[Last update: 2018.22.07]

jora personal loansGet a Loan Fast. In a bind? Apply now for a Jora loan and you could get $500-$2,600 by the next business day. Plus, our loans have no hidden fees.

  • Loan Amount: $500 – $2,600
  • APR: 186% – 349%

How Is Jora Better Than Other Lenders?
As one of the best alternatives to payday lenders, our customers have the flexibility to repay the loan over a duration of time that makes sense for their lives and budget. Unlike many traditional banks, with Jora you have the choice of paying off your loan over several installments, or all at once at any time without a prepayment penalty.
For example, a $2,000 loan with an Annual Percentage Rate (APR) of 230% has 48 bi-weekly payments of $179.54. The actual number of payments required for your loan will be based on your loan amount and your pay schedule. For your convenience, we attempt to link you loan payment dates to your pay dates.


BadCreditLoans lenderBad Credit Loans – A perfect spending history simply isn’t possible for many American households, especially in times like these.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $500 – $5,000
  • Repayment terms: 3 – 36 months

Personal loansPersonal Loans offer greater flexibility with how much a person can borrow giving you the opportunity to be qualified for as much as $35,000.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $500 – $35,000
  • APR: 5.99% – 35.99%
  • Repayment terms: 3 – 72 months

Cash AdvanceCash Advance® provides a free service that aims to quickly connect customers with lenders that offer loans that may work for them.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $999 or more
  • APR: 15% – 1,564%
  • Minimum Monthly Income: $1,000
  • Repayment terms: 7 days – 12 months

check city loansCheck City is a direct lender based in Orem, Utah, that operates in all states. If you visit thier storefront, you could get cash within the same day.

  • Credit Score Range: 300 – 650
  • Bad credit: OK
  • Loan Amount: $100 – $2,500
  • Loan Fee: $20 – $100
  • APR: 182.5% – 912.5%

How Is Check City Better Than Other Lenders?

CheckCity.com also provides services such as check cashing, installment loans, title loans, gold buying tax services, insurance, and prepaid debit cards. They also offer a preferred member program (only available to Utah customers) that gives clients who take over five loans a 10% discount and a 15% discount to clients who take over ten loans.


Lending point personal loansWhen you tap that ‘Apply’ button, you’re in good company. In 2017, more than 2 million people applied for financing with LendingPoint.

  • Credit Score Range: 600 – 699
  • Bad credit: OK
  • Loan Amount: $3,500 – $25,000
  • Loan Fee: $0 – $6
  • APR: 15.49% – 34.99%
  • Repayment terms: 24 – 48 month

How Is Lending Point Better Than Other Lenders?
Lending Point has loaned more than $391 million throughout the USA. In the past 30 days, they offered more than $740 million to applicants. Very professional and customer oriented personal. Everything is done electronically so makes the process faster. It usually takes 24-48 hours to have funds deposited to your account.


Paycheck loans - Same Day Payday loansPaycheckLoans is a lender matching site that operates in most states. PaycheckLoans is the easy way to find the cash you need when you need it.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $5,000
  • APR: 200% – 1,386%
  • Repayment terms: 3 – 36 months

Samedayloans TexasPaycheckLoans is a lender matching site operating in Texas. SameDayLoans may be able to match you with a lender that can help.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $5,000
  • APR: 200% – 1,386%
  • Repayment terms: 3 – 36 months

americash direct payday Texas loansAmericashLoans Apply for the Online loan that best fits your needs. AmericashLoan is committed to working with direct lenders to provide you the same day loan.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $5,000
  • APR: 200% – 1,386%
  • Repayment terms: 3 – 36 months

lendupWe believe credit can provide peace of mind. So our vision for our customers in eligible states is universal access to credit that expands over time.

  • Credit Score Range: 450 – 650
  • Bad credit: OK
  • Loan Amount: $100 – $250
  • Loan Fee: $17 – $44
  • APR: 214.13% – 917.71%
  • Repayment terms: 7 days – 1 month

How Is LendUp Better Than Other Lenders?
LendUp provides borrowers who regularly borrow from payday lenders the opportunity (where available) of gradually improving their rates and terms. As you climb “the Lendup Ladder” by paying off your loan and taking out new ones, you earn access to more money at better rates for longer periods of time. This type of loan can be reported to credit bureaus.
Another real advantage is that it doesn’t have loan rollovers, which protects customers from falling into a cycle of debt.


