• List of Direct Payday Loan Companies

    Database of Direct Payday Loan Lenders & Installment Lenders – Updated 10-21-2020

    Blue Trust Loans
    Blue Trust Loans is one of the newest company on our database of direct payday lenders. As of 2019 they fund online loans of $100 to $2,500 in many states. There is no pre-payment penalty and payoff terms 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.
    Max Loan: $2,500

    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 with a funding 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 ONLY offers payday loans to consumers who live in: Alabama, California, Florida, Indiana, Illinois, Hawaii, Kansas, Louisiana, Missouri, Mississippi, Nevada, Oregon, Texas, Tennessee, 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 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, Connecticut, Colorado, Florida, Georgia, Maryland, Massachusetts, Minnesota, Missouri, New York, New Jersey, North Carolina, Oregon, Ohio, Pennsylvania, Utah, Virginia, Washington, West Virginia and Wisconsin.

    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.

    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 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 have trouble qualifying with the direct 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. Fast Cash 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.

    Leap Credit provides an online installment loan product that promises a straightforward and fast application process. The loan term and annual percentage rate will depend on your state of residence. You will need to provide a valid bank account, social security number and employment information to qualify. LeapCredit will ONLY offer a loan to people in: Alabama, Idaho, Missouri, Mississippi, North Dakota, South Carolina, Texas, Utah and Wisconsin.

    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 speed up the process. LBP is ONLY issuing loans to consumers who live in: Alaska, Alabama, Delaware, Illinois, Indiana, Florida, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oregon, Utah, Tennessee, Texas, Washington, and Wisconsin.

    MoneyKey is a respected direct 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, Delaware, 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 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 works in 9 states with more to come later this year. They offer short term funding in: Idaho, Delaware, Kansas, Missouri, New Mexico, South Carolina, Tennessee, Wisconsin and Utah.

    Echo Credit
    Echo offers a same day line of credit with fast underwriting and service. 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. Echo claims that interest rates on their loans are 30% lower than those of other lenders. Offering lines of credit from $500 to $2,600 based on eligibility. A borrower’s credit score plays a large part in their approval process.

    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, New Mexico, Michigan, Utah and Wisconsin.

    247Loans is a company that offers a loan to residents of 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.

    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 who offer 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
    One of the newest direct lenders that offers personal installment loans with instant eligibility & approval decisions. Applicants are eligible for $1,000 to $4,000 and there are no borrowing limits for first time customers. You’re able to repay your short term 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, 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 designed to pay 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 company that specializes in direct lender payday loans for immediate financial needs. 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 620 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
    Check City offers 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 2020, Check City only provides direct lender payday advances in a few Western locations, so check their site for more info.

    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. Loans offered in California are applicable to the Deferred Deposit Transaction Law. Ace will issue a loan to consumers who live in: Alabama, California, Delaware, Kansas, Louisiana, Minnesota, Missouri and Texas.

    1 Hour Loans Direct
    One Hour Loans is a large company that provides payday advances and other short term financial products in at least 41 states. They have an online loan 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 an online 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 one of the largest direct payday loan lenders in the country. They lend in most states and have offered direct payday loans online since 2000. National has low interest rates versus other direct payday lenders with third party bank financing options. National doesn’t offer a guaranteed amount or instant funding. But, they claim their underwriting is based on past payment history and not your current credit score. They offer a variety of next day cash options with no credit check and same day wire options if your bank allows it.

    They’re a large direct lender that’s been offering payday advance loans with no credit check for years. They have an instant online process that gives approval for online financing of about $255. Most of their online loans will have a due date of up to 30 days out. Assuming you 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 that’s less than $200.

    A brand new direct payday lender with a 15 minute online application process. LendUp is different from 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! Prospective borrowers will need to show limited employment and personal information. Examples include: personal references, job history and credit info when applying. They operate as a Credit Access Business in Texas and other applicable states.

    Cashnet is a huge direct payday lender that’s worked with over 4 million consumers with bad to average credit. Currently offering both online payday loans and installment loans. Use promo code A15CASH to get 15% off all application fees through November! Customers can view their site terms for more information on discounts and terms. CashnetUSA offers next day money in: Alaska, Hawaii, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Nevada, Oregon, South Carolina, 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 direct lender payday 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 to be eligible for a cash loan.


    Do you need quick cash? Were you turned down for a direct payday loan? Even with bad credit, an auto title loan can be a good option for you. TMG Car Title Loans is a leading provider of online auto title loans. They can get you fast term cash while using your vehicle as collateral. Here are some reasons why you may want to consider applying for a title loan with a direct lender:

    •More money than an online 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 Car 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 Lending website site for more information or to get the process started.

    More Direct Payday Loan 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 firms have decided to halt lending for the time being. This happens because of government regulation and online scrutiny of direct payday loan companies. With that, many of the large direct lenders should start lending again later this year. We also expect a few new licensed companies to come on board as we move towards the end of 2020. We already see some new installment lenders and credit unions offering loans to new applicants. Many direct lenders are now operating in limited states. As you can see, it’s difficult to get money in states like Colorado or Maryland. On the flip side, it’s much easier to get in Texas and Alabama. This is because some states are more aggressive in how they regulate online lenders. Thus, our list of financial institutions will depend on the specific company rates and terms. These financial offers are not a long term financial solution Base Your loan decision should be based on your immediate financial needs and emergency expenses. 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 contact our customer service team if you know of any direct installment companies, large state specific banks or credit unions not included here. Also, please let us know if our list includes any services that are in fact not actual loan companies.

    Know the fees, rates and terms for all the direct lenders you apply with!

    Narrow down your top online direct lenders and make sure they adhere to the financing law of your state.