List Of Direct Payday Loan Lenders

Database of Direct Payday Loan Lenders & Installment Lenders – Updated 10-15-2024

My Payday Loan
One of the country’s largest direct lenders, 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 loans outstanding. My Payday Loan provides 24 hour payday loans 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.

Cash USA
This company offers online payday and installment loans throughout the country. They’re currently processing and underwriting loans entirely online, and no faxing or credit check is necessary for loan amounts up to $1,500. To ensure approval, you will need a valid checking account with direct deposit, not a savings or prepaid account. They work with consumers in all states EXCEPT Colorado, Connecticut, Maryland, Massachusetts, New York, Pennsylvania, Washington, and West Virginia.

MaxLend
MaxLend is a large direct lender offering personal loans up to $2,500. They provide a direct personal loan with a competitive payoff amount and lending terms. There are no pre-payment restrictions, and they never require you to fax in documents for the verification process. 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 massive national reach and can provide same day funding in all states except Arkansas, California, Colorado, Connecticut, Georgia, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Virginia, Vermont, Washington, and West Virginia.

LoanCenter
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 need a FICO score of at least 650 to qualify with a minimum monthly income of $2,500. LoanCenter ONLY offers personal loans of $2,000 to $5,000 in Alabama, Arizona, Arkansas, California, Delaware, Florida, Georgia, Kentucky, Maryland, Minnesota, Missouri, Mississippi, New Mexico, Ohio, Oregon, South Carolina, Tennessee, Texas, and Utah.

Opploans
Opploans provides direct personal loans of $500 to $4,000 for applicants with poor credit. Preliminary approval takes about 15 minutes & applying for a loan will not hurt your credit score. Their direct loans are paid monthly with a payment term lasting 1-4 years. Opploans ONLY provides direct loans in Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Missouri, Mississippi, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oregon, Rhode Island, South Carolina, Texas, Tennessee, Virginia, Utah, and Wisconsin.

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 networks of direct lender payday loans. 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.

MoneyKey
MoneyKey has been a respected direct lender since 2011, with over 150,000 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, Arkansas, Delaware, Florida, Idaho, Kansas, Missouri, Mississippi, Oklahoma, South Carolina, Texas, Tennessee, Wisconsin, and Utah. MoneyKey offers direct lender payday loans, installment loans, and lines of credit depending on the state of your residence.

Highway Title Loans
Highway Title Loans offers vehicle equity loans to consumers in over 32 states. In contrast to payday loans, a secured title loan can be an option for someone with bad credit who needs a higher funding amount. Loan amounts are based on the vehicle’s value and average between $1,000 and $7,000.

eLoanWarehouse
eLoanWarehouse is one of the newest companies on our list. This direct lender offers online payday loans for new customers that go up to $100 and loans up to $2,500 for returning borrowers. There is no pre-payment penalty, and you can payoff your loan in 9 months or less. Applicants must have an open checking account with an income of at least $1,100 monthly. They fund direct loans in every state EXCEPT: Connecticut, New York, Pennsylvania, and West Virginia.

Cash Store
Cash Store is a direct lender offering both installment loans and cash advances. With hundreds of retail locations throughout seven 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 straightforward verification process. Cash Store ONLY issues direct loans to applicants in Idaho, New Mexico, Texas, and Wisconsin.

Do you need more than what you’d get from a large installment lender? Are you worried about failing a credit check? If so, you should apply for a cash advance with LoanPros. They work with 40+ third party direct lending services that offer cash advances and personal loans. You can qualify for anywhere from $255 to $2,000; they claim most lenders won’t perform standard credit checks.

Net Credit
One of the newest direct payday lenders that offers personal installment loans and lines of credit with instant eligibility and fast approval decisions. Applicants are eligible for $1,000 to $10,000, and first-time customers have a fixed APR with set repayment terms. Repay your short term loan in fixed payments over 6 to 60 months and build your credit history with on time payments.

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 offer loans that range from $100 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 loans to consumers in Alabama, Alaska, California, Delaware, Florida, Indiana, Idaho, Kansas, Louisiana, Missouri, Mississippi, Nevada, Oklahoma, Oregon, Texas, Utah, and Wisconsin.

