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  • List of Direct Payday Lenders

    Database of Direct Payday Loan Lenders & Direct Installment Lenders – Updated 4-20-2017

    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.
    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 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, Arkansas, Connecticut, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, and West Virginia.

    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 NEWCASH25 to get 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, Maryland, Michigan, Minnesota, Missouri, Mississippi, New Mexico, Nevada, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Virginia, and Wisconsin.

    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.

    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

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

    Blue Trust Loans
    Blue Trust is the newest company to be added our database of online lenders. As of late 2016 they fund online loans of $300 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. Applicants must have an open and clear checking account with verifiable direct deposit income of at least $2,000 a month. They fund loans in every state EXCEPT: Connecticut, Georgia, Massachusetts, Minnesota, New York, Pennsylvania, Washington, West Virginia and Wisconsin.

    Check n Go
    Check n Go is a longstanding nationwide lender that specializes in payday loans for residents in California, Texas and Ohio. Their payday loan rates and terms vary in each of these 3 states so be sure to check their individual state rate pages before applying. Check n Go also funds online installment loans in Ohio and California of up to $5000. Check n Go has over 400 retail locations in those three states alone!

    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 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%. A borrower’s credit score plays a large part in their approval process.

    Net Credit
    New direct lender offering personal installment loans with instant eligibility & approval decisions. 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.

    MaxLend is a large national direct installment lender that offers personal loans of up to $1300. They offer direct personal loans with a 60 minute or less approval process, competitive lending terms, 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 as they have many different loan options and terms. They have a huge national reach and claim that checking applying and checking your rate with them won’t affect your FICO score.

    FastLoans is a nationwide company that provides online payday loans to residents of 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.

    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.

    Loan by Phone
    LoanbyPhone is relatively new online 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 lender 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 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 directly 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.

    1 Hour Loans USA
    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. You must have an active checking account, be a US citizen that’s at least 21 years old and have a monthly income that starts at $1000 a month to be approved for a direct payday loan. They work with consumers in most states EXCEPT: Georgia New York, Pennsylvania and West Virginia.

    National Payday
    This direct lender 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 decent 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 your bank allows it.

    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 payday 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 that’s less than $200. Due to increased regulations, Payday Loan Today is ONLY issuing direct lender payday loans to residents of: Florida, Minnesota, Oklahoma, and Washington.

    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. Lastly, LendUp may be able to send cash to your bank account that same day if you qualify for an online payday loan! LendUp is ONLY issuing loans in: Alabama, Florida, Illinois, Kansas, Louisiana, Mississippi, Oklahoma, Oregon, Tennessee, Utah, Washington & Wisconsin.

    Lending Club bills itself as the world’s largest online lending marketplace that’s 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 ensure funding 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.


    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 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
    **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. Check out their site 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 regulations, we’ve had to remove a few direct lenders that had been offering online loans for years. These companies that fund direct 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 first half of 2017.  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. Feel free to email us if you know of any 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 direct lenders only