• List Of Direct Payday Loan Lenders

    Database of Direct Payday Loan Lenders & Installment Lenders – Updated 1-13-2023


    My Payday Loan
    One of the country’s largest direct lenders, 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. My Payday Loan can provide a 24 hour payday loan of up to $1,000 in all states EXCEPT: Arizona, Connecticut, Colorado, Florida, Georgia, Kansas, Kentucky, Maryland, Massachusetts, Minnesota, Missouri, New York, New Jersey, North Carolina, Oregon, Ohio, Pennsylvania, Utah, Virginia, Washington, West Virginia, and Wisconsin.


    Cash USA
    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 for loan amounts up to $1,500. 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. They work with consumers in all states EXCEPT: Arkansas, Colorado, Connecticut, Maryland, Massachusetts, New York, New Jersey, Pennsylvania, and West Virginia.


    MaxLend is a large direct installment lender offering personal loans up to $2,500. They provide a direct personal loan with a competitive payoff amount and lending terms. There are no pre-payment restrictions, and they never require you to fax in documents for the verification process. 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 massive 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.


    LoanCenter is a longtime online lender that now offers direct personal loans. These loans come with fair interest rates and no early payoff penalties. You will likely need a FICO score of at least 680 with a minimum monthly income of $2,500 to qualify. LoanCenter ONLY offers personal loans of $2,000 to $5,000 in Alabama, Arizona, Arkansas, California, Delaware, Florida, Georgia, Kentucky, Maryland, Minnesota, Missouri, Mississippi, Nebraska, New Mexico, Ohio, Oregon, South Carolina, Tennessee, Texas, Washington, and Utah.


    Opploans provides direct personal loans of $500 to $4,000 for applicants with a below average credit score. Preliminary approval will take about 15 minutes & applying for a loan will not hurt your credit score. Their direct loans are paid monthly with a payment term that lasts from 1-3 years. Opploans ONLY provides direct loans in Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Missouri, Mississippi, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oregon, Rhode Island, South Carolina, Texas, Tennessee, Virginia, Utah, Wisconsin, and Washington.


    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 networks of direct lender payday loans. They claim their lenders can work with nearly everyone regardless of credit score or Chexsystems status. Upon approval, they will deposit money into your account by the next business day. They offer online loans of up to $4,000 in most states EXCEPT: Arkansas, Colorado, New York, and West Virginia.


    MoneyKey has been a respected direct lender since 2011, with over 140,000 serviced customers. They offer a variety of direct lender payday 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, Oklahoma, South Carolina, Texas, Tennessee, Wisconsin, and Utah. MoneyKey offers direct payday loans, installment loans, and lines of credit depending on the state of your residence.


    Highway Title Loans
    Highway offers vehicle title loans to consumers all across the country. In contrast to payday loans, a secured title loan can be a viable option for someone with bad credit looking to borrow a more significant amount of cash. Loan amounts are based on the vehicle value and average between $2,000 and $5,000. In addition, they offer a completely online process, and you may be able to get cash for a car title in 24 hours or less.


    Loan by Phone
    Loan by Phone is a new direct lender that offers payday loans throughout the country. They have a quick 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.


    eLoanWarehouse is one of the newest companies on our list. This direct lender offers online payday loans for new customers that go up to $800 and loans up to $2,500 for returning borrowers. There is no pre-payment penalty, and payoff terms vary by state and underwriting conditions. Applicants must have an open checking account with an income of at least $1,100 monthly. They fund loans in every state EXCEPT: Connecticut, New York, Pennsylvania, and Virginia.


    Cash Store
    Cash Store is a direct lender offering both installment loans and cash advances. With hundreds of retail locations spread throughout seven 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 loans to $3,000 with a straightforward verification process. Cash Store ONLY issues direct loans to people in Idaho, New Mexico, Texas, and Wisconsin.


    247Loans is a company that offers payday loans to residents of 40+ states. They have a quick online approval process that does not require faxing or online bank verification. Borrowers can be approved for same-day cash if they qualify for a payday advance . They accept applications in most states EXCEPT: Arizona, Colorado, Georgia, Illinois, New York, Oregon, Washington & 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 residence but generally range from $255-$2,500 with payoff times of 6-12 months. To qualify, you must provide a valid bank account, social security number, and email address. LeapCredit offers direct loans to people in Alabama, Idaho, Missouri, South Carolina, Texas, Utah, and Wisconsin.


    Do you need more cash than 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 should apply for a cash advance with LoanPros. They work with 70+ third party direct lending services that offer cash advances and personal loans. You can qualify for anywhere from $255 to $2,000, and they claim most lenders won’t perform standard credit checks.


    Net Credit
    One of the newest direct payday lenders that offer personal installment loans and lines of credit with instant eligibility and fast approval decisions. Applicants are eligible for $1,000 to $10,000, and first-time customers have no borrowing limits. You can repay your short term loan in fixed payments over a certain amount of time and build your credit history as well.


    Check Into Cash
    Check Into Cash is a larger direct payday lender that provides payday advances online and at their offices throughout the US. They offer loans that range from $50 to $1,500, 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 loans to consumers who live in Alabama, Alaska, California, Delaware, Florida, Indiana, Idaho, Hawaii, Kansas, Louisiana, Missouri, Mississippi, Nevada, Oklahoma, Oregon, Texas, Utah, Wisconsin, and Wyoming.


