Online Payday Loans From Direct Lenders
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Online payday loans are a fast financial solution in times of need, especially if your credit score is not perfect. Here are five things you need to know about this type of loan:
Online payday loans usually:
- Are unsecured
- Don’t exceed $1000
- Should be paid off within a few weeks
- Have a higher interest rate
- Are easy to get from direct lenders with any score
If you think this is what you need, submit a loan request today and connect with one of the best direct lenders from our network for free. And why are direct lenders better than other lending options?
The most significant advantages of getting a loan from direct lenders include:
- More relaxed eligibility criteria
- A fast and straightforward approval process
- No extra fees for the third parties services
Getting A Loan From A Direct Lender Step-By-Step
To enjoy all the benefits of direct payday loans, you can request a loan online and save time and effort.
With GetCash, there is no need to leave your home, adjust to a lender’s working hours, or puzzle over how to choose from various online lending platforms. Although we are not a lender and do not provide loans, we have a vast network of vetted online direct lenders with which we can connect you in minutes.
Here is how it works:
- Fill in an online form on GetCash.com
- Wait a few moments until we connect you to a lender.
- Get a loan offer and familiarize yourself with the details.
- Accept the loan if everything seems clear and you agree with the proposed terms.
- Receive your money as a direct deposit into your bank account as soon as in one business day.
Although the requirements lenders evaluate to approve a loan may vary, a payday loan is characterized by a lower credit score needed. Besides, to apply for a loan, a borrower typically should:
- Be at least 18 years old
- Have a valid bank account in their name
- Provide contact information (email address and active phone number)
- Be employed at their current job for at least 90 days or have another source of regular income, including social security benefits, pension income, investment income, etc.
Alternatives to Direct Payday Loans
If you believe that a payday loan is not the best solution at the moment, you can check out several other types of loans available through direct lenders. These loans have different terms and interest rates, so you’ll likely find what you need.
Installment loans
An online Installment loan is repaid monthly in fixed installments + interest. You can use such a loan for multiple purposes, from closing a large medical bill to renovating your house.
If you have a mediocre credit score and need more than what a payday loan can provide, you can look for direct lenders for installment loans with GetCash.
Title loans
Title loans are secured loans that require you to use your car or other property as collateral. This means you’ll pledge the car you own and receive money based on its value. Usually, title loans will get you up to 50% of the car value, but terms vary from one lender to another.
This is a good option if you have a poor credit score and don’t want to involve a co-signer. You’ll get instant cash and enjoy more convenient repayment terms than payday loans.
Tribal loans
Tribal loans from a direct lender are another convenient option to check out if you have a low credit score. As the Constitution of the United States recognizes tribal lands as sovereign nations, the lenders operated by the Native American Community can offer their loan terms, rates, etc., regardless of federal laws.
This type of loan might sometimes be a better option compared to others, as some lenders might give you a larger amount than traditional payday lenders regardless of your credit.
Direct Lenders — Best Option For A Bad Credit Borrower
Even though any loan can’t be guaranteed due to mandatory credit checks, bad credit is not necessarily a barrier to getting one from direct lenders.
Many of our lenders can meet your needs. Even if you missed some payments in the past and now have a 400-450 credit score or don’t have a credit history at all, like 26 million people in the US, you can still find a direct lender to get a payday loan through our form. Keep in mind that different lenders have different terms and requirements. Some may ask for additional documents, a downpayment, or filling a request with a co-signer.
Additionally, you’ll still go through some form of credit check, as no credit check loans do not exist. Your current credit will determine the loan terms, the APR, and the final loan amount.
Direct Lenders — Best Option For A Bad Credit Borrower
Even though any loan can’t be guaranteed due to mandatory credit checks, bad credit is not necessarily a barrier to getting one from direct lenders.
Many of our lenders can meet your needs. Even if you missed some payments in the past and now have a 400-450 credit score or don’t have a credit history at all, like 26 million people in the US, you can still find a direct lender to get a payday loan through our form. Keep in mind that different lenders have different terms and requirements. Some may ask for additional documents, a downpayment, or filling a request with a co-signer.
Additionally, you’ll still go through some form of credit check, as no credit check loans do not exist. Your current credit will determine the loan terms, the APR, and the final loan amount.
Find Direct Payday Loan Sites
Now, there is no need to surf through direct payday loan sites one by one. With GetCash.com, you can get connected to vetted online direct lenders in minutes (IT’S FREE!) and enjoy the following benefits:
- Quick and smooth loan request process
- Vetted lenders only
- Wide range of borrowing options
- All credit scores are welcome
- Loan approval as fast as in one business day
- Free service, regardless of the number of requests you make
We cannot promise no-denial payday loans (as lenders consider each loan application on a case-by-case basis only), but our vetted direct lenders strive to meet any potential borrower’s needs and circumstances.
Whatever your credit score is, you can use GetCash to access reliable online lenders and make the loan request process faster and easier.
FAQ
What is a direct lender?
A direct lender is a private entity or institution providing loans directly to borrowers without involving brokers or other intermediaries.
Can direct lenders from your network guarantee no denial of payday loans?
While we partner with a vast network of lenders, nobody can guarantee you’ll be 100% approved for your payday loan. Some lenders may deny your request for several reasons, while others will work with you to get you the financial help you need.
How to get a payday loan from a direct lender with bad credit?
Many lenders in our network are willing to give you an offer regardless of your current credit score. Start by submitting a loan request online to get connected with a lender as quickly as possible.
I've been declined a loan, are there direct lenders in your network that offer 2nd chance loans?
Even if you have already been denied a loan, you can still submit a request via our form and get in touch with a lender that will send you another offer. What’s more, you can resubmit the request for as much as you like until you receive a good offer.
Can I get an online loan with instant approval?
No loan can be approved before the lender considers a particular application according to their loan eligibility criteria and runs a mandatory credit check, evaluating the borrower’s creditworthiness.
How to get a direct loan without a bank account?
Unfortunately, getting a loan is impossible if you don’t have a bank account. You’ll need an account so that the lender can fund you. If you don’t have any, you might get an option to open it with an affiliate bank.