• List of Direct Payday Lenders

    Database of Direct Payday Lenders & Direct Installment Lenders – Updated 12-2-2019

    Blue Trust Loans
    Blue Trust Loans is one of the newest company on our database of direct payday lenders. As of 2018 they fund online loans of $100 to $2,500 in many states. There is no pre-payment penalty and payoff terms will vary by state and underwriting conditions. Applicants must have an open and clear checking account with verifiable direct deposit income of at least $800 a month. They fund loans in every state EXCEPT: Connecticut, Georgia, Hawaii, Massachusetts, Minnesota, New York, Pennsylvania, Washington, West Virginia, Wisconsin and Virginia.

    This company offers online payday and installment loans throughout the country. They’re currently processing loans entirely online & no faxing or credit check is necessary. To ensure approval 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: Connecticut, Arkansas, Georgia, Maryland, Massachusetts, New York, New Jersey, Pennsylvania, and West Virginia.

    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 in as few as 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, California, Florida, Indiana, Illinois, Hawaii, Kansas, Louisiana, Missouri, Mississippi, Nevada, Oklahoma, Oregon, Texas, Tennessee, Utah, Wisconsin and Washington.
    Max Loan:$1200

    Opploans provides personal loans of $500 to $4,000 for applicants with a less than average credit score. Preliminary approval will take about 5 minutes & applying for a loan will not hurt your credit score. Their loans are paid monthly with a payoff term that lasts from 1-2 years. Opploans ONLY provides online loans in: Alabama, Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Missouri, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oregon, South Carolina, Texas, Tennessee, Virginia, Utah, Wisconsin and Washington.

    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, Florida, Georgia, Maryland, Massachusetts, Missouri, New York, New Jersey, North Carolina, Oregon, Ohio, Pennsylvania, Utah, Virginia, Washington and West Virginia.

    MaxLend is a large national direct installment lender that offers personal loans up to $2,500. They offer direct personal loans with competitive payoff and 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. They have many different loan options and terms for people with credit issues. They have a huge national reach and can provide same day funding in all states except: Arkansas, California, Connecticut, Georgia, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Virginia, Vermont, Washington and West Virginia.

    If you’re having trouble qualifying with the direct payday lenders listed here you may want to apply with Fast Cash Loans. 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 you have 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.

    Loan by Phone
    Loan by Phone is a new online lender that offers short term direct payday loans 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 to expedite the process. LBP is ONLY issuing direct lender payday loans to consumers who live in: Alaska, Alabama, California, Delaware, Illinois, Indiana, Florida, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oregon, Utah, Tennessee, Texas, Washington, and Wisconsin.

    MoneyKey is a respected lender with over 100,000 serviced customers. They offer a variety of online loans 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. They lend in Alabama, California, Delaware, Illinois, Idaho, Kansas, Missouri, Mississippi, New Mexico, South Carolina, Texas, Tennessee, Wisconsin and Utah. MoneyKey offers online payday loans, installment loans and lines of credit depending on the state of your residence.

    Jora Loans
    Jora provides next day installment loans that range from a few hundred dollars all the way up to $3,000. They promise a lending decision in seconds, with no early payment penalty. Jora loans are provided in 8 states with more to come later this year. They offer funding in the following states: Idaho, Delaware, Kansas, Missouri, New Mexico, South Carolina, Tennessee, Wisconsin and Utah.

    Cash Store
    Cash Store is a direct lender that offers both installment loans and cash advances. With hundreds of retail locations spread throughout 7 states, you can apply online and pick up your cash at a local store in less than an hour. They feature high approval rates and have a very simple application process. Cash Store ONLY issues direct loans to people in: Idaho, Illinois, New Mexico, Michigan, Utah and Wisconsin.

    247Loans is a 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 online bank verification. Borrowers can be approved for same-day cash in hand if they qualify for a payday loan. They accept applications in most states EXCEPT: Arizona, Georgia, New York, Oregon, Washington & West Virginia.

    Upstart offers high dollar personal loans in nearly every state. 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 business day cash in hand, and a 5 minute loan application process. Upstart claims that interest rates on their loans are 30% lower than those of other lenders. Offering loans from $3,000 to $35,000 with APR starting at 7.5%. A borrower’s credit score plays a large part in their approval process.

