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Direct short term loan lenders

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Have bad credit history and need a loan? Get it through a direct short term loan lender.

If you’re in need of a loan but don’t have the credit score for a traditional lender like a bank, an alternative option is a direct short term loan, also known as a payday loan. There are loan-matching services available that can connect you with multiple lenders, but if you’re in a rush, it might be easiest to go directly through the lender rather than through a matching service.

Check into Cash Payday Loan

Check into Cash 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 by 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!

    How does a direct short term loan work?

    Depending on the lender you select, you can apply online or in-store, and the application should only take a few minutes to complete. Most lenders process applications quickly and let you know if you’ve been approved soon after. Once you sign the contract, you typically have to repay the loan by your next payday.

    Online applicants can get their money transferred electronically into their bank account, and in-store applicants can collect their approved funds in person shortly after approval.

    Keep in mind that payday loan regulations are not the same in every state. While direct lenders may be legal in one state, they could be illegal in your home state.

    Short term loan lenders you can apply with

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated June 21st, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    What to look for in a direct short term lender

    Not all direct short term loan lenders are the same. Pay attention to these points while comparing lenders:

    • How easy is the process? Online direct short term loan lenders are an easy way to apply for a short term loan, but not all online applications are equally user-friendly. Some lenders might ask you to fax certain documents to verify your credentials, and the overall time these lenders take to review applications, approve your loan and disburse your funds varies significantly.
    • Does the lender conduct credit checks? While many short term lenders don’t carry out credit checks using the big three credit reporting agencies, a large number still end up turning to Teletrack. If you’re looking for direct short term loan lenders who doesn’t use Teletrack, you’ll have to limit your search to lenders who clearly advertise ‘no Teletrack payday loans’.
    • What fees will you pay? The amount you borrow and the state you live in affect how much you pay in terms of fees, but that does not mean all direct short term loan lenders charge the same fees for a given amount. Check what fees and charges come with the loan before you apply.

    Here’s a list of direct lenders you can browse to find a good match for you

    Benefits and drawbacks


    • With you from start to finish. When you work with a direct lender, you deal with a single institution throughout the process – from applying to the disbursement of funds and repaying the loan. This can make borrowing much simpler.
    • Information is secure. Loan matching services can pass your personal information to various third-parties, and there’s no telling how many marketing calls might follow.
    • Miss no opportunity. While a number of loan matching services boast extensive lender networks, they might still manage to miss a few good ones. When you’re on your own, you can take the time to look for ones based on your specific needs. You don’t have to worry about missing out.


    • Spend more time looking. If you limit your search to direct short term loan lenders and refrain from using a loan matching service, you may end up spending more time in finding the right loan.
    • Disreputable lenders. In the online lending space there is always a chance of finding a disreputable lender. Make sure you check the reputability of the lender before you apply.
    • Costs and terms. A drawback of any short term loan is the cost. You’re likely to pay a high APR that can range from about 28% to 1000%, or higher when taking out a short term loan. You also won’t have much time to repay your loan with most loans due on your next payday.

    Want to know if your lender is legit? Find out more here

    Is there anything to avoid?

    • Avoid taking out more than you can afford. Even when you’re looking for direct short-term loan lenders because you have an immediate financial need, keep in mind you’ll have to be able to repay the loan. If you’re not sure about your ability to repay on time, you may want to avoid taking the loan in the first place.
    • Avoid late payments. When you make late payments, lenders will charge late fees. If there is no money in your bank account on the due date, you could end up paying non-sufficient funds (NSF) fees. Banks and credit unions charge these fees to cover the costs of a bounced check when there aren’t enough funds in your account to cover the repayment.
    • Avoid refinancing. Refinancing the loan adds additional costs in the form of charges and fees. You’ll have to repay the original loan amount, the fees accrued from the first loan period, and the fees from the second as well.
    • Avoid settling. Given that there are dozens of direct short term loan lenders in the US, it’s best that you compare a few before making any kind of a decision. See what options you have available and find the right lender for your borrowing needs.

    Eligibility and how to apply

    Applications can easily be completed and submitted online. In order to secure a loan you will need to meet some qualifications:

    • Be a US citizen or permanent resident
    • Meet the age requirements (usually 18-21)
    • Have a steady income

    If all of the requirements are met there are just a few steps to apply:

    • Provide your name, date of birth, address, and email address
    • Fax state-issued ID or enter the information if applying online
    • Give details about your employment status and income

    Are payday loans available in my state?

    Frequently asked questions

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    2 Responses

    1. Default Gravatar
      SteveOctober 11, 2017

      Will I be able to get cash by Friday?

      • finder Customer Care
        LiezlOctober 12, 2017Staff

        Hi Steve,

        That will depend on when you have applied and got approved. In most cases, if your loan has been approved, you can expect the funds to be deposited in your bank account as soon as the next business day. It would be a good idea to confirm this with the lender as the receiving bank could have its own clearing cut-off time.

        Kind regards,

    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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