• List of Direct Payday Loan Companies

    Database of Direct Payday Loan Lenders & Installment Lenders – Updated 2-22-2021

    Blue Trust Loans
    Blue Trust Loans is one of the newest company on our database of direct payday lenders. As of 2021 they fund payday loans of $150 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

    CashUSA.com
    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.
    $2,000

    Check Into Cash
    Check Into Cash is a larger direct payday lender that provides short term 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, Utah, Wisconsin and Washington.
    $1,200

    MyPaydayLoan
    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 can provide a 24 hour payday loan 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.
    $1,000

    Opploans
    Opploans provides direct lender 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 direct loans are paid monthly with a payoff term that lasts from 1-2 years. Opploans ONLY provides direct loans in: Alabama, Arizona, California, Delaware, Florida, Georgia, Indiana, Kentucky, Missouri, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oregon, South Carolina, Texas, Tennessee, Virginia, Utah, Wisconsin and Washington.
    $4,000

    Maxlend
    MaxLend is a large national direct installment lender that offers personal loans up to $2,500. They offer a direct personal loan 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.
    $2,500

    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.

    LeapCredit
    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.
    $2,500

    Loan by Phone
    Loan by Phone is a new online payday loan company that offers short term direct 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.
    $850

    MoneyKey
    MoneyKey is a respected direct lender with over 100,000 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, 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.
    $2,600

    Jora
    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 later in 2021. They offer short term funding in: Idaho, Delaware, Kansas, Missouri, New Mexico, South Carolina, Tennessee, Wisconsin and Utah.
    $3,000

    Echo Credit
    Echo offers a same day line of credit with fast underwriting and service. You can 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.
    $20,000

    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.
    $3,000

    247Loans
    247Loans is a company that offers payday loans 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.
    $5,000

    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 580) 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.
    $10,000

    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 a direct 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.
    $1,500

    Payoff
    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. This loan is 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.
    $25,000

    MoneyLion
    MoneyLion is nationwide company that specializes in direct lender payday loans for immediate financial needs. Their direct 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 650 and rates of 8% for scores above 680. 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.
    $1,500

    Check City
    Check City offers installment loans and car title 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 2021, Check City only provides direct lender payday advances in a few Western locations, so check their site for more info.
    $600

    Ace Cash Express
    Ace is a longtime financial institution that’s been in business of direct payday lending since 1968. Offering same day funding at their 1400 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.
    $1,000

    1 Hour Loan Direct
    One Hour Loan is a large company that provides payday advances and other short term financial products in at least 41 states. They have a direct 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.
    $1,500

    National Payday
    This finance company has been around for years and is one of the largest direct lender payday loan companies in the country. They lend in most states and have offered payday loans direct since 2000. National has low interest rates versus other direct payday lenders with third party bank financing options. Per National’s customer service team, they don’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.
    $1,500

    PaydayLoanToday
    They’re one of the larger direct lenders 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.
    $255

    LendUp
    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 for a direct lender loan. They operate as a Credit Access Business in Texas and other applicable states.
    $1,000

    CashNetUSA
    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 M15CASH to get 15% off all application fees through March! Customers can view their site terms for more information on discounts and terms. CashnetUSA offers a next day payday loan in: Alaska, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Nevada, Oregon, South Carolina, Tennessee, Utah, Virginia, and Wisconsin.
    $1,500

    LendingClub
    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 to get a loan. 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.
    $7,000

     
     

    How does a payday loan work – What is a direct payday loan lender

    Most payday loans offered by a direct lender are a form of a cash advance. They’re designed to act 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 full amount borrowed. A direct payday loan lender is a company that underwrites your actual loan. The amount you can borrow with a direct loan will vary by state and 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 and what’s the process to select a direct loan company

    We are not a direct payday loan lender and we’re not a broker. A customer has two options when they decide to apply for a loan. They can submit an application directly with any licensed payday loan company in their specific state. Or they can apply with a 3rd party service or broker who take 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. By using a 3rd party you can more quotes and payoff terms than what you would expect with payday loans online from direct lenders.

     

    How to apply for a direct payday loan

    Applying for direct 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 current employment and income. Apply in-person, online or over the phone with a licensed lender in your state. As of 2021, most companies have a dedicated customer service team that can help you with any problems or answer any questions you may have. After submitting information with an online direct lender you can get cash that same day once approved.

     

    What are the advantages of a direct payday lenders comparison service instead of using a lender near me

    We add new companies who provide direct lender payday loans and online installment loans to our directory weekly! 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 payday 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 through the beginning of 2021. We already see some new installment lenders and credit unions offering direct loans to new applicants. Finding a direct lender near you can be a great option, but it may help your search to check our site and compare different lenders and payoff terms!

     

    Affiliate Link Policy & Lending Disclosure

    Some of the links in this directory are “affiliate links” to third party direct lenders or marketing services. Most affiliate links have tracking codes or “subIDs” that are used to track clicks and conversions. We may receive an affiliate compensation if you click an affiliate link and 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 directory of payday loan companies adds value to our visitors and we appreciate your support.

    These financial offers are not a long term financial solution. A 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, terms and conditions and legal information 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 of direct lenders includes any services that are in fact not actual loan companies.

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


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