    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 borrowing history with the credit bureaus? If so you may want to apply for a cash advance with LoanPros. They work with 200+ third party direct lenders that provide cash advances and high dollar personal loans. They can 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.

    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.

    Cash Central
    One of the oldest cash advance lenders in the country that’s also offering direct installment loans for bad credit applicants as of a few months ago. They recently rolled out a 24/7 online lending process that lets you know instantly if you’re approved for an online loan. Underwriting is based on previous lending payment history and ability to repay with current terms. Cash Central ONLY issues direct payday loans online in: Alabama, Florida, Louisiana, Kansas, Minnesota and Utah.

    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 payment terms will last from 2 to 5 years. These loans are geared towards paying down high interest student loan and credit card debt. Applicants will need a credit score of above 675 to qualify. Getting pre-qualified and checking your rate won’t affect your FICO score. Online installment loans are provided in 25 states with more on the way.

    MoneyLion is nationwide lender that specializes in emergency cash loans. Their online loan agreement rates and terms vary by state. Be sure to check their individual state laws rate pages before applying. Moneylion has direct lender only programs available for consumers on all ends of the credit score spectrum. Borrowers could see interest rates as low as 30% for credit scores under 600 and rates of 6% for scores about 650. State laws are different for most, but loan amounts start at a few hundred dollars and go all the way up to $20k for qualified applicants.

    Check City
    This Lenders offers payday loans & different types of installment loans based on your credit history. 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 September, Check City only provides direct lender payday advances in a few Western States, so check their site for more info. We’ll let you know when they bring back more states.

    Ace Cash Express
    Ace is a longtime financial institution that’s been in business since 1968. Offering same day funding and at their 1600 retail locations nationwide. Ace has low rates and promises a 48 hour satisfaction guarantee on all funded loans. Ace issues online loans to consumers who live in: Alabama, California, Delaware, Idaho, Kansas, Louisiana, Minnesota, Missouri and Texas.

    1 Hour Loans Direct
    One Hour Loans is a large online company that provides payday advance loans in at least 44 states. They have an online loan process approval 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. Applicants can apply for loans or get more information through their website.

    National Payday
    This finance company has been around for years and is currently one of the largest direct payday loan lenders in the country. They lend in most states and have been offering direct payday loans online since 2000. National has low interest rates versus other direct payday lenders and third party bank financing options. National doesn’t offer a guaranteed approval or instant funding. But, they claim their underwriting is based on past payment history and not your current credit score. They offer next day cash with no credit check and same day wire options on term loans if your bank allows it.

    They’re a large direct lender that’s been servicing payday advance loans with no credit check for years. They have an instant online process that gives approval for online financing of approximately $500. Most of their online loans will have a due date of up to 30 days out. Assuming you submit and qualify for an emergency loan by 3pm PST, they’ll service your short term cash advance that same day. Use promo code “200 Fee Free” for no fees on a cash advance agreement that’s less than $200.

    A brand new direct lender with a 5 minute online application process. LendUp is different than most direct lenders online. They let you choose your loan amount as well as your monthly payment and repayment date. This company may be able to send money to your bank account that same day if you qualify for an online payday loan! Prospective borrowers will need to disclose limited employment and personal information. Examples include: personal references, job history and credit info when applying.

    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 application fees through December! CashnetUSA is ONLY offering online loans to consumers who live in: Alaska, Alabama, California, Florida, Hawaii, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Nevada, New Mexico, Oklahoma, Oregon, South Carolina, Texas, Tennessee, Utah, Virginia, and Wisconsin.

    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 both personal loans and small business term funding. Most consumers will need a good credit score with verifiable references. It needs to be at least 680 or higher to ensure funding for a personal loan. Applicants applying for a small business loan will need to show a two year business history. The business will need to generate at least 75k in annual sales.


    Do you need cash fast? Were you turned down for a direct payday loan? Even with bad credit, an Auto Title Loan may be a good option for you. TMG Car Title Loans is a leading provider of online auto title loans. They can get you short term 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 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 and New Jersey**

    You will need a paid off vehicle with less than 150,000 miles to get a pre-approval. Check out the TMG Car Title Loans website site for more information or to get the process started.

