Lenders that Provide Direct Loans
In need of an online loan? Do you have bad credit or no credit at all? If so, it can be tough to find a real company that delivers direct loans. Many websites claim to offer short term loans but most will sell your info to companies you don’t even know! Luckily we’ve made the process easy for you. We’ve taken the time to document and list many of the largest direct cash advance lenders. Our directory lists companies that provide cash advances all throughout the US.
Last Revised 7/15/19
CashNetUSA Cashnet is one of the largest direct cash advance lenders in the country. They are presently funding online payday loans and online installment loans of anywhere from $300 to $4000 depending on the state you live in. You must be 18 years old with an active checking account to get a loan. There’s no need to fax in documents assuming you can verify current employment. Cashnet provides online loans with payoff terms of 8-35 days. Check their website for payoff information about their other types of online loans.
MoneyKey With more than 180,000 customers, MoneyKey is a trusted state licensed payday lender. You may qualify for an online loan of up to $2,600 offered or arranged by MoneyKey even with bad or no credit. The online application process is quick and only takes about 15 minutes. Funds may be deposited into your bank account in 1 business day.
CheckIntoCash They’re a huge nationwide online lender. They’ve been funding payday loans since the early 90’s and claim to be a pioneer in the online cash advance industry. Check Into Cash also manages hundreds of retail locations in over 30 states. This means you can apply online and get money in hand in less than an hour at any of their retail locations. Their payday loan amounts and loan terms vary with each state. Be sure to check your state’s rates and terms before applying for a cash advance loan.
Mypaydayloan This company has been in the business of providing direct lender payday loans since 2005. They claim you can be approved for an online loan within minutes regardless of the fact that you may have bad credit or no credit at all. First time applicants can not have any outstanding payday or installment loans. Furthermore, you must make over $1500 a month with a bank account that’s in good standing.
CashCentral Cash Central is a leading online provider of direct payday loans and installment loans. They’ve been in business for at least 10 years and claim to have processed half a million loans. They fund direct advance loans of anywhere from $400 to $1,000 and just recently rolled out online installment loans for up to $5,000. Be sure to check their website for more information about payday advance loan amounts & requirements.
Payzonna They offer online payday loans as well as long term installment loans of up to $2500 in over 40 states. To be eligible for a loan you must have an active checking account and a steady source of income(at least $1400 a month). Their installment loan requirements are more stringent, but you may qualify for a loan even with bad credit. Payzonno claims to have a quick and easy online approval process that should take no longer than 10 minutes.
NetCredit This company has been around for years and they currently offer high dollar online loans in the US. They offer personal loans online and claim your credit score won’t be affected when you apply online. Even though they have a few storefront locations it seems you can still complete the online application process in a short amount of time. Netcredit funds direct payday advances of $1,500 to $8,000 for consumers with average to good credit.
LoanSolo They are a longtime provider of online loans. They have a large national presence and have been in the online lending industry for years. Most of their payday loans will come due in 4 weeks. These loans are ideal for someone who needs a small amount of money(usually $300-$600) and plans to pay it back in full within a few weeks.
Maxlend is a large direct cash lender that offers online loans in nearly every state. They have very flexible payment terms and you will not incur a penalty if you choose to pay off the loan early. Applicants will need to show a monthly income of at least $800 to qualify. The loan application process and signing of documents are all done online and they say you can have money in hand by the next business day.
Check City They are a licensed direct payday lender that’s funding online loans to consumers in the western states. Their loans range from $150 to $2,000 (depending on your state) with different interest rates and financial terms in each specific state. Borrowers will need to show employment with a checking account to qualify for a direct payday loan. Check City only funds loans in Nevada & Utah. You may be denied for a loan if you apply from any other state. Be sure to check the rates and terms and conditions on their website before starting the loan process.
Roundsky They are an online based company that handles payday loans and installment loans. To qualify for a loan of $300 to $1,000 you need a job that pays more than $1,000 a month with a checking account. Bad credit is ok, assuming there are no delinquencies from other direct cash advance lenders. To qualify for an installment loan of up to $10,000 you generally need average to good credit. Applicants will also need to show verified work history and the ability to make monthly payments.
National National is one of the few short term lenders that’s been in business for over a decade. They have a paperless application process with online approval in minutes. National is a great payday loan direct lender to apply with as they fund online loans in almost every state. Also, There’s no problem if you have bad credit as this company claims there is no inquiry of personal information with the credit bureaus. They will often allow both checking and savings accounts and you’ll never need to fax in any financial documents or bank statements.
Upstart Personal Loans Upstart claims to have rolled out term loans that go above and beyond those offered by most direct installment lenders. They’re currently providing high-dollar personal loans of anywhere from $3,000 to $35,000. Upstart has rates that compare to what you see with cash advance credit cards. They claim their loans have no prepayment penalty with rates and fees that are 25% lower than other financial companies. To get an Upstart loan you need a credit score of 650 with verifiable monthly income.