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Direct Payday Loans

Information verified correct on January 20th, 2017

Why let someone else choose for you? Direct payday loans mean you know who you’re applying with

When it comes to applying for a payday loan, you’ve got two basic options. One is to apply with a direct payday lender and the other is to apply through a loan matching service. While there are a number of good loan matching services out there, what you have to remember is that no single loan matching service can claim to have every single direct payday lender available on its network. This is why looking for a payday loan through a direct lender can help.

A direct payday lender will consider your application, send you your loan and work with until you repay the loan completely.

Check into Cash Payday Loan

Check into Cash Direct Lender Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies upon state
  • Turnaround Time: 1-2 business days
  • Total Costs: Varies depending on the amount and your state of residency
  • Must be 18+
  • No security needed
  • Confidential and secure!

    Compare a range of direct payday loans lenders

    Below is a comparison of direct payday lenders. Compare fees, charges and loan terms. Note that the max loan amount is based on the provider’s max amount. The amount will vary based on your state of residence.

    A selection of loans you can apply for

    Here are some loan providers that you can apply to. Note that the max loan amount is based on the lender’s max amount. The amount will vary based on your state of residence.

    Rates last updated January 20th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    Check into Cash Payday Loan
    Whether you’re facing seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.
    From 260.71% (variable) 1000 Varies upon state 1-2 business days Go to site More
    CashNetUSA Loan
    CashNetUSA gives you the ability to apply for a Payday Loan, an Installment Loan, or a Line of Credit.
    From 299% (variable) 2250 Varies upon state 1 business day Go to site More
    Check City Payday Loan
    Get a Fast, Secure, and Confidential Payday Loan.
    From 17.5% (variable) Depends on state of residency Varies upon state Next day Go to site More
    From (variable) 25000 Varies 1-2 Business days More
    NetCredit Installment Loan
    Build a positive credit history and borrow up to $10,000 with Net Credit.
    From 34% (variable) 10000 Varies upon state 1 business day Go to site More

    A selection of lender matching services you can apply with

    These lender matching services are not lenders, loan brokers or agents for any lender or loan broker. They also do not make credit decisions. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the matching services max amount, but it will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.

    Rates last updated January 20th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    CashAdvance.com Payday Loans
    Whether it's an emergency situation or an unexpected expense, that's where Cash Advance® comes in.
    From 200% (variable) 1000 Up to 12 months 1-2 days Go to site More
    TriangleCash Payday Loans
    If you have bad credit or no credit history, a TriangleCash payday loan could be a helpful solution to get you funding.
    From (variable) 1000 Varies based on lender Instant approval Go to site More
    TrustedPayDay.com Payday Loan
    Get a short-term loan of up to $1,000 that you can repay on your next payday.
    From (variable) 1000 2-60 months As soon as tomorrow Go to site More
    Accredited Debt Relief
    Accredited Debt Relief can help you lower your monthly payments and interest rates or get out from serious debt. They offer free consultations at 1-877-569-5675.
    From 0% (variable) Varies based on lender On average a settlement lasts 2-4 years. Varies based on lender Go to site More
    LendYou Payday Loans
    The loans you need, when you need them.
    From 6.63% (variable) 1000 Varies 1 business day Go to site More

    How does borrowing from a direct lender work?

    Payday loan regulations can vary from state to state and aspects that can vary include the maximum amount you can borrow, the term and whether or not you can extend your loan.  Applying for these loans is easy and doesn’t take much time. The good thing is you have numerous options when it comes to looking for direct payday lenders online.

    If the lender approves your application you can get your money on the same or following business day. You’ll have to repay this money along with all applicable fees on your next payday.

    About to apply? Get ready for the following

    • An easy online process.
      Not all payday lenders provide equally an easy process through which you can apply. Some don’t require you to fax documents and others might require you to. Not all lenders take the same amount of time to process applications and some take longer than others when it comes to disbursing your funds. Remember this when submitting your application.
    • Find a lender online.
      Direct payday lenders are available for comparison online, and you can even submit your application online as well. No need to visit a store to receive your money. Of course, this also depends on what state you are applying from.
    • Flexible eligibility criteria. This industry has slightly more relaxed lending standards when compared to mainstream banking, so you can expect to find direct payday lenders that don’t make hard inquiries on your credit score. Bear in mind, though, that while you can apply with bad credit, you’ll still have to meet the lending criteria that’s in place and other forms of credit checks may occur.
    • Costs involved with loan matching.
      All direct payday loan lenders charge loan fees, and just how much they end up charging can vary from one lender to the next. The good thing is state regulations ensure that these fees don’t exceed a given cap.

    Benefits and drawbacks of direct payday lenders

    What are the benefits?

    • No missed opportunity.
      If you work with a loan matching service you might miss out on loans provided by some very good direct loan providers, but if you conduct the search on your own, you can get in touch with any lender you like.
    • Your personal information is safe.
      Direct lenders have no reason to pass your information on to other lenders, but when you apply through a loan matching service you can’t be sure of where your information is going.
    • Involves a quick process.
      Applying for loans through direct payday lenders online or in stores takes little time, and you find out about your application’s status almost immediately. If you apply in-store, you can get access to your money immediately, and with online applications, direct lenders can disburse approved funds on the same day or by the next business day.

    What are the drawbacks?

    • You’ll probably pay higher fees.
      Direct payday lenders are high-cost loans, so consider the fees you will be charged before you apply.
    • There are disreputable lenders.
      When you are conducting a search on your own you may come across lenders who are less than reputable, so you have to be on guard. Ensure they are meeting state regulations in terms of what they are charging you and how much they are lending you, and make sure you can afford the loan before applying.

    Jason's anniversary

    Jason on the phoneJason has just paid the insurance on his SUV and doesn’t get paid until the 1st of next month. Next week is his wedding anniversary and he’s left himself short for a romantic dinner. Jason jumps online to compare payday lenders.

    He needs his loan pretty quickly and doesn’t want to wait to be matched with a lender.

    After comparing a range of lenders, he finds a direct lender he I comfortable with applying with online.

    Things you might want to avoid

    If you feel you might not be able to repay the loan in a timely manner, avoid taking out the loan in the first place. This is because paying late will mean additional costs, and not paying can hurt your credit score.

    Refinancing the loan to extend its repayment period is something you should try to avoid because of additional costs involved in the process. Some states don’t allow payday loan rollovers.

    Have more questions?

    How much money can I borrow through direct payday lenders?

    Payday lenders offer different maximum loan amount limits. State regulations and your monthly income also play a role in the maximum amount you can borrow.

    How quickly can I get my money?

    If you apply in-store, you can get the money almost immediately after approval. With online applications, some lenders transfer approved funds on the same day, some by the next business day, and some may take up to three business days.

    How do I repay the loan and when?

    You will have to repay your payday loan on or before your next payday. Most lenders take the money directly from your bank account, but some give you other options as well.

    Can I repay my direct payday loan early?

    This can vary from lender to lender and from state to state. If you’ve come into some extra cash and want to pay off your loan early its best to check with your lender. You may get charged early prepayment fees.


    Direct payday lenders can take care of your need for quick access to funds, but given that you’ve got many options, take some time to compare a few.

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    US Payday Loans Offers

    Learn about our information service
    Check into Cash Payday Loan

    Whether you’re facing seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.

    Check City Payday Loan

    Get a Fast, Secure, and Confidential Payday Loan.

    NetCredit Installment Loan

    Build a positive credit history and borrow up to $10,000 with Net Credit.

    CashNetUSA Loan

    CashNetUSA gives you the ability to apply for a Payday Loan, an Installment Loan, or a Line of Credit.

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