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  • List of Direct Payday Lenders

    Database of Direct Payday Lenders & Direct Installment Lenders – Updated 8-10-2017

     
    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 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 $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 August! 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

    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

    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 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.
    $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 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.
    $1000

    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

    Loan by Phone
    LoanbyPhone is 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 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

     
    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.
     

    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. 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 as well as 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 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 constantly 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