List Of Direct Payday Loan Lenders

Database of Direct Payday Loan Lenders – Updated 10-1-2025

My Payday Loan
One of the country’s largest direct lenders, which never performs 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 loans outstanding. My Payday Loan provides 24 hour payday loans of up to $1,250 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 nationwide. They’re currently processing and underwriting loans entirely online, and no faxing or credit check is necessary for loan amounts up to $1,500. To ensure approval, you will need a valid checking account with direct deposit, not a savings or prepaid account. They work with consumers in all states EXCEPT Colorado, Connecticut, Maryland, Massachusetts, New York, North Dakota, Pennsylvania, Washington, and West Virginia.

MaxLend
MaxLend is a large direct lender that offers personal loans of 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 poor credit doesn’t mean you won’t qualify for an installment loan. They offer various loan options and terms for individuals with credit issues. They have a massive national reach and can provide same day funding in all states except Arkansas, California, Colorado, Connecticut, Georgia, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Virginia, Vermont, Washington, and West Virginia.

LoanCenter
LoanCenter is a longtime online lender that now offers direct personal loans. These loans come with fair interest rates and no early payoff penalties. To qualify, you need a FICO score of at least 630, and a minimum monthly income of $2,500 is required. LoanCenter offers personal loans of $2,000 to $5,000 in Alabama, Arizona, Arkansas, California, Delaware, Florida, Georgia, Kentucky, Minnesota, Missouri, Mississippi, New Mexico, Ohio, Oregon, South Carolina, Tennessee, Texas, and Utah.

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. Fast Cash Loans claims its lenders can work with nearly everyone, regardless of credit score or ChexSystems status. They will deposit the money into your account by the next business day upon approval. They offer online loans of up to $4,000 in most states EXCEPT Arkansas, Colorado, New York, and West Virginia.

MoneyKey
MoneyKey has been a respected direct lender since 2011, with over 150,000 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 checking account within one business day upon loan approval. They lend in Alabama, Arizona, Arkansas, Delaware, Florida, Hawaii, Idaho, Kansas, Missouri, Mississippi, Oklahoma, South Carolina, Texas, Tennessee, Wisconsin, and Utah. MoneyKey offers online payday loans, lines of credit, and installment loans, depending on your state.

Highway Title Loans
Highway Title Loans offers vehicle equity loans to consumers in over 32 states. In contrast to payday loans, a secured title loan can be an option for individuals with poor credit who require a larger funding amount. Loan amounts are based on the vehicle’s value and typically range from $1,000 to $7,000.

eLoanWarehouse
eLoanWarehouse offers online payday loans to new customers of up to $500 and loans of up to $2,500 to returning borrowers. There is no pre-payment penalty; you can repay your loan in 9 months or less. Applicants must have an open checking account and a monthly income of at least $1,100. They fund direct payday loans in every state EXCEPT: Connecticut, New York, Pennsylvania, and West Virginia.

Cash Store
Cash Store is a direct lender offering both installment loans and cash advances. With hundreds of retail locations 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 loans in Idaho, New Mexico, Texas, and Wisconsin.

Do you need more than what you’d get from a large installment lender? Are you worried about failing a credit check? If so, consider applying for a cash advance with LoanPros. They work with 30+ third party direct lending services that offer cash advances and personal loans. You can qualify for anywhere from $255 to $2,500; they claim most lenders won’t perform standard credit checks.

Net Credit
One of the newest direct payday lenders, offering 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 a fixed APR with set repayment terms. Repay your short term loan in fixed payments over 6 to 60 months and build your credit history with on time payments.

Check Into Cash
Check Into Cash is a larger direct payday lender that provides payday advances online and at offices throughout the US. They offer loans ranging from $100 to $1,500, with a funding decision made in as little as 5 minutes. They also provide the option to pick up your cash on the same day from any of their retail locations. Check Into Cash offers payday loans to consumers in Alabama, Alaska, California, Delaware, Florida, Indiana, Idaho, Kansas, Louisiana, Mississippi, Nevada, Oklahoma, Oregon, Texas, Utah, and Wisconsin.

Ace Cash Express
Ace has been a longtime direct lender since 1968. Offering same day funding at over 900 retail locations nationwide. Ace has low rates and 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 provides payday loans in California, Idaho, Kansas, Louisiana, and Texas.

LeapCredit
Leap Credit offers online installment loans that can be underwritten and funded in under one business day. The repayment term and APR depend on your state’s regulations; however, you can expect a loan of $255-$2,500 with payoff times ranging from 6 to 18 months. To qualify, you must provide a valid bank account, pass a credit check, and show proof of income. LeapCredit offers direct loans in Alabama, Idaho, Missouri, South Carolina, Texas, Utah, and Wisconsin.

Payoff
Payoff provides online personal loans ranging from a few thousand dollars to $30,000. Interest rates start low(around 10%), and payment terms last 2 to 4 years. Applicants must have a credit score of 675 or higher 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 36 states.

Check City
Check City has retail lending locations nationwide and offers direct payday, installment, and car title loans based on your credit history. They accept online applications 24/7 and provide an automated decision in five minutes, with cash payouts in under one business day. Check City offers payday loans in Alabama, Alaska, California, Idaho, Kansas, Mississippi, Missouri, Nevada, Ohio, OklahomaTexas, Wisconsin, and Wyoming.

CashNetUSA
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 your application fees through November 2025! Cashnet offers next day loans in Alabama, Alaska, Delaware, Kansas, Louisiana, Michigan, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

Find The Best Payday Loan Companies With Direct Payday Lenders USA

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

Payday loans are designed as a short term cash advances to help you with emergency expenses until your next pay period. Loan amounts are often small initially, and you must repay the total amount plus interest within a few weeks. Interest rates on payday loans are typically high, and the APR can exceed 100% in some instances. The amount you can borrow from a licensed lender will vary by state.

Does Direct Payday Lenders USA offer online loans

We don’t offer direct payday loans. A borrower has two options when applying for a payday loan online. They can apply directly to any licensed lender in their specific state. Alternatively, they can apply through a third-party service or broker, which takes the application and narrows down the options based on lender criteria and borrower information. Using a direct lender allows you to get a quote tailored to your situation, but you can’t compare interest rates. Using a 3rd party, you can receive more quotes and payoff terms than expected from a payday advance company.

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

Applying for an online payday loan takes less than 30 minutes if you have the required documents. You’ll need your Social Security number, banking details, and verifiable income information. Apply online with Direct Payday Lenders USA, or call us at 888-800-3841 to be matched with a licensed company in your state.

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

We add new direct lenders that provide payday and installment loans to our directory on a weekly basis. Due to increased state and federal financial regulations, we’ve removed a few direct lenders offering no teletrack payday loans for years. Many firms have decided to halt payday lending because of government regulation and online scrutiny of direct lenders. We expect new licensed companies to start lending as we move through 2025. We already see some new installment lenders and bank lenders offering direct loans to new applicants.

Affiliate Link Policy & Lending Disclosure

Some 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. We do not rank or market the companies in our guide 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 are aware of any direct installment companies, large state-specific banks, or credit unions not listed here. Also, please let us know if our list of direct lenders includes any lenders that do not offer direct payday loans.

Please read your payday loan agreement to learn about the fees, rates, and terms for all the online direct lenders you apply with! Payday loans come with high interest rates, and you can end up paying far more than what you borrowed if you don’t repay your loan quickly!