• Direct Payday Lenders – Terms & Conditions

    These site terms and conditions were last updated on November 21st, 2023.
    These disclosures are provided to you for information purposes only and should not be considered legal advice. Direct Payday Lenders USA is dedicated to providing the best information possible regarding direct payday lenders and installment lenders. Our goal is to provide consumers with informative and state-specific information on making a more informed decision regarding payday loan/installment loan-related issues. The disclosures listed below are provided to you as an informational service only and should not be construed in any way as legal advice. We are in no way a direct lender or matching service. Since we aren’t a direct lender, we have no access or information regarding the full terms of your specific lending request.


    Terms & Conditions For Direct Payday Lenders USA

    One of the benefits of our website is our Database of Direct Loan Lenders. Our database will usually list only payday lenders or installment lenders. However, there may be times when we list additional financial resources. Payday loans or installment loans may also be referred to as a cash advance, fast cash loan, line of credit, etc… The lenders in our database usually offer a loan with a loan term of anywhere from 1 month to 5 years. For the most part, these terms depend on which state you reside in. Be sure to check your specific state regulations before you sign off on a loan. Remember, these types of loans should never be used to remedy a situation where you already have significant debt to deal with, not to mention if you have credit concerns. Payday loans and installment loans should only be used as the last method of dealing with financial hardship. You should only use these types of loans for a short term cash crunch with the intention of paying them back as quickly as possible.

    Most lenders in our database will offer a short term payday loan or installment loan for up to $5000 (Dependent on Specific State Regulations). Not all lenders can provide up to $5000. At direct-payday.com, we take no responsibility for any information or documentation you provide to a lender listed in our database. Providing information on the lender’s site or the online application will not always guarantee that a borrower will get approval for a direct payday loan or installment loan.

    This site and database of direct lenders are entirely free to use. The owner/operator of Direct Payday Lenders USA is not an agent, representative, or broker of any lender and does not offer endorsements for any of the lenders on this site. The states serviced by our database of lenders may change occasionally and without notice. Payday loans and installment loans are not available in all states. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Ohio, Pennsylvania, Virginia, or West Virginia. Once approved for a loan, most lenders generally provide a cash transfer within 24-48 hours unless it’s a weekend or a holiday. The exact transfer times will vary between lenders and may also depend on the rules and regulations of your specific financial institution. You may have to fax documentation to a lender to confirm your identity, bank information, or work history.


    Credit Information:
    Most lenders will generally not perform a credit check with the three large credit reporting bureaus: Equifax, Experian, and TransUnion. Be sure to check with your lender and read the fine print before you consent to any type of credit check or verification that may be asked of you. Sometimes a lender will run a credit check or consumer report through alternative providers such as Chexsystems, Teletrack or DP Bureau. You should not attempt to qualify for a payday or installment loan if you have similar types of outstanding loans. Remember, we can not provide you with any information regarding any lending offers. Please contact the specific finance company or lender if you have questions or concerns regarding your payday loan or installment loan.


    APR Information:
    The Annual Percentage Rate (APR) is the rate at which your loan accrues interest. Every state mandates that a lender must show you the loan APR before you enter into a loan agreement. Specific APRs will vary from 33%-800% for payday loans & installment loans. Each state has specific rules and regulations that limit the APR a lender can legally charge you. Be sure to do your due diligence when applying for a loan. Make sure the lender gives you the exact terms (including APR) before you enter into a loan agreement.


    Financial Information Regarding Late Payments:
    All lenders have their own policy when it comes to late payments. This policy may include additional fees and interest. Quite often, a late payment will result in a lender reporting to the credit reporting bureaus, causing your credit score to fall. Before you sign off on a payday loan or installment loan, make sure you have read and fully understand the ramifications of making a late payment. Much like the APR information listed above all states have specific rules and regulations regarding late payments.


    Information Regarding Non-Payment; Lender Collection Practices:
    If you fail to make your loan payments, you may be responsible for additional fees, interest, and collection costs. These terms should always be disclosed in your loan contract. Non-payment will usually lower your credit score. Federal law requires lenders and third party collection agencies to use fair practices in their collection actions for any loan that has yet to be repaid. As a debtor in the United States, you’re protected by the Fair Debts Collection Practices Act. This Act specifically limits how a lender or a third party can collect on an unpaid balance. For example, you have the right to:
    – Not be contacted by phone before 8 am or after 9 pm.
    – Not be harassed or have abusive language used towards you over the phone.
    – Not be deceived by a collector who’s trying to collect money from you.
    – Not be threatened with legal action if it is not permitted.


    Renewal Policy:
    All lenders listed in our database have their own renewal policies. Also, each state has specific rules and regulations regarding how long and how often a loan can be renewed. Some lenders may automatically renew your loan or they may require your permission to renew your loan. If you renew a loan, the repayment period for that loan will likely result in additional fees and increased interest. If you incur fees or if your interest rises you will see a large increase in the total amount you owe on the loan. Before you sign off on a loan be sure to check with your lender to see if they automatically renew loans or if they require your permission to renew the loan.


    Your acceptance of our site terms

    By using this Site, you signify your acceptance of this policy and the terms of service listed below. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to these terms will be deemed your acceptance of those changes.


    Contacting us

    If you have any questions about this page, the practices of this site, or your dealings with this site, please get in touch with us at:

    Direct Payday Lenders USA


    2973 Harbor Blvd
    Costa Mesa, CA 92626

    Toll Free: 888-800-3481