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


    Check back often for new companies who provide direct lender payday loans and online installment loans! With increased state and federal financial regulations, we’ve had to remove a few sites that were offering online loans for years. Many companies 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 loan lenders should start lending again early next year. We also expect to see a few new licensed lenders to come on board as we move towards the beginning of 2020.  We already see some new installment lenders and credit unions offering loans to new applicants. Many of these qualified borrowers wouldn’t have been eligible a few months ago. Many online 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 see, it’s difficult to get a payday loan in states like New York or Maryland. It’s much easier to get a loan in states like Texas and California. This is because some states are more aggressive in how they regulate online lenders. Therefore, our list of lenders will depend on the specific lender’s rates and terms. These types of loans are not a long term financial solution. Check all financial resources before deciding that a short term loan is your best option. Read all applicable contracts and terms and conditions before signing off on a contract. Feel free to email us if you know of any direct installment companies, large state specific banks or credit unions that aren’t included here. Also, please let us know if our list includes any services that are in fact not direct payday lenders.Payday loans from real online lenders

  • How To Find Companies That Offer Online Payday Loans

    Search online for short term lending related term & you’ll get bombarded with dozens of companies that claim to offer direct payday loans. Most of these companies are not legitimate direct payday loan lenders. These companies operate as a payday loan matching service. These online marketing sites claim to match your personal & banking information with direct lenders. It’s likely they will sell your information to other companies that may not even offer direct payday loans! You’re left with your time wasted and usually you’re no closer to your goal of finding an online direct payday loan lender.

    Our database is constantly updated. Feel free to use our list of payday loans from direct lenders today!

    There are currently dozens of lenders that fund payday loans direct lenders across the country. These lenders process online applications from consumers in need of a short term loan!  At Direct-Payday.com we will help you find the best direct lender for your financial needs.  Many consumers end up at our site after searching for terms such as, short term financing or online bank loans. We know there are many different types of financing you can be looking for. We’re confident our site will be the only site you use while searching for companies that offer direct online loans! Our goal is to list all the direct online lenders that offer short term payday loans & online installment loans in the United States.  We intend to make this database the most comprehensive list available of direct payday lenders. The laws that regulate direct payday loan lenders are always changing. Please let us know if a lender listed on our site is no longer offering loans or if you know of a payday loan lender that’s not listed on our site. We add and remove payday lenders every few days. We will continue to update this list as often as possible. 

    Short term lending laws and regulations are changing. Reach out to us if you notice any errors or know of a site that offers payday loans from direct lenders. You can email us at info@direct-payday.com. Besides hosting a database of payday loans from direct lenders we always have resources available for consumers that may be looking for information on online loans. For instance, we have a resources page that lists helpful links and information about all things related to short term lending. online direct lender payday loan search One of our most popular pages is our regulations and rules page. This section details the latest updates and changes about short term lending laws. Not only does this page cover rules and regulations on a national basis, but it also has a broad overview of each respective state’s lending rules. Please take some time to explore out site and discover our many different lending related resources. Our list of online lenders attracts many consumers but you should always due your due diligence. Be sure to spend some time reviewing this site’s payday loan resources as well. Especially if you’re on the fence about whether you need a cash advance or installment loan! Sometimes you may need to apply with more than one lender if you have bad credit or if you don’t meet the qualifications of some direct payday lenders.  Cash advances are for short term cash emergencies only. Borrowers should only consider an online loan if all other financial options have been exhausted.  There are countless stories online of consumers that took out a direct payday loan with no intention of paying it back in full on the day it was due. Don’t do that. You’re not only going to be late on your but your short term loan will also roll over. In this situation you’ll be forced to pay back much more than what you borrowed. Make sure you can pay back your online loan in full when it comes due! You don’t want to get stuck in a cycle of payday loans direct lenders only that you can’t dig yourself out of. 

  • Direct Payday Loans – Frequently Asked Questions


    What does your company(Direct-Payday.com) do?
    We are an internet-based consumer advocacy organization. We specialize in helping consumers find direct lender payday loans, even if they have less-than-perfect credit. We urge consumers to use our website to learn more about short term loans in general. For example, check out our state regulations page if you need info on what types of loans are applicable in your state. Also we strive to give our readers information and feedback on the direct payday lenders listed in our database here. We’re adding new information and resources so bookmark our site and check beck often!

