About Our Company & Our Directory of Lenders
The idea for this database of direct lenders was launched way back in 2013. At the time, our company was helping connect applicants and prospective borrowers with companies who were registered to provide loans in the state. We noticed a need for a database or “listing” of direct payday lenders broken down by state restrictions and lender requirements. As time has gone on, we’ve continued to update our database and added other features to our site that we think will benefit our visitors. In addition to payday loans we also list companies that offer other types of short term loans like cash advances, line of credits and in some cases, car title loans. In recent years we’ve seen more companies move away from high interest payday loan products towards installment loans that have a much longer payoff time with lower interest rates. Bottom line, you’re in the right place if you’re in the market to find a direct lender.
You have a lot to consider when you look to narrow down your direct lender payday loan options. Not only do you need a service that provides cash in your state, you also want to find the best offer when it comes to finance charges and payoff amounts. With our directory of payday loan companies you can compare many of the best direct lenders in your state. Review the rates and terms they want to charge and settle on a service that works best for you.
Most people use our site to access our database of direct payday lenders and direct installment lenders. We try to update and improve our database as often as we can. We’re constantly adding and removing lenders as the situation dictates. There have been massive changes over the past few years to the personal loan industry. Many of these changes are caused by new regulations in states like California which placed limits on the amount of interest a company can charge. These restrictions are good on paper as they limit the annual percentage rate a company can charge, but they also leave us with less options as many lenders have left the state. Please let us know if you think we’re missing any direct lenders. Also feel free to reach out to us if you have any questions or concerns.
Our goal is to educate consumers about the benefits and drawbacks that come with short term loans and what can happen if you fall behind on your payments. Keep in mind that payday loans/installment loans aren’t for everyone. They’re intended to serve as a last option if you need a quick influx of cash. Don’t turn to a short term lender if you have alternative means to borrow money. Most people who use our directory will not qualify for a personal loan because of credit issues or other financial problems. Only borrow what you can afford to pay back and don’t miss any monthly payments. Contact your lender’s customer service team if there’s a chance you will miss a payment or need help with alternative payment arrangements.
Direct Payday Lenders USA
2973 Harbor Blvd
Costa Mesa CA 92626