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Direct short-term loan lenders

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An option for borrowers with bad credit who need funds fast.

If you need a loan but don’t have the credit score for a traditional lender like a bank, an alternative option is a direct payday loan. When it comes to applying, you’ve got two basic options: apply with a direct short-term lender or through a loan connection service.

While there are some good loan connection services out there, no single service can claim to have every single direct payday lender available on its network. Plus, if you’re in a rush, getting a payday loan through a direct lender could be faster.

A direct payday lender will consider your application, send you your approved loan amount and be in contact until you repay the loan completely.

OppLoans Installment Loans

OppLoans Installment Loans
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

OppLoans Installment Loans

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

  • Minimum loan amount: $500
  • Maximum loan amount: $5,000
  • Turnaround time: 1 business day
  • Loan term: 9 to 36 months
  • Must have direct deposit and meet minimum income requirements
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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 along with all applicable fees 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. Some aspects that can vary include the maximum amount you can borrow, the term and whether or not you can extend your loan. 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.

Updated July 15th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Varies by state
1 business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.

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 lenders are an easy way to apply for a payday 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 bureaus, a large number still end up turning to Teletrack. If you’re looking for direct short-term lenders who don’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 lenders charge the same fees for a given amount. Check what fees and charges come with the loan before you apply.

Benefits and drawbacks of a direct short-term lender


  • 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 connection 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 connection 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 lenders and refrain from using a loan connection service, you may end up spending more time to find 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 reputation of the lender before you apply.
  • Costs and terms. A drawback of any short-term loan is the cost: You’ll likely pay a high APR that can range from about 28% to 1000% or higher. 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 if you’re looking for direct short-term 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 out in the first place.
  • Avoid late payments. When you make late payments, lenders will charge late fees. And if there’s no money in your bank account on the due date, you could end up paying nonsufficient funds fees, too. 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 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

For many short-term lenders, applications can easily be completed and submitted online. In order to secure a loan, you’ll need to meet some qualifications, which generally include:

  • Be a US citizen or permanent resident.
  • Meet the age requirements — usually between 18 and 21 years old.
  • Have a steady income.

If all of the requirements are met, there are usually just a few steps to apply. While the actual application will vary by lender, you’ll generally need to:

  • Provide your name, date of birth, address and email address.
  • Fax your 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?

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2 Responses

  1. Default Gravatar
    SteveOctober 11, 2017

    Will I be able to get cash by Friday?

    • Default Gravatar
      LiezlOctober 12, 2017

      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,

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