Payday Loans Online
Cash Advances up to $1,000 From Direct Lenders!
Easy online process!
Our online application is fast, secure and takes only 3 minutes to complete!
Bad credit loans? Yes, please!
People with bad credit score are really welcome to apply for payday loans!
Instant response? We got it!
You will get almost instant response from a lender after you apply!
The process of getting online payday loan starts from our application form. Our form is very easy and takes few minutes to complete! Note, that correct details would highly increase the chance of your approval! You can always contact our customer service for help you may need!
Wait for approval
Once application was submitted, it would be sent to numerous lenders in our network to get matched with. Online lenders provide almost instant decision so you will know if you are approved quickly! Bad credit is not a barrier to get matched, and you still may be approved!
Get your money
In case your application was approved, the lender will deposit the requested amount to your bank account. Usually it takes one business day, but you may get your funds even the same day! Use correct bank account details to avoid delays in electronic money transfer!
You will have access to your loan same day as it was deposited! Use your money wisely, only in financial emergencies, to pay for urgent expenses! Online cash advances are expensive, thus they are easy to get and light-speed fast. Borrow only exact amount of money you need!
DirectLoansLenders - Trusted and Industry Regulated Service
When trying to get a payday loan, the wisest thing to do is to compare and search online for a matching services. This will guarantee that you will get a lot of different offers from many lenders, so you can choose the suitable one. Still, while the government regulates short-term lending industry, there are some scam sites borrowers should be careful of. DirectLoansLenders.Com is a reputable and legit matching service for all types of online loans: payday, installment, personal. We can help you get a loan easy and secure, even if you have poor credit score.
Consider important things before applying for payday loans
Cash loans are easy to apply for and it might be convenient to get one right now. Before you sign the contract with one of our lenders, check out the following important things to consider:
- APR or interest percentage rate charged (remember some states cap the interest, but you might find the differences between lenders);
- Finance charges – the usual range is between $15 - $30 per $100 borrowed;
- The total amount owed;
- Loan term duration and due dates;
- Tiered fees, if applicable;
- Loan extension plans, if by any chance things won’t go as planned, possibilities of renewal;
- Consequences of failing to repay the loan;
- Any other terms and applicable conditions.
For the last years government has forced lenders to make the transparency a top priority and clearly disclose and state all their terms and conditions. Anyway, before you rush out, fill the application and give lenders your request details, use our FAQ section to make a small research. Remember, the more you information you check before apply, the easier would be for you to make a right decision. Five minutes asking questions and reading reviews can save you from troubles in future!
Compare online matching service with traditional in-store lenders
|Traditional, In-Store Payday Loans||Online Payday Loans|
|Not accessible 24 hours a day, on weekends and holidays||At DirectLoansLenders.Com online applicaton is accessible 24 hours a day, on holidays and weekends|
|Heavily, overcrowded pawn shops, long lines. The process of getting a loan is not private.||Absolutely private and descreet online process. No lines, no tickets. Fast and easy.|
|Sometimes rude or incompetent customer service. Staff is indifferent to your problems||We at DirectLoansLenders.Com are proud of our customer service! To provide quality and fast help - is our priority! Try us on!|
|Hidden fees, tricky terms and conditions, and other traps in fine print are possible||Clear terms and conditions, detailed explanation of all fees. You know exactly how much you have to repay|
|Only one lender to select from||With our matching service you may be matched with numerous direct lenders in seconds|
|Less competition for greater venues||Higher competition that influences the rates and fees|
|Long response time for your application||You can get instant decision from mached lender|
|Only payday loans are avalable||DirectLoansLenders.Com provides wide range of online loans: till your next paycheck, installment, for problem credit and for personal usage!|
|Low or even no information about responsible lending and borrowing. No warnings about the danger of payday loans.||Complete FAQ and Responsible Lending information. We take care of our customers and explain them all the dangers of irresponsible borrowing|
Prepare your documents and apply online
Now when you've done your research, it is time to prepare for online application process. Don’t worry, it is not complicated at all, but you should have all your documents in hands to speed up the process. Remember, that one of the best practices is to read the loan agreement before signing it. One of the benefits of short term loans is that they don’t do long credit checks, bad credit is not a big problem, requires no faxing or any other bugging things. Follow the application instructions and you’re set! If approved, you’ll be receiving the cash in a period of about 24 hours or even faster!
Basic requirements for getting online payday loans
DirectLoansLenders.Com is trying to simplify the process of getting cash advances through easy applications; speeding up the time between the application and receiving the money. Although the requirements are minimum, there are still some things you need to prepare before requesting. To qualify for online loan you must meet the basic requirements below.
You must be 18 years of age or older. Lender will never approve your application if you are younger.
Minimal Monthly Income
You must have verifiable source of income. Your income should be be at least $1,000 per month.
You must have an open and active bank account. You must provide correct checking or savings account and routing numbers to the lender.
You must have U.S. citizenship or be a permanent U.S. resident. Find information on getting online payday loans for Canada, UK, Australia, New Zealand.
