, and Wisconsin.

    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. They will generally approve consumers who have bad credit or no credit at all. Lastly, LendUp may be able to send cash to your bank account that same day if you qualify for an online payday loan! At this time, LendUp is ONLY issuing loans to consumers who live in: Alabama, California, Florida, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington & Wisconsin.

    Cash Central
    One of the largest direct payday lenders in the country that’s also offering direct 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. Use promo code: “CJ5615” anytime in May for 15% off fees on a payday loan. At this time, Cash Central is ONLY issuing direct payday loans in: Alabama, Alaska, California, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Mississippi, Nevada, New Mexico, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin.

    If you’re having trouble qualifying with the direct payday lenders listed here you may want to apply with Online Loan Network. They have one of the nation’s largest networks of online payday lenders and direct installment lenders. They can usually qualify anyone regardless of credit score, Chexsystems status, or work history. They may be able to qualify you for a loan even if you have active payday loans outstanding.  Upon approval they will typically deposit cash into your account within 24 hours. They offer online loans of up to $2,500 in all states EXCEPT: Arkansas, Georgia, New York, West Virginia and Vermont.

    Blue Trust Loans
    Blue Trust is the newest company to be added our database of online lenders. As of early 2016 they offer online personal loans of up to $1250 in nearly every state. These loans will typically have a payoff time of approximately 6 months and there is no pre-payment penalty. To qualify for a loan you must have an active checking account with verifiable direct deposit income. They fund loans in every state EXCEPT: Connecticut, Georgia, Massachusetts, Minnesota, New York, Pennsylvania, Washington, West Virginia and Wisconsin.

    Avant is a large national direct installment lender that offers personal loans of anywhere from $1000 to $20,000. Avant offers direct personal loans with a 10 minute application process, competitive interest rates(9-36%), late fee forgiveness, and they never require you to fax in documents. One drawback with Avant is that you usually need better credit than if you were just applying for a typical direct payday loan or installment loan. They have a huge national reach and currently offer installment loans to consumers in all states EXCEPT: Iowa, Maine, and West Virginia.

    OneClickLoan is a large company that claims to have serviced well over one million consumers since 1997. They’re currently offering online payday loans 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 work with consumers in every state EXCEPT: Arizona, Georgia, New York, Oregon, Washington & West Virginia.

    Net Credit
    New direct lender offering personal installment loans with instant eligibility decisions through their online application process. You can borrow $1,000 to $10,000 and there are no borrowing limits for first time customers. Lastly, you’re able to repay your loan in fixed payments over a certain amount of time and build your credit history as well. At this time, 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.

    Payday Loan Today
    They’re a large payday loan direct lender that’s been processing online direct payday loans for years. They have an instant approval process that tells you in seconds if you’re qualified for a $500 direct payday loan with a due date of up to 30 days out. Assuming you submit and qualify for a loan by 3pm PST, they’ll process and fund your cash advance that same day. Use promo code “200 Fee Free” for no fees on a payday loan of up to $200. Due to increased regulations, Payday Loan Today is ONLY issuing direct lender payday loans in: California, Florida, Minnesota, Oklahoma, Texas, and Washington.

    Are you looking for more money than what a traditional payday loan direct lender can provide? Or, are you worried you’ll be denied if a lender checks your credit? If so you may want to apply for an online payday loan with LoanSolo. They work directly with 200+ direct lenders that offer payday loans and installment loans. They can typically qualify you for an online loan 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 loan of $200-$500.

    Check City
    Currently offering online direct payday loans & installment loans online and 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.

    1 Hour Loans USA
    1 Hour Loans is a large online company that provides payday loans and direct installment loans to consumers in 44 states. They claim to have an online approval process that takes less than five minutes to complete. You must have an active checking account, be a US citizen that’s at least 21 years old and have a monthly income of at least $1000 a month to be approved for a direct payday loan. They work with consumers in all states EXCEPT: Georgia New York, Pennsylvania, Virginia, and West Virginia.

    Upstart offers high dollar personal loans in all 50 states. They let you pay off your loan over 4-25 months instead of in just a few weeks. They also promise no prepayment penalty, next day cash in hand, and a 5 minute application process. Lastly, 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%. You credit score plays a large part in their approval process so you’ll probably need a score of at least 700 to be approved.

    National Payday
    National Payday has been around for years and is currently one of the largest direct payday lenders in the country. They lend in nearly every state and have been offering online payday loans since 2000. National Payday currently has a high approval rate with low interest rates compared to other online direct payday lenders. They offer next day cash as well as same day wire options if you qualify for a direct cash advance loan.

    Lending Club bills itself as the world’s largest online lending marketplace and they claim to have funded well over $10 billion worth of loans in just the past few years. They offer online personal loans as well as small business loans for well qualified individuals. Most consumers will need a credit score of at least 680 to be approved for a personal loan. To be approved for a small business loan you’ll need to show a 2 year business history with at least 75k in annual sales.

    Loan by Phone
    LoanbyPhone is relatively new direct payday lender that offers 2 to 4 week direct payday loans all 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 in order to expedite your approval process. At this time, LoanbyPhone is ONLY issuing direct payday loans to consumers who live in: Alaska, Hawaii, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Utah, Washington, and Wisconsin.


    Do you need cash fast? Were you turned down for a payday loan? Even if you have bad credit, an Auto Title Loan may be a good option for you. LoanMart is the largest provider of online auto title loans. They can get you cash while using your vehicle as collateral. Here are some reasons why you should choose a title loan from LoanMart:

    •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
    **Online Title Loans are offered in all states except Connecticut, Oklahoma, New Jersey & New York**

    You will need a paid off vehicle with less than 150,000 miles to be approved for a loan. Check them out to get the process started: LoanMart

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


    • Check back often for new lenders that offer online payday loans and online installment loans! With increased state and federal regulations we’ve had to remove a few payday loan direct lender companies that had been offering online loans for years. These companies that fund direct lender payday loans made a decision to halt lending for the time being instead of dealing with increased government regulation and online scrutiny of short-term lenders. With that being said, many of the large direct payday loan lenders should start lending again by the end of spring at the latest. We also expect to see a few new payday loan direct lender sites to come on board as we move through the early part of 2016.  We’re already starting to see some new installment lenders offering loans to consumers that wouldn’t have been eligible just a few months ago. With many online direct payday lenders now issuing loans in limited states we’ve tried to list those specific states that they’re currently offering online loans in. We’ve listed these states to make things easier on our visitors. As you can probably tell, it can be very difficult to get direct lender payday loans in states like New York or Maryland, while 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 constantly depending on the specific lender. As always, feel free to email us if you know of any national direct payday lenders 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 List