AmericashLoans Loans you need, when you need them. USA Payday Loans works with the best lenders in California to provide the best possible service.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $5,000
  • APR: 200% – 1,386%
  • Repayment terms: 3 – 36 months

LoanNowAs a direct lender, LoanNow can be a financial lifeline – providing personal installment loans that give you the time you need to pay them back.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $1,000 – $5,000
  • Loan Fee: $15.49 – $375
  • Minimum Monthly Income: $1,000
  • APR: 29% – 229%
  • Repayment terms: 9 – 48 months

EZPAYDAYCASHEZPAYDAYCASH A Faxless Payday Loan Direct Lender. We are not an online loan matching service. We are a direct cash advance lender no third party.

  • Credit Score Range: 300 – 650
  • Bad Credit: OK
  • Loan Amount: $200 – $1,000
  • Minimum Monthly Income: $1,000
  • APR: 365% – 1564.28%
  • No operations in Oregon, California, and Washington

How Is EZ Payday Cash Better/Worse Than Other Lenders?
EZPaydayLoans.com is known for having a bad record with financial regulation authorities for operating in states where it is not licensed to do business. The interest rates are outrageously high, even for a payday loan. It has an ‘F’ with the Better Business Bureau for its high number of unresolved complaints.


gadcapitalGADCapital.com is a loan merchant aggregator bringing together top micro-loan lenders under one platform.

  • Credit Score Range: 300 – 700
  • Bad credit: OK
  • Loan Amount: $100 – $1,500
  • Loan Consolidation: OK
  • Monthly Income: $1,300 (Installment loan)
  • APR: 390% – 780%
  • Repayment terms: 7 days – 18 months

CashAmericaTodayCashAmericaToday, as a legit online direct lender can help you obtain fast cash during sudden financial emergencies.

  • Credit Score Range: 300 – 840
  • Bad credit: OK
  • Loan Amount: $100 – $1,500
  • Loan Fee: $13 – $102
  • APR: 235.58% – 533.4%

How Is Cash America Better/Worse Than Other Lenders?
Cash America is an active member of the Community Financial Services Association, and follows their code of best practices. They only allow a maximum of 4 loan rollovers and give borrowers the option of entering an extended payment plan. The application process is a fast and easy, but its interest rates are very high.


More direct lender payday loans are added to our database all the time!

With the increased State and Federal financial regulations, we removed certain lenders that had been providing online loans for years. There are a lot of companies that offer direct payday loans no third party decided to stop lending for the time being. This usually happens because the U.S. government issues regulations and strict scrutiny for short term loan companies. Therefore, most of the leading direct payday lenders are going to start lending later this year 2018.

Also we should soon see several new payday loan direct lender online services in the list in the first half of 2018. We’re already beginning to see a few new installment lenders offering loans to clients that wouldn’t have been eligible because of a bad credit several months ago.

Online direct payday lenders have to limit issuing their loans in a limited number of states. That is the reason why we’ve need to list those states where the lenders are able to offer their loans. We’ve listed these states as an interactive infographic image to make it easier on our visitors.

As you can see from the picture above, it is difficult to get a payday loan in states like: Arizona, Arkansas, Georgia, North Carolina, West Virginia, Maryland New York and so on to the East coast. Although it’s easy to get a payday loan in states like California and Texas. This is because some states are more aggressive in how they regulate online payday lenders.

Please, don’t hesitate to email us if you are aware of any direct payday or installment companies or state specific lenders that aren’t included in our list or if there are any companies that are in fact not direct payday lenders, no third party, bad credit.

Get back soon to check again for more new direct payday lenders that offer online personal loans and installment loans. In fact we are already building a new list of Direct Payday Loan Lenders 2018!

Requirements for Getting Direct Payday Loans

  • Must be at least 18 years of age
  • Have a regular income
  • Valid bank account
  • Physical address

It is important to remember that getting payday loans makes sense only as temporary solutions to your financial troubles. It is highly recommended to try to improve your credit score.

Always compare the interest rates

It is wise to choose a payday loan with as low interest rate as possible. You should understand the terms and conditions before getting loans to avoid disappointments. Also, high interest rates may be harmful to your credit score, especially when you don’t commit to the timely payments.

Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

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