• Compare Direct Payday Loan Companies

    Database of Direct Payday Loan Lenders & Installment Lenders – Updated 11-4-2021

    Blue Trust Loans
    Blue Trust Loans is one of the newest companies on our database of direct payday lenders. As of 2021, they fund online 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 an income of at least $800 a month. They fund loans in every state EXCEPT: Arkansas, Connecticut, Georgia, Hawaii, Massachusetts, Minnesota, New York, Pennsylvania, Washington, West Virginia, Wisconsin and Virginia.


    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 or bank wire. They work with consumers in all states EXCEPT: Connecticut, Arkansas, Maryland, Massachusetts, New York, New Jersey, Pennsylvania, and West Virginia.


    My Payday Loan
    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 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.


    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 provide payday 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 payday loans to consumers who live in: Alabama, Alaska, California, Delaware, Florida, Indiana, Idaho, Hawaii, Kansas, Louisiana, Missouri, Mississippi, Nevada, Oklahoma, Oregon, Texas, Utah, Wisconsin, Washington and Wyoming.


    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 are 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.


    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 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, Arizona, California, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Missouri, 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 financial networks of direct lender payday loans and direct installment lenders. 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.


    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 600 with a minimum monthly income of $3,000 to qualify. LoanCenter ONLY offers personal loans of $2,000 to $3,500 in: Alabama, Arizona, California, Delaware, Florida, Georgia, Kentucky, Maryland, Minnesota, Missouri, Mississippi, New Mexico, Ohio, Oregon, South Carolina, Tennessee, Texas Washington and Utah.


    MoneyKey is 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 online payday loans, installment loans, and lines of credit depending on the state of your residence.


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


    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 loans to $3,000 with a very simple application process. Cash Store ONLY issues direct loans to people in: Idaho, New Mexico, Michigan, and Wisconsin.


    247Loans is a company that offers direct 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, 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 state of residence but generally range from $255-$3,500 with payoff times of 6-12 months. 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, North Dakota, South Carolina, Texas, Utah and Wisconsin.


    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 lending services that offer cash advances 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 online payday lenders that offer personal installment loans with instant eligibility and fast 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.


    Ace Cash Express
    Ace is a longtime financial institution that’s been in the business of direct payday lending since 1968. Offering same day funding at their 1400 retail locations nationwide. Ace has low rates for loan amounts at $1,000 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 direct lender payday loan to consumers who live in: Alabama, California, Kansas, Louisiana, Minnesota, Missouri and Texas.


    Cash Central
    One of the oldest direct payday loan lenders in the country that’s also offering 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. 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, Louisiana, Minnesota Mississippi, Missouri, Texas Wyoming and Utah.


    Payoff provides good credit personal loans that range from a few thousand dollars all the way up to $40,000. Interest rates start out low(around 15%) and payment terms will last from 2 to 5 years. This loan is designed to pay down high interest student loans 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 40+ states with more on the way.


    Check City
    Check City offers direct payday loans, installment loans, 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. As of 2021, Check City only provides online payday loans in a few Western locations, so check their site for more info.


    Payday Loan Today
    They’re one of the larger direct lenders that’s been offering online payday  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 online cash advance that same day. Use promo code “200 Fee Free” for no fees on a cash advance that’s 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 online payday loans and installment loans. Use promo code M15CASH to get 15% off all application fees through December! Customers can view their site terms for more information on discounts and terms. Cashnet only offers a next day online payday loan in: Alaska, California Florida, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Nevada, Oregon, South Carolina, Tennessee, Utah, Virginia, and Wisconsin.


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


    Before I compare direct lenders – How does an online payday loan work

    Most 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 from payday loans direct lenders 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 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 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. 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 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. 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 the cash that same day once approved.


    What are the advantages of a direct lender 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 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 direct payday loan companies. With that, many of the large direct lenders may 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 2021. We already see some new installment lenders and credit unions 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” that are used to track clicks and conversions. We may receive 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 comprehensive 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. 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 loan 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.