15+ List of Direct Payday Loan Lenders Weekly Updated!

Apply online or in-store! Direct lending online or at our stores, Check Into Cash makes it fast and easy for you to get the cash you need now. As a direct lender, Check Into Cash does not sell your information to any third parties or involve any extra steps with the lending process.

• Payday Loan Amount: $50 – $1,000 Varies by State
• Installment Loan Amount: $500 – $3,000 Varies by State
• Title Loan Amount: $1,350 – $25,000 Varies by State
• Typical APR: Varies by states
• Loan Fee: from $7 Varies by State

How Is Check Into Cash different from the other lenders?

Check Into Cash is a financial services provider with more than 1,200 stores in 30 states. It was founded in 1993 by W. Allan Jones in Cleveland, TN, where the company headquarters are located today. See the Check Into Cash locations on the map.
Apply for a short-term loan with Check Into Cash and learn if you’re approved in a minute.

• Apply for a Check Into Cash loan despite having bad credit as long as you have the ability to repay
• Check Into Cash doesn’t place limitations on how you can use the loan
• Check Into Cash informs you of your application’s status in less than a minute. After approval, expect the funds to be deposited as soon as the next business day.

Review Check Into Cash what to watch out for

• Payday loans come with high service fees and finance charges, but Check Into Cash outlines how much you’ll have to pay in the loan offer document.
• If you make a late payment or miss one entirely, you can be charged extra fees.
• Make sure you can repay the loan before taking it out, or you may find yourself owing much more than you borrowed.

Online Payday Loans available in the following states: AL, AK, CA, DE, FL, HI, ID, IL, IN, KS, LA, MO, MS, NV, OR, TN, TX, UT, WA, WI, & WY
Installment Loans available in the following states: FL, OK, MO, MS, WI

Get 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%

Benefits of an installment loan from Jora

• 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.
• Jora also offers its users a series of budget and career planning tools under its Allay program that can help you determine how you can shape your future financial situation.
• You can apply with Jora even with Bad Credit because it makes the decision on more than just your credit score.

Possible drawbacks

• Frequent repayments.
• Sometimes loan funding can take several days.
• High costs. Like any installment loan, you will be facing high-interest rates, but you can pay off your loan early without any penalty charges.
• Available only in 9 states as of March 2020.

What is Jora?
Jora offers installment loans between $500 to $2,600, although some states have varying minimums. Jora doesn’t require you to have a minimum income and doesn’t limit your income to what you earn from a job, unlike some other installment loan lenders. If you have disability, retirement, unemployment checks, etc you can always qualify for a loan.

How to apply for an installment loan through Jora?

Eligibility criteria. You must:

• Be at least 18 years old (19 in Alabama)
• Have a regular source of income
• Have an email address
• Have an active checking account
• Be a resident of any of these states: Alabama, California, Delaware, Idaho, Missouri, New Mexico, North Dakota, South Carolina, Utah, and Wisconsin.
• Supply a driver’s license number to confirm your state of residence.

Jora Credit actual Google reviews

Read all the reviews and feedback on experience with the Jora Credit.

Currently licensed to lend in the following states: UT, MO, ID, SC, DE, WI and ND.

When 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: $2,000 – $25,000
• Loan Fee: $0 – $6, no fees for early payoff
• APR: 15.49% – 34.99%
• Repayment terms: 24 – 48 month

How Is Lending Point Better Than Other Lenders?

• Quick deposits, once approved, it usually takes 24-48 hours to have funds deposited to your account.
• Lending Point is an Atlanta-based direct lender who 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.
• 100% paperless online process. Submit application, upload documents and receive funds in your account upon approval.
• Online calculator. Find out how much you’ll repay, and work out repayments based on the amount you’d like to borrow and the loan term.
• Check your offer without affecting your credit score.

Review Lending Point what to watch out for

• High rates. Any loan you qualify for with a low credit score is going to have high rates compared, expect an interest rate around 15.49 – 34.99%.
• Bi-monthly repayments. You have to make them twice a month.
• The origination fee ranges from 0% to 6% and is supposed to cover the cost of setting up your loan. You can pay it upfront or spread it across the loan period.
• Late repayment fee up to $30 for late payments.

Who is eligible to apply for a LendingPoint loan?
Here are 6 important requirements before you can get a loan with LendingPoint:

• You must be at least 18 years of age.
• You must be able to provide a U.S. federal, state or local government-issued photo ID.
• You must have a social security number.
• You must have a minimum annual income of $20,000 (from employment, retirement or some other source).
• You must have a verifiable personal bank account in your name.
• You must live in one of the states where LendingPoint does business. As of November 2019, we are in 32 states and the DC, and growing.

CashNetUSA has been lending since 2004 and is part of the publicly-traded company Enova International, Inc. (NYSE:ENVA). We’re driven by our mission to help hardworking people get access to credit.

• Credit Score Range: 300 – 650
• Bad credit: MAYBE OK
• Loan Amount*: $100 – $3,400
• Loan Fee*: $17.00-45.00 per $100.00 borrowed
• APR*: 201.32% – 1,140.63%

How Is CashNetUSA Better Than Other Lenders?

Since 2004, CashNetUSA has provided emergency funds, cash advances and short-term loans to more than 3 million hardworking Americans. Not all online lenders are made equal, and when you’re looking for emergency funding, you want a lender with a proven track record.

Benefits of a loan from CashNetUSA

• CashNetUSA has a special discount program designed to help you save! You get access to hundreds of coupons and other deals on dining, shopping, things to do and more.
• With our free online financial courses, you can expand your financial knowledge in no time. Topics include emergency savings, credit scores and reports, and more.
• You can use the money you receive through a CashNetUSA payday loan any way you want to with very few exceptions.
• No collateral. Since these loans are unsecured in nature, CashNetUSA doesn’t require you to provide any kind of collateral.

Possible CashNetUSA drawbacks

• High APRs range from 201.32% to 1,140.63%
• Does not offer “bad credit” lines of credit

What does CashNetUSA offer?
CashNetUSA offers:

1. Payday loans up to $1,800*
2. Installment loans up to $3,400*
3. Lines of Credit:
   • Alabama $2,000
   • Idaho $1,000
   • Kansas, Utah, Virginia up to $1,800
   • Tennessee $1,800 (Flex loans)
   • South Carolina up to $1,400

How to apply for an installment loan through Jora?

Eligibility criteria. You must:

• Have an active checking account
• You must have a verifiable, steady source of income
• Must be a US citizen or permanent resident
• Must be at least 18 years old**

*Varies by state. CashNetUSA or a third-party lender uses various credit reports, data sources, and applicant information as part of its underwriting. Not all loan applications or extension requests are approved or receive the maximum amount permitted under state law. Not all instant decisions result in a loan approval.
**Must be 21 years of age for Mississippi residents and 19 years of age for Alabama and Delaware residents.

Last verified Mar 31, 2018
Cash Net USA is currently licensed to lend in the following states:
Payday Loans: Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, Texas, Washington, Wyoming.
Installment Loans: California, Delaware, Illinois, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Texas, Wisconsin.
Lines of Credit: Alabama, Idaho, Kansas, Tennessee, Utah, Virginia, South Carolina.

Check City is a direct lender based in Orem, Utah, that operates in all states. If you visit their 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.

We 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.

As 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

EZPAYDAYCASH 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.

GADCapital.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

CashAmericaToday, 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.