Frequently Asked Questions
We offer payday loans and installment loans (click links for details). You are welcome to see this public page on wikipedia that will provide a detailed background of payday loans and their benefits, as well as this page about installment loans. Additionally, you can also see this FTC official page about payday loans as well. Keep in mind, however, that general information does not always reflect specific lenders properly. The lenders featured on this site have been handpicked and are some of the best on the market according to our knowledge.
The online payday loans that we feature on our site have been hand-picked based on numerous factors, so these are definitely the best options for payday loans to start with.
No problem. Our primary goal is providing you the best online direct payday lenders. You will see a detailed list of these when you begin the 3 step application process, so you can choose the best lender for your cash needs.
The term direct payday lenders no third party refers to actual direct lenders of payday loans and not brokers. Yes, we offer you a detailed list of companies that are direct payday loan lenders no third party type to choose from, which outlines amounts offered, terms and locations where each lender offers such loans, so you can pick any lender you like and instantly apply for the cash you need. This list of direct payday lenders was hand-picked from lenders that we have seen great reviews on and got positive feedback about from customers.
No problem, we do offer direct online payday lenders only and not physical location lenders. This makes it super easy for anyone to apply on our website from the comfort of their home. In fact, it's a lot faster to apply with online payday loans direct lenders, which means that when you get approved, you can get your money even faster.
When a loan company calls themselves a payday loans no credit check direct lender, it means that they don't perform a traditional credit check on their applicants. All the direct payday loan lenders we feature on our site are this type of a lender. They do not check the credit score or reports of applicants with the 3 major credit bureaus, which makes them different from traditional lenders.
The list of online direct payday lenders that we provide sure can be called "bad credit payday loans direct lenders only". The reason is that even people with bad credit or no credit can apply for these loans and be approved, if they satisfy other requirements. These loans are not credit based, which makes it relatively easy for many people to be approved.
Since these loans are not credit based, generally lenders want to see an applicant satisfy a few basic requirements:
1. Employed with a consistent monthly income of at least $1000
2. Have a working checking bank account (so that the lender can put the loan money in there).
3. Be at least 18 years old (21 in a few states).
Yes, our lenders almost always can provide you bad credit loans with an instant decision. They provide you a decision instantly or almost instantly (usually within minutes). This way you know right away if you are approved and don't need to waste any time - it's all made for your convenience.
All of our direct online payday lenders offer bad credit loans. And for most people, it's fairly easy to get approved even with bad credit, as long as they are employed with a consistent income and satisfy a couple of other basic requirements. However, nobody can guarantee approval because there are still some basic guidelines, like mentioned above, that you must meet to be approved. But it's generally believed that these are unsecured and fairly easy loans for people with bad credit.
Yes, you sure can. Direct payday lenders claim that since they are not credit based loans, they don't check your credit with the 3 credit bureaus when you apply, which means that even if you apply with more than 1 lender, there will be no harm to your credit report. Plus, just because you are approved, doesn't mean you have to take out that loan. If you are approved by several lenders, you can just choose the one with best terms.
No problem, in addition to payday lenders, we also provide you a list of online installment loans direct lenders. If you have some credit to rely on and you want a higher amount loan with a longer repayment term, this might be a better solution for you. Installment loans online direct lenders still offer you the convenience of applying on the internet and most applications only take 5 minutes.
No problem. If you want to see a list of online installment loans direct lenders only, just select the "installment loans" category on the 2nd step of the application process and on the next page look at the first list of lenders. Those are all direct ones. We also provide another list below that with installment loan matching services, just as an alternative.
Of course, you can consider all of our installment loan providers on the first list that we offer you as long term installment loans direct lenders. That's how these loans are different from payday loans - they are issues for a long term period of repayment. Plus, you can usually enjoy a much lower interest rate with these.
By their nature, installment loans generally require you to have some credit but many of the direct installment loan lenders that we feature can be flexible and consider various circumstances. If you are not sure, it still makes sense to apply with the lender that you like to see what options they may have for you.