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  • List of Direct Payday Lenders

    Database of Direct Payday Lenders & Direct Installment Lenders – Updated 4-15-2014

    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. At this time MyPaydayLoan is not offering loans to consumers who live in: California, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Mississippi, New York, North Carolina, Oregon, Pennsylvania, Virginia, West Virginia and Wisconsin.

    Ace Cash Express
    Longtime online direct payday lender offering same day cash in hand with over 1600 retail locations nationwide. They have low rates and have been in business since 1968! 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.

    Payday Direct
    Large company offering direct payday loans and direct installment loans to consumers in 47 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.

    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.  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, New Mexico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming.

    RISE Credit
    RISE is a new direct personal loan lender that promises to have a different approach to lending versus traditional payday loan companies. 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. Currently offering loans of up to $3,000 for new customers. 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.


    If you’re having trouble qualifying for a loan with the direct payday lenders listed here you may want to apply with 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, Louisiana, Mississippi, Missouri & Oklahoma. We expect more states to come on board over the summer.

    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 direct payday loans since 2000. Currently have a high approval rate with an easy online application process and generally low interest rates compared to other direct payday lenders. They offer next day cash in hand as well as same day wire options if you qualify.

    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.

    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.

    One of the largest direct payday lenders in the nation with over 1 million loans issued. Currently offering direct payday loans and installment loans. Use promo code NEWCASH50 for 50% off fees through April! 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, and Pennsylvania.

    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, Idaho, Georgia, Missouri, New Mexico, North Dakota, South Dakota, Utah, Virginia & Wisconsin.


    If you’re having trouble getting a loan from any of the direct payday lenders or direct installment lenders listed on this page you may want to directly apply with LendUp. They work directly with 250+ direct payday lenders and can usually qualify anyone regardless of your past credit history or past payday loan delinquencies. Their network of direct payday lenders offer a 100% online application process with one hour direct payday loans up to $1,000.


    Check City
    Currently offering online direct payday loans & 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 payday loans to consumers who live in: Alaska, Alabama, California, Colorado, Idaho, Illinois, Kansas, Maryland, Missouri, New Mexico, Nevada, Texas, Virginia, Washington, Wisconsin, Wyoming, and Utah.

    Payday Loan Today
    They’re a large direct payday lender that’s been processing payday loans online for years. Assuming you submit and qualify for a loan by 3pm PST, they’ll process you’re cash advance that same day. April coupon code special: Use Promo Code “200 fee free” for no fees on the first $200 borrowed. Due to increased regulations, Payday Loan Today is only issuing loans to consumers who live in: California, Oklahoma, Texas, Florida, Minnesota and Washington.

    Helping Hands Advances
    Online lender offering offering direct payday loans and direct installment loans to consumers throughout the country. They’re currently processing payday loans entirely online with a very quick 3 minute application process. They claim there is no faxing required and a credit check is never necessary. You have the option of next day cash or same day bank wire if available.


    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 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 will start lending again by summer at the latest. We also expect to see a few new direct payday lenders come on board as we move into spring 2014.  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 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. Also let us know if we’re listing any companies that are in fact not direct payday lenders.

    Payday Loans List


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