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List of Direct Payday Lenders
Database of Direct Payday Lenders & Direct Installment Lenders – Updated 9-16-2014
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 direct payday loan. They also claim you’ll get an instant approval response within 4 minutes of completing your online application. You must have 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 offering loans to consumers who live in: Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New York, North Carolina, Oregon, Pennsylvania, Virginia, and Wisconsin.
Max Loan: $1000
Payday Direct is a large company offering online direct payday loans and direct installment loans to consumers in 45 states. Payday Direct claims to have an online approval process that takes less than 5 minutes to complete. You must have an active checking account, be a US citizen and have a monthly income of at least $800 a month to be approved for a direct payday loan. Longtime member of the Online Lending Alliance.
Ace Cash Express
Ace is a longtime online direct payday lender that’s been in business since 1968. Currently offering same day cash in hand direct payday loans with over 1600 retail locations nationwide. They have low rates and promise a 48 hour satisfaction guarantee on all funded direct payday loans. At this time, Ace is only issuing direct payday loans to consumers who live in: Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, Ohio, and Texas.
Currently offering online direct payday loans & direct installment loans with hundreds of locations throughout the country. Very reputable direct payday 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 direct payday loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Illinois, Kansas, Maryland, Missouri, North Dakota, New Mexico, Nevada, Texas, Wisconsin, Wyoming, and Utah.
RISE offers personal loans and promises to have a different approach to lending when compared to traditional payday loan companies. They let you pay off your loan over 4-25 months instead of in just a few weeks. They’ll also let you choose your own loan term and the interest rate on your loan may decrease over time. Currently offering loans from $500 to $5000 for new customers. At this time, RISE is only issuing loans to consumers who live in: Alabama, California, Delaware, Georgia, Idaho, Louisiana, Missouri, New Mexico, Ohio, South Carolina, South Dakota, Texas, Utah, and Wisconsin.
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 if you qualify! At this time, LendUp is only issuing loans to consumers who live in: California, Illinois, Louisiana, Minnesota, Mississippi, Missouri, New Mexico, Oklahoma, Oregon, Tennessee and Texas. We expect more states to come on board as we move into late 2014.
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. At this time, Cash Central is only issuing direct payday loans to consumers who live in: Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Mississippi, Nevada, New Mexico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming.
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 for a payday loan.
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. Assuming you qualify for a direct payday loan, you’ll have the option of next day cash or same day bank wire if available.
Are you looking for more money than what a traditional direct payday loan lender can provide? If so you may want to apply for a direct personal loan with PersonalLoans.com. They work directly with 200+ direct installment lenders, peer to peer lenders and direct bank lenders. They can usually qualify you for a direct personal loan of anywhere from $1,000 to $25,000. Even if you have poor credit(below 500) they can still qualify you in minutes for a direct personal loan of up to $1,000.
Payday Loan Today
They’re a large direct payday lender that’s been processing direct payday loans online 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. Due to increased regulations, Payday Loan Today is only issuing direct payday loans to consumers who live in: California, Florida, Minnesota, Oklahoma, Texas, and Washington.
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, California, Florida, Illinois, Idaho, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, 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 NEWCASH50 for 50% off all loan fees through September! At this time, CashnetUSA is only offering loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Kansas, Louisiana, Maryland, Missouri, New Mexico, Ohio, South Carolina, Texas, Utah, Virginia, and Wisconsin.
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.
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: Alabama, California, Delaware, Florida, Illinois, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, 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, late fee forgiveness, and they never require you to fax in documents. One drawback about Avant is that you usually need better credit then if you were just applying for a typical direct payday loan. They have a huge national reach and currently offer loans to consumers in every state except: Colorado, Iowa, Maine, Oklahoma, Pennsylvania, Vermont and Wyoming.
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 direct 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 should start lending again by fall at the latest. We also expect to see a few new direct payday lenders come on board as we move into the second half of the year. 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 listed these states to make things easier on our visitors. Please understand, these states change constantly 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. Let us know if we’re listing any companies that are in fact not direct payday lenders.