Payday Loans Direct Lenders Same Day Guaranteed Approval in March 2023

Payday Loans Direct Lenders Same Day Guaranteed Approval in March 2023

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Payday Loans Direct Lenders Same Day Guaranteed Approval in March 2023

Loans Compare

Lender
Details
LoanSolo
LoanSolo
9 / 10
lender.amount
$3000
APR
1.39-3.4%
lender.term
1-3 years
Pros
  • Ease of use.
  • Simple application process.
  • Large number of trustworthy lenders.
  • No fees.
  • Flexible loan terms.
  • High security.
Cons
    Not available in some state.
    Small maximum amount to borrow.
    No pre-qualification.
LoansAngel
LoansAngel
9 / 10
lender.amount
$2000
APR
4.99-20.49%
lender.term
2-4 years
Pros
  • Long-lasting presence online.
  • Good standing.
  • Customized offers based on applicants' individual needs.
  • A convenient website with easy registration.
Cons
    Not a direct lender.
    LoansAngel hides the WHOis information.
    The FAQ section could be more extensive.
Indylend
Indylend
10 / 10
lender.amount
$3000
APR
4.99-19.63%
lender.term
2-6 years
Pros
  • Free to use.
  • Website's good quality and intuitive navigation.
  • Updated SSL encryption.
  • They don't check financial health.
  • Flexible conditions for different borrowers.
Cons
    Sometimes, customers have to wait for money for up to two days.
    Text messaging spam.
Greenlight Cash
Greenlight Cash
10 / 10
lender.amount
$3000
APR
4.37-24.99%
lender.term
1-2 years
Pros
  • Accepts first-time credit applicants.
  • Loans can be funded one business day after the borrower agrees with a loan offer.
  • Credit card consolidation loans provide direct payment to creditors.
  • Borrowers can select and adjust their payment date.
Cons
    An origination fee may be charged.
    Borrowers can only select between two repayment terms.
    There is no debt management mobile app.
Funds Joy
Funds Joy
9 / 10
lender.amount
$500
APR
4.99-19.99%
lender.term
2-4 years
Pros
  • One-stop solution for finding all lenders.
  • Easy 10-minute process.
  • Fast transfers.
  • Easy to navigate for new users.
Cons
    Not a direct lender.
    In case of late payments, Funds Joy will report a lower credit score to the credit agency.
    A borrower must earn at least $800 per month to be eligible for a loan.
Extralend
Extralend
10 / 10
lender.amount
$1000
APR
4.99-29.99%
lender.term
2-5 years
Pros
  • No additional fees.
  • Rates are competitive among available internet loan lenders.
  • Provides a 0.5 percentage point rate reduction for setting up autopay.
  • Satisfaction-guarantee service.
Cons
    There is no pre-qualification option on its website.
    Some lenders may ask for several years of credit history.
    ExtraLend isn't the direct lender, which makes the process lengthy.
Payoff
Payoff
6 / 10
lender.amount
$250
APR
5.99-24.99%
lender.term
2-5 years
Pros
Cons
Best Egg
Best Egg
7 / 10
lender.amount
$1000
APR
5.99-29.99%
lender.term
1-5 years
Pros
Cons
Upstart
Upstart
8 / 10
lender.amount
$1000
APR
4.37-35.99%
lender.term
3-5 years
Pros
Cons
SoFi
SoFi
6 / 10
lender.amount
$200
APR
4.99-19.63%
lender.term
2-7 years
Pros
  • The Company provides commission-free American stock and EFT trading without inactivity and withdrawal fees.
  • The process of creating an account is seamless, digital, and quick.
  • The support center offers relevant and helpful answers.
Cons
    The Company is only available to American residents.
    There are limited products.
    The research tools are not advanced.
LightStream
LightStream
6 / 10
lender.amount
$1500
APR
4.49-20.49%
lender.term
5-10 years
Pros
Cons
Wells Fargo Personal Loan
Wells Fargo Personal Loan
7 / 10
lender.amount
$500
APR
5.74-19.99%
lender.term
2-8 years
Pros
Cons
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here's how we make money.

Even with all their terms and conditions and interest rate baggage, loans are of great help in times of need. From educational, mortgage, and other long-term loans to short-term loans like payroll loans or online installments, borrowers have many options. Choosing the right loan for your requirements takes patience and understanding of these different types of loans.

You are on the right track if you want to look at a payroll or payday loan to borrow a small sum of money. Payday loans are short-term loans that help a borrower pay for small expenditures. Borrowers have to return the principal amount with interest through a portion of their paycheck two weeks later from the date of receiving the loan. You can also look at rollovers if you cannot pay the loan within this timeframe. This depends on the terms and conditions your lender decides when they agree to loan you the amount.