You must use payday loans only in case of urgent financial emergency. Payday loans are not cheap, so don't borrow more than you really need!
All lenders have their own requirements and they may ask you for more details before providing a loan. Meeting these basic requirement doesn't guarantee your loan approval. Only lenders are responsible for your approval. Keep all the paperwork, emails, contacts, and any other information you receive from the lender. Also, save the website URL if you’ve signed online agreement. If any issue happens you can reach the lender immediately and sort it out.
Pay off your loan or apply for an Extended Payment Plan
Remember that payday loans are considered short-term loans intended to be paid at the next paycheck, usually 7-14 days after receiving credits. However, sometimes things won’t go as planned and it is normal that it will take you longer to repay the loan. Instead of incurring in more debt and asking for a second cash advance, approach your lender and work out an Extended Payment Plans. Lenders in states like Alabama, Alaska, Florida, Illinois, Michigan, Nevada, Oklahoma and Washington are required to provide Extended Payment Plans by law.
Cash advances are the tools to cover unplanned expenses if used correctly. Even though industry critics often cite these loans as overwhelmingly expensive, the truth behind them is that if they’re used correctly they are very valuable. At least 86% of the customers believe payday loans are a useful financial product, and more than 88% are satisfied with the service after using it for the first time. Take your time to research the information on our website and start using this tool responsibly to cover your expenses.
Legal information for our customers
Representative APR Range
This website is not a lender, but do help people to find lenders, who may approve them for the loans they need. Interest rates for payday loans can range from 212% to 1,890%, though it does depend on the overall length of the loan. It is important to keep in mind that short-term(payday) loans are generally meant to be paid back within a period of 31 days.
The fees associated with payday loans may vary from $15 to $30 for every $100 you borrow. Keep in mind that the APR range is not your finance charge, as that will be disclosed to you at a later date by the lender. You must read terms and conditions and other documents that are provided by the lender, before signing your name on a contract.
Implications of Late Payment
Failure to pay back your loan on time will result in additional fees and penalty charges. The exact amount of the late fees that you will have to pay will vary depending on the lender. You must fully understand the penalties, that are associated with late payments. By paying your loan back on time, you will be able to avoid late fees and other penalties altogether. All late fees and penalties that may be applied, will be laid out in the contract you sign.
Implications of Non-Payment
Financial Implications: Not paying back a loan will lead to serious financial consequences, including debt for the total amount of the loan plus penalty fees.
Collection Practices: Specifics of collection practices depend on the state you live in as well as the lender you get your loan from. Those who do not pay back their loan can expect to be contacted by a debt collection agency in an attempt to collect the money you owe for the loan.
Impact on Credit Score: Failing to pay back your loan according to the terms and conditions, will result in a negative mark on your credit report. Non-Payment, late payment will lower your credit score, as a standard in such cases.
Renewal Policy: Renewal policies vary from state to state. The lender that approves your loan will provide you with available loan renewal options before you formally accept the loan offer. You will need to take the time to read through the lender’s specific renewal policy before you agree to it.
Easy and effective
Fast payday loan
When I was having difficulty paying for the car repairs I needed to get done so I could get to work, DirectLoansLenders.Com helped me get the money I needed. After I filled out a short application, I received an email with a loan offer the same day. I was able to get my car fixed so I didn’t miss a day of work. Support was very helpful and answered all of my questions every step of the way. I honestly don’t know what I would’ve done without the loan that this business helped get me.
The service that this website offers may be simple, but it’s incredibly effective. I was able to get the $500 loan I needed to pay for an unexpected visit to the emergency room with no problems. I didn’t think I would be able to get the money in time, but to my surprise they came through for me. I have gone through a couple different companies and was declined, but this one in particular is definitely the best in terms of its overall effectives.
The reason I have used DirectLoansLenders to get my payday loans multiple times is because it saves me so much time and effort when it comes to finding the right lender. I am always amazed at how quickly they are able to find me a lender who will approve me for the loans I need. I have never had such a quick and pleasant experience when it comes to getting a loan, and I will definitely be using this service again in the future should I need it.
I recently needed a payday loan so I could pay off the remainder of my credit card debt, and Direct Loans Lenders made doing so very easy. I was expecting to encounter a lot of problems and roadblocks in getting approved for the online payday loan I needed, but that was not the case at all. The professionals at Direct Loans Lenders made everything clear so I understood exactly what was happening every step of the way. I have never had an easier time getting payday loan before.
The process of getting payday loan was simple, which is something I wasn’t expecting at all. The overall service I received was good, and I have absolutely no complaints. I was able to get the money I needed quickly and without much delay.
One of the best things about DirectLoansLenders’s service is that they provide excellent customer support. I had quite a few questions about how the entire process worked, and the representative I spoke with was all too happy to answer each one. Other than the incredible customer support, I found that the whole process of getting my online payday loan through this company was very easy and straightforward. I was a little worried about it being complicated, but I was definitely wrong. I received the funds I needed within less than 24 hours of signing the loan contract.