Direct Payday Lenders and Direct Installment loan Lenders

Last update: 07/15/2024

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.

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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

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.

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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.