    Ace Cash Express
    Ace has been a longtime direct lender in the direct lending business since 1968. Offering same day funding at over 900 retail locations nationwide. Ace has low rates for online loan amounts of $100 to $1,500(depending on your state) and promises a 48 hour satisfaction guarantee on all funded loans. Loans offered in California apply to the Deferred Deposit Transaction Law. Ace will issue a loan to consumers who live in California, Idaho, Kansas, Louisiana, Minnesota, and Texas.


    Cash Central
    One of the oldest direct payday loan lenders in the country, that also offers direct installment loans for bad credit applicants. They recently rolled out a 24/7 online lending platform that lets you know instantly if you’re approved for a direct loan of $200 and up. Underwriting is based on previous lending payment history and the ability to repay with current terms. Cash Central ONLY issues direct payday loans online in Alabama, California, Louisiana, Minnesota, Mississippi, Missouri, Nevada, Tennessee, Texas, Wisconsin, Wyoming, and Utah.


    Payoff provides good credit personal loans ranging from a few thousand dollars to $35,000. Interest rates start low(around 8%), and payment terms will last from 2 to 5 years. Applicants will need credit scores of above 675 to qualify for this installment loan. Getting pre-qualified and checking your rate won’t affect your FICO score. With more on the way, online installment loans are provided in 39+ states.


    Check City
    Check City offers direct payday, installment loan, and car title loans based on your credit history. They also have hundreds of locations throughout the country. They accept online applications 24/7 and give an automated decision in five minutes with cash payouts in less than one business day. Check City only provides online payday loans in a few Western states, so check their site for more info.


    Payday Loan Today
    They’re one of the larger direct lenders offering loans with no credit check. They have an instant online process that approves online financing of about $255. Most of their online loans will have a due date of up to 30 days. Assuming you qualify for an emergency loan by 3 pm PST, they’ll service your online cash advance that same day. Use promo code “200 Fee Free” for no fees on a cash advance of less than $200.


    Cashnet is a huge direct payday lender that’s worked with over 4 million consumers with bad to average credit—currently offering both direct payday loans and installment loans. Use promo code NEWCASH25 to get 15% off all application fees through February 2023! Customers can view their site terms for more information on discounts and terms. Cashnet offers next day loans in Alaska, California, Kansas, Louisiana, Michigan, Mississippi, Nevada, Oregon, South Carolina, Tennessee, Utah, Virginia, and Wisconsin.


    Find The Best Payday Loan Companies With Our Directory Of Direct Lenders


    Before I compare direct lenders – How does a payday loan work

    Most payday loans offered by a direct lender are a form of a cash advance. They’re designed as a short-term loan to help you with emergency expenses until your next pay period. Loan amounts are often small at first, and you will often need to pay back the full amount plus interest within a few weeks. Interest rates on these small-dollar loans are high, and it can be difficult to pay off the amount borrowed. A direct payday loan lender is a company that underwrites your actual loan. The amount you can borrow from a licensed lender will vary by state. You should ensure your lender is licensed in a state with a statute that allows for payday lending.


    Is “Direct Payday Lenders USA” an actual direct lender

    We are not a direct payday loan lender or a broker. A borrower has two options when applying for an online payday loan. They can apply directly to any licensed lender in their specific state. Or they can apply with a 3rd party service or broker who takes the application and narrow down the options based on lender criteria and borrower information. By using a direct lender, you will know that only one company has your personal and financial information. Using a 3rd party, you can receive more quotes and payoff terms than you would expect from a payday advance company.


    How to apply for a payday loan with Direct Payday Lenders USA

    Applying for a payday loan can be simple and only takes a few minutes if you have the required information. In almost every scenario, you will need to provide your social security number, contact information, banking details, and verifiable info to show your current employment and income. Apply in-person, online, or over the phone with a licensed lender in your state. Most direct lenders have a dedicated customer service team to help you with any problems or answer any questions. After submitting information with an online direct lender, you can get the cash a few hours after signing the loan agreement.


    What are the advantages of an online lender comparison service instead of using a local lender near me

    We add new direct lenders who provide payday and installment loans to our directory weekly! With increased state and federal financial regulations, we’ve had to remove a few direct lenders offering no teletrack payday loans for years. Many firms have decided to halt payday lending for the time being. This happens because of government regulation and online scrutiny of payday loans direct lenders. With that, many bigger companies may start lending again later this year. We expect a few new licensed companies to come on board as we move through 2023. We already see some new installment lenders and bank lenders offering direct loans to new applicants.


    Affiliate Link Policy & Lending Disclosure

    Some of the links in this list of online payday lenders are “affiliate links” to third party direct lenders or marketing services. Most affiliate links have tracking codes or “subIDs” to track clicks and conversions. We may receive affiliate compensation if you click an affiliate link, fill out an application, or get approved for a loan. We’ve always positioned this directory solely as a list of lenders. In no way do we rank or market the companies in our directory as the best or top payday loan companies. We firmly believe our comprehensive directory of payday loan companies adds value to our visitors, and we appreciate your support.


    The financing offers listed on this site are not long term financial solutions. A loan decision should be based on immediate financial needs and emergency expenses. Read all applicable contracts, terms and conditions, and legal information before signing 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 of direct lenders consists of any services that are not actual loan companies.


    Read your loan agreement to see the fees, rates, and terms for all the online direct lenders you apply with!


    Narrow down your choice of the top direct payday lenders online and be sure they adhere to the short term financing laws of your state.