    What is a short term loan/cash advance?
    A short term loan otherwise known as a “cash advance” is intended to be short term cash infusion. This type of financing does not have a long term obligation on the consumer’s part. These types of loans are also known as online payday loans and direct lender payday loans, to name a few.

    What is a payday loan direct lender? I see that term used all throughout your site
    A payday loan direct lender is a hard cash lender that cuts out the middle man. Most direct payday lenders offer short term loans to consumers who have no other source of emergency funds. Actual direct lenders are different from online marketing companies and brokers. When you work with a direct payday lender you’re only working with that company. Many other companies will forward your info to a payday loan marketing or broker service.

    In which states do you operate?
    We don’t lend money.  We don’t recommend any specific direct payday lenders.  With that, most states have specific rules and regulations about who can operate in their respective state.  It’s a good bet that you’ll be able to find at least one or two lenders that offers direct payday loans, auto title loans or installment loans in your state.

    Is it better to get a direct payday loan from a retail store on online?
    Most of the large companies we list in our database have retail store-fronts. These companies also have online systems where you can fill out an application. There’s no difference in getting a loan online or in person from these large companies Sometimes if you go to a storefront you may be able to get your money in real time as opposed to waiting the next day with an online payday loan direct lender.

    Why should I chose a payday loan over other alternatives?
    There may in fact be other alternatives available to you that are better than a payday loan. For example, a bank loan, credit card cash advance or loan from a family member may be a better alternative. If you need emergency cash and have no other alternatives then a direct payday loan may be your best option.

    Are online payday loans legal in all 50 states?
    Payday loans are not legal in all 50 states. Short term loans are banned in 13 states.  That doesn’t mean all forms of lending are banned in those 13 states.  Some of them allow installment loans or other types of longer term loans.  It’s best that you speak with an attorney to determine the validity of any type of short term loan in the state you live in.

    Where can I get more information on how payday loans work?
    Most personal loan options don’t need to be complicated. Many companies make then very difficult to understand. Are you looking for more information on how payday and installment lenders operate? If so, we recommend you view our Payday Loans Resource page.

    Do you list companies that offer auto title loans?
    We only list one direct auto title lender. Unlike large payday lenders there are only a few direct auto title loan companies that lend to most of the country. We plan on listing more companies that lend money based on the amount of equity you have in your vehicle.

    Do you list companies that offer online flex loans?
    Yes. Flex loans are much like installment loans. With a flex loan you’re able to get a high dollar loan for a longer term when compared to a payday loan. Flex loans are typically structured for a set amount of months and you can pay them off early with no pre-payment penalty.

    Do any of the payday loan lenders or installment lenders listed here report my payment history to the credit bureaus?
    Most direct payday lenders will not report your monthly payment history to the credit bureaus. Most installment loan companies will report your info. Taking out an installment loan can be beneficial if you’re trying to rebuild your credit. As you can make on-time monthly payments and bump up your credit score with each payment. Each lender is different so check with them to see if they report your monthly. payments

    What is the online payday loan application process in my state?
    It depends on the state you currently live in. Some states don’t allow direct payday lenders, such as New York and Pennsylvania. Some states will require you to send certain documents before approval. This can include things like payday stubs and direct deposit verification. We recommend you read up on your states restrictions for short term borrowing..

    Do any of these direct lenders of payday loans offer discounts or promo codes if I get approved for a loan? 
    Yes. Every so often these direct payday lenders will have promotions or fee reductions.  Also many lenders will have promo codes around the holiday season. Check out or list of lenders for the most recent updates.

    What if I have bad credit or a recent bankruptcy?
    Payday loans and Installment loans are intended to serve a need for someone with bad credit.  That’s why interest rates are so high!  Most consumers will qualify for some type of loan assuming they have an income of at least $800 a month with an active checking account. Some direct payday lenders will even approve your application if you have a Chexsystems hold as well.

