15+ List of Direct Payday Loan Lenders Weekly Updated!

Direct Payday Lenders and Direct Installment loan Lenders

Last update: 06/01/2023

Below is a list of Direct Lenders that directly provide consumers with loan offers that may work for them. You may click on the lender’s title to hide/show in the list. It is a weekly updated list of the actual payday lenders and installment loan lenders that are currently lending in the US.

Get pre-qualified now!
You can also jump straight to Non-direct payday lenders

Or you may want to check out our new page for the list of direct tribal lenders

Check Into Cash

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.

🔎 Click on the image

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

Click to enter the direct lender website

Lending Point

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.

Click to enter the direct lender website


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.

Click to enter the direct lender website

>>>Get 15% off initial CashNetUSA Loan fee (Click to open)<<<

Copy and paste this code: A15CASH
Get 15% off on your initial loan fee for direct payday loans or brokered loans; get a 15% rebate on your first two payments for installment loans or installment-payday loans; or get a 15% rebate on actual Credit Access Bureau fees paid for installment loans in states where CashNetUSA partners with a third-party lender. Conditions apply.

Check City

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.

Click to enter the direct lender website


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.

Click to enter the direct lender website


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

Click to enter the direct lender website


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.

Click to enter the direct lender website


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

Click to enter the direct lender website


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.

Click to enter the direct lender website

Payday and Installment Loan Matching Services (Non-direct lenders)

Below is a list of loan brokers and companies that provide a free loan matching service that aims to quickly connect customers with direct lenders that offer loans even with bad credit that may work for them.

Bad Credit Loans

Bad Credit Loans – A perfect spending history simply isn’t possible for many American households, especially in times like these. We can help when others can’t!

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

Why you should consider Bad Credit Loans

  • If you find the fees to be too high, you are under no obligation to accept the contract.
  • You can get approved for a loan almost immediately after application
  • Filling out, submitting, and approving the application is free.
  • The approved loan can be deposited into your bank account as quickly as the next business day.
  • BadCreditLoans.com keeps its requirements minimal so that even borrowers who wouldn’t normally be approved elsewhere could get a loan.

Watch out for

  • The website claims that its lenders offer APRs of up to 35.99%, some payday lenders can have interest rates even over 1,200%.
  • Cash advances can add hundreds of dollars in fees to the original cost of the loan.
  • If you take a loan that you can’t repay, you may need to refinance or roll over the remaining amount.
  • There are no fees to apply, but the lender you’re connected with may charge fees in addition to interest charges.

Bad Credit Loans offers a free service connecting you with lenders that will present their loan offer to you with no obligation of having to accept the offer. The website offers more than just loans. Try visiting the news section to learn about the charity work and other great events that Bad Credit Loans takes part in. You can also educate yourself on any of the latest scams that may be out there too.

Applying for loans through BadCreditLoans.com is free. However, the loan provider you ultimately sign with will likely charge a financing fee on top of high-interest rates. You’ll have access to the complete charges of a loan before signing through a loan offer document. Along with the terms of the loan, this document lists any penalty fees and charges you might have to pay.

How to apply

Applying online is simple, and requires applicants to meet the following eligibility requirements:

  • Be an American citizen or a permanent resident of the US.
  • Be at least 18 years of age.
  • Have a source of regular income.
  • Have a checking account in your name.

The application is online, and requires the following information and documentation:

  • Full name, contact information, date of birth, and Social Security number.
  • Credit type, the reason for the loan, and loan amount.
  • Information from a photo ID such as a driver’s license or passport.
  • Bank account information.
  • Employment and annual income information.

Click to enter a loan matching website

Personal Loans

Personal 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

How Is PersonalLoans Better Than Other Lenders?
Peer-to-peer or P2P loan. It basically means that you will be borrowing money directly from a person or company, rather than the bank. Peer-to-peer loans ensure that borrowers are paired with individuals looking to invest in a detailed note.
Personal installment loan. The process is also quick and convenient. You can request a loan online by providing basic personal and financial information. Your lender or lending partner will provide you with a loan agreement individually tailored to your financial needs.
Bank personal loan. It provides one-on-one local service to borrowers who would like to request a loan in person at their local bank. First by phone or in-person and provide your personal information for the loan. Some banks even allow you to request a loan online as well. If you request a loan online you will likely be directed to the nearest local branch to complete the loan request process in person.

Click to enter a loan matching website

Cash Advance®

Cash 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

Why you should consider Cash Advance®

  • Lender’s website offers a Loan amount calculator that takes into account the APR so you can see how much repay compared to what you borrow. So If you pay your loan back on time, you’ll know exactly how much you’ll be charged.
  • CashAdvance.com has a huge network of nationwide cash loan lenders
  • You are free to decide what to do with the money from your cash loan.
  • Bad credit is okay – you can apply as long as you have the ability to repay.
  • You can complete the application in about 5 minutes, you can expect to hear from the lender in minutes. Once you accept the contract you’ll get the funds the next business day.
  • Repeat customers can log in to the CashAdvance.com and expedite the application process for subsequent loans

What to watch out with Cash Advance®

  • High APRs of up to 1,564%.
  • May sell your data as a lead to other lenders.

Cash Advance® has been a trusted resource for short-term loans since 1997, helping millions of consumers. While there are many companies dedicated to helping consumers get cash quickly, Cash Advance® stands apart by offering a unique level of customer care, security, and a brand that consumers can trust. Service Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan. We are a proud member of the Online Lenders Alliance (OLA), a national organization dedicated to promoting best practices in the online lending industry.

You can borrow up to $999 through a typical cash loan, but the maximum depends on governing state laws. If you can demonstrate that you can repay the loan, your credit history will not disqualify you from approval. You will have to repay the loan on or before your next payday, although you can seek extensions in certain states.

How you can apply for a cash loan through CashAdvance.com
Eligibility criteria:

  • At least 18 years of age
  • Permanent US resident or an American citizen
  • Steady job and earn $1,000 or more (after taxes) each month
  • Checking or savings account
  • Valid phone number and email address
  • Not reside in: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, or Vermont.

Required documents information:

  • Personal information including email address, birthday, and social security number
  • Employment status and your employer’s name and phone number
  • Monthly salary and the date of your next payday
  • Checking account details

Cash Advance® DOES NOT offer loans in the following states: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, N. Carolina, Pennsylvania, Vermont

Click to enter a loan matching website


LoanPioneer is a lender matching site that operates in most states. Request a loan up to $5,000 and get the funds by next business day!

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $100 – $5,000
  • Representative APR Example: $1000 loan over a 12-month term.
    Total cost, including interest, of $1,134.72.
    APR 29.82%.
    Rates between 5.9% APR and 35.99% APR.
  • Repayment terms: 3 – 36 months

Click to enter a loan matching website

Disclosure: We receive advertising revenue from some partners. Part of this revenue will be donated to the UNICEF®

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 2020.

Also, we should soon see several new payday loan direct lender online services on the list in the first half of 2020. We’re already beginning to see a few new installment lenders like Indylend 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 for our visitors.

Where in the US are payday loans legal?

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. We will continue building the new list of Direct Payday Loan Lenders 2020!

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 Repair Your Credit.

Always compare the interest rates

It is wise to choose a payday loan with as low an 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 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.

I didn’t get the loan. What’s next?

There are mayby many reasons why you didn’t get approved for a loan. While short-term loans are designed for people with bad credit, you still have to be able to afford the loan. Often, people are rejected because their financial situation simply can’t support the quick turnaround and high repayment of a short-term loan. If you need money quickly, Consider our 10 Top payday loan alternatives.

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