Ace Cash Express
Ace has been a longtime direct lender in the direct lending business since 1968. Offering same day funding at over 900 retail locations nationwide. Ace has low rates for online loan amounts of $100 to $2,500(depending on your state) and promises a 48 hour satisfaction guarantee on all funded loans. Loans offered in California apply to the Deferred Deposit Transaction Law. Ace offers loans in Idaho, Kansas, Louisiana, Minnesota, and Texas.

LeapCredit
Leap Credit provides online installment loans funded in less than one business day. The repayment term and APR depend on your state’s regulations, but you can expect a loan of $255-$2,500 with payoff times of 6-18 months. To qualify, you must provide a valid bank account, pass a credit check, and show proof of income. LeapCredit offers direct loans in Alabama, Idaho, Missouri, South Carolina, Texas, Utah, and Wisconsin.

Payoff
Payoff provides online personal loans ranging from a few thousand dollars to $30,000. Interest rates start low(around 10%), and payment terms last 2 to 4 years. Applicants need credit scores above 650 to qualify for this installment loan. Getting pre-qualified and checking your rate won’t affect your FICO score. With more on the way, online installment loans are provided in 36 states.

Check City
Check City has hundreds of lending locations nationwide and offers direct payday, installment, and car title loans based on your credit history. They accept online applications 24/7 and give an automated decision in five minutes with cash payouts in less than one business day. Check City provides direct lender payday loans in California, Idaho, Kansas, Missouri, Ohio, Texas, Wisconsin, and Wyoming.

CashNetUSA
Cashnet is a huge direct payday lender that’s worked with over 4 million consumers with bad to average credit—currently offering both direct payday loans and installment loans. Use promo code NEWCASH25 to get 15% off your application fees through December 2024! Cashnet offers next day loans in Alabama, Alaska, Delaware, Kansas, Louisiana, Michigan, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

Find The Best Payday Loan Companies With Direct Payday Lenders USA

Before I compare direct lenders – How does a payday loan work

Payday loans are designed as a short term cash advances to help you with emergency expenses until your next pay period. Loan amounts are often small initially, and you must repay the total amount plus interest within a few weeks. Interest rates on payday loans are typically high, and the APR can exceed 100% in some instances. The amount you can borrow from a licensed lender will vary by state.

Is “Direct Payday Lenders USA” an actual direct lender

We are not a direct payday loan lender or a broker. A borrower has two options when applying for an online payday loan. They can apply directly to any licensed lender in their specific state. Or they can apply with a 3rd party service or broker who takes the application and narrows down the options based on lender criteria and borrower information. Using a direct lender lets you know that only one company has your personal and financial information. Using a 3rd party, you can receive more quotes and payoff terms than expected from a payday advance company.

How to apply for a payday loan with Direct Payday Lenders USA

Applying for an online payday loan takes less than 30 minutes if you have the required documents. You’ll need your social security number,  banking details, and verifiable income info. Apply online with Direct Payday Lenders USA, or call us at 888-800-3841 to be matched with a licensed company in your state.

What are the advantages of an online lender comparison service instead of using a local lender

We add new direct lenders who provide payday and installment loans to our directory weekly! Due to increased state and federal financial regulations, we’ve removed a few direct lenders offering no-teletrack payday loans for years. Many firms have decided to halt payday lending because of government regulation and online scrutiny of direct lenders. We expect new licensed companies to come on board as we move towards 2025. We already see some new installment lenders and bank lenders offering direct loans to new applicants.

Affiliate Link Policy & Lending Disclosure

Some 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” to track clicks and conversions. We may receive affiliate compensation if you click an affiliate link, fill out an application, or get approved for a loan. We’ve always positioned this directory solely as a list of lenders. We do not rank or market the companies in our guide 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.

The financing offers listed on this site are not long term financial solutions. A loan decision should be based on immediate financial needs and emergency expenses. Read all applicable contracts, terms and conditions, and legal information before signing 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 consists of any services that are not actual loan companies.

Please read your payday loan agreement to learn about the fees, rates, and terms for all the online direct lenders you apply with!