    How many payday loans can I have at any given time?
    This all depends on the state you live in. We have a state resource guide that breaks down these restrictions here. With that, some direct payday lenders will run your information through non traditional credit checks. These systems will determine how many loans you have outstanding. Generally, most of the well known lenders will deny you for a loan if you have 2 or 3 loans outstanding when you apply.

    How do I know my payday loan application is secure once I leave your site?
    We have no control of your lender application once you leave our site. Once you leave our site you’ll want to make sure that your prospective lender uses 128 bit encryption.  Only fill out an application that comes from a secured site. You may also want to check and see if your payday loan direct lender is a member of the Online Lenders Alliance.

    How are direct payday lenders and direct installment lenders regulated?
    Most states regulate how the payday loan and installment loan industry can operate in their specific state. The Consumer Financial Protection Bureau is now regulating the online lending industries. You’ll also want to make sure that any lender you work with follows all industry best practices standards.

    What’s the difference between direct payday lenders and direct installment lenders?
    Installment loans will usually have fixed monthly payments. Many have payoff times much longer than what you see with traditional payday loans. Also, direct installment loans usually have higher loan amounts. These amounts are generally in the thousands versus direct payday loans which are usually in the hundreds.

    Can I still qualify for a loan if I recently filed bankruptcy?
    Some lenders will not take this into consideration will you apply for a loan. You may be disqualified for an installment loan if you have a bankruptcy on your record but it shouldn’t matter with most direct payday lenders.

    What time of the day can I apply for a direct payday loan with any sites that are listed in your database?
    Most online payday lenders will authorize and approve your application 24 hours a day/7 days a week.  Many lenders are setup as online only.  That means there is no faxing or in person meetings necessary.

    What if I get a direct lender payday loan but change my mind a few days after?
    Consider your options before moving forward with an online loan. Be sure your lender specifies what happens in this specific situation. Usually most direct payday lenders will abide by state laws as well as industry best practices regarding loan rescission.

    I see terms like cash advances and direct lender payday loans are used quite often on the site. Why is that? Aren’t all types of online loans the same?
    Yes, payday loans are really no different than a cash advance or installment loan. These are all forms of short term loans that are available either online or offline. We use these terms because some consumers may know what a direct payday lender is, but they may not know what a cash advance is. They’re pretty much all the same, we want to get across the fact that we’re often referring to financing from a direct loan company.

    Are there any processing fees or application fees incurred when I only take out a direct lender payday loan?
    This all depends on the individual payday loan direct lender you go with. Some lenders may charge a fee but some lenders may not. It depends on the state you live in as many states have rules governing this practice.

    What are the minimum requirements to get an online direct lender payday loan?
    There are a few basic requirements that most direct payday lenders require to fund a loan. You need to be 18 years old, Have income of at least $1,000 a month, and not be a regular/reserve member or dependent of the military. Some lenders have other specific requirements as well.

    So, if I’m in the military I can’t qualify for a direct payday loan?
    That’s correct. The federal government and Department of Defense have strict rules when it comes to lending to active duty military. You must declare if you’re active duty military or not when applying for an online loan. We recommend visiting militaryonesource.com. Sites like this are great for more information on lending options available to the military.

    Can I use a co-signer when applying for direct lender payday loans?
    It depends on the individual lender.  Most short term finance companies will let you have a co-signer, but that also makes the co-signer responsible for your loan. Be sure to ask about this when applying for a loan.

    Can I apply for a short term loan if I’m a debtor in a bankruptcy case?
    Most likely no. Many online direct payday lenders only will frown on lending money to someone in active bankruptcy. There may be exceptions to this rule that we don’t know about but it’s not likely. As always you should ask your attorney and your prospective lender if you want more information.

    How quickly will I know that my loan application from a payday loan direct lender was approved or denied?
    Most direct payday lenders are very quick in processing loan apps. The larger direct payday lenders will have an automated 24/7 approval process.  You’ll usually know within a few minutes of submitting your information.

    How much can I borrow from a short term lending company?
    The amount of money your allowed to borrow depends on the state you reside in.  Also all online payday lenders have specific amounts they’ll lend to first time consumers and returning clients.  It can range from $250-$5,000.

    Why did a company decline for most direct lender payday loans and direct installment loans?
    The decision by a direct lender to lend you money only comes from info you submit when you apply for the initial payday loan.  The decision to lend is sometimes based on a review of your credit history. This does not mean the lender checked your credit report. A decline can come from a negative Chexsystems report. Also, you can see a decline because you reside in a state the lender doesn’t operate in. Be sure to check out our payday loan regulations page for the latest information about lending laws and news in each state.

    Does it cost anything to apply for an advance online or installment loan with any company listed in your database?
    Not at all.  Direct-payday.com is not a direct payday lender and we only host this site to help consumers find the best direct payday lender(s). You won’t notice a charge unless you qualify for funding and move forward with signing of on the loan. If you come across a company that’s asking you to give them money to apply for a loan you should know that’s a huge red flag.

    How can I receive money that’s being loaned to me by an online lender?
    Most qualified borrowers have options, but they depend on how the lender operates.  If they’re strictly an online cash advance lender you’ll be able to get your money the next day through a bank wire.  If your lender has a physical presence in the state you may be able to get the cash within less than an hour. More and more direct payday lenders can provide a 24 hour payout option. Lastly, there are now options where you can get the cash deposited onto a debit card within 12 hours.

    What if I don’t have a savings account or checking account?
    This can make it tricky to get a payday loan as most direct payday lenders want to be assured they’ll get their money back.  Some of the larger direct payday lenders have physical storefronts where you can possibly work something out face to face with them. Be sure to ask your lender if there is anyway around this.

    Will most payday loan lenders check my credit report or credit score?
    Not at all.  These online loans are designed for people with bad to poor credit. Oftentimes your lender will approve a payday loan if you have a checking account, no loans outstanding, and make at least 1,000 a month. Some firms that provide next day funding will have their own credit lookup services. This option is only unique to each company.

    Do I need to fax or mail in any payment stubs or banking information?
    Most likely this won’t be necessary.  Many of the direct payday lenders listed in our database operate as fax-less online companies. Many of these firms provide only direct lender payday loans.  Everything can be done in real-time within a few minutes. Some direct lenders may need a paystub or bank info sheet, but it depends on the state you live in.

    How long does it usually take to be approved by a direct installment loan lender?
    Much like the direct payday lenders listed on our site it usually depends on which installment lender you end up going with. It may take a bit longer to be approved by a direct installment lender. Reason being, installment loans are usually higher dollar amount loans compared to payday loans. This means the individual direct lender may take longer to verify your personal and credit information.

    Will direct-payday.com keep my personal information secure?
    Remember, we’re not a direct lender of payday loans. Were not even a cash advance loan matching service. At no time do we ask for or require any of your personal information or information related to your financial history. We simply host a database of cash advnace loans and direct installment lenders. Once you exit our site and land on a direct payday lenders site you’ll want to be sure that company has a plan in place. This plan should include methods to safeguard your personal information.

    What will happen if I don’t make my first loan payment?
    It’s critical that you never get to this point. As we recommend all throughout this site, a borrow should only take out short term funding from a direct lender if they’re confident they can pay it off. With all types of direct loan services, you will have a set payment amount and due date. Don’t find yourself in a situation where the monthly payment is coming due and you can’t make the payment. If this is a possibility, you should first reach out to your direct payday lender to explain the situation. Much like other forms of unsecured debt, you will be sent to collections if you default on what is owed.

    Is there a pre-payment penalty if I pay off an installment loan early?
    A: It will be best to check with your individual direct installment lender regarding this question. Most direct payday lenders and installment lenders will not charge a pre-payment penalty for early payoff. As with most financial transactions there could be exceptions to this. Be sure to check with your direct lender before you sign off on the loan!

    Can I repay my obligation early and would this affect my finance charges?
    Yes, you can pay your loan early. There should never be a prepayment penalty assessed to you by payday loans online direct lenders only. In fact it’s something we always recommend. Remember, direct payday lenders make their money by stringing you along weeks at a time. A direct payday loan should only be viewed as a short term advance. Do all you can to pay it off as soon as possible. Also some states require you to be eligible for a partial refund of your interest charges if you pay off your loan in full before the due date.

    Direct Payday Lenders USA – Questions and Answers

    common questions and answers for short term financing services