Why do people borrow payday loans? Well, there are quite a few reasons behind this decision, like bills and other mundane obligations. With a lower or compromised income, paying the monthly bills on time can become impossible at certain times. Even if you don't have adequate money for essential expenditures, you need to save some to pay your bills. Otherwise, you risk losing access to basic amenities like electricity and more if you don't pay bills on time.

Similarly, normal obligations like purchasing food and clothes can be difficult during hard times. Basic amenities are not universal or free - you have to pay to obtain these items. This is why low-income families or individuals end up taking a payday loans to keep themselves afloat.

Though by no means exhaustive, these are some reasons people avail of payday loans.

No matter why you avail of a personal loan, you need to visit the right person to help you get your hands on that money. Many people who frequently visit stores that offer such loans report that visiting a direct lender may be your best bet at securing the loan. You can even get paid on the same day if you require the money instantly instead of waiting for three to five days.

How much of this is true? Are direct lenders reliable for this type of loan approval? In this article, our financial experts dig deep to find data from reliable sources that come up with these answers. So keep an eye out to find whether you can truly avail 1 hour payday loans with no credit check from a direct lender.

What is a Payday Loan Direct Lender?

Before we get into the intricacies of how you can access the best 15 min payday loans from a direct lender, hang on. We need to understand what a direct lender is and does.

First off, as the name suggests, direct loan lenders are a source from which a borrower can avail of a short-term loan like payday loans. A direct loan lender does not use a broker or third party to function. Instead, the lender accepts applications and gives their stamp of approval for a loan. The lender also oversees the allocation of funds, distribution of the loan, and collecting of the repayments themselves.

Going to a direct lender is your most profitable bet if you wish to get the best payday loans. They know the best rates available in the market. In addition, reliable direct loan lenders won't shortchange you on the loan terms when you apply for one.

You can take a look at the advantages of visiting a direct lender for all your payday loan requirements below:

  • Great Terms: Are you looking for the best payday loans a direct lender can offer you in the current market? You are in luck. Direct lenders are always conversant with the ups and downs of the economy. This is why you can get fantastic terms from direct lenders instead of brokers. Get the cheapest bad credit guaranteed approval payday loans from a direct lender today.
  • Quick Approvals: Do you need 15 min payday loans? A direct lender is your best shot. Direct lenders understand that payday loans are a necessity that people need instantly. That is why you can apply for emergency payday loans from your direct lender.
  • Instant Loans: Acquiring 1 hour payday loans with no credit check from a direct lender is no longer impossible. You can even get approvals in 15 minutes from the right lenders. You can get instant approvals without credit checks in practically no time at all.
  • Convenient: Direct lenders offer loans at the convenience of the borrower. You can get cash advance loans online as well as payday loans from a direct lender.
  • Better Option: Unlike traditional financial institutions, direct lenders are more likely to approve loans. You can even go for 2nd chance payday loans from a direct lender that would have been unthinkable with traditional banks.

These are just some of the benefits of accessing easy payday loans online from a direct lender. Next, let us get into the various facets of direct lenders.

Payday Loans Online for Bad Credit Direct Lender

Poor credit is something that can considerably reduce a person's chances of acquiring any type of loan. You see, bad scores determine whether a potential borrower is a liability or not. Studies show that people with low scores are more liable to default on their repayment than people with excellent or eleven average scores. That is why credit checks are such an essential part of the duty of lenders.

However, if you have bad credit but want to acquire quick payday loans from a direct lender of your choice, have no worries. There are plenty of poor credit payday loans that you can borrow from a direct lender. Luckily, lenders do not conduct a hard check, unlike traditional banking institutions. All you need is to be at least 18 years of age, an American citizen, and have an active bank or credit union. If you can meet these basic requirements, you are good to go.

Guaranteed Direct Lender Payday Loans

A loan is a necessity over luxury for anyone who needs funds. Therefore, a guaranteed payment sounds nice. However, in reality, that is hardly ever the case. Even with excellent credit scores, if a borrower falls short somewhere during the approval and other processes, the financial institution may reject the application. Therefore, three is no sure-ire method to ensure that a bank will guarantee your loan.

However, the odds of receiving approval on a loan request are considerably higher with a direct lender. Even with the cheapest bad credit guaranteed approval payday loans that a direct lender advertises, there is a small silver lining of the possibility that you may not be approved. You can improve your credit score and input accurate information on your application form. While these will definitely boost your chances of receiving a loan, unfortunately, there is no guarantee.

Do Lenders Perform Credit Checks?

As we have discussed, credit checks are an integral part of the loan application and approval process. This is how financial institutions weed out the liabilities from the borrowers who will make good on the repayment plan. However, with small-term payday loans, you may be in luck.

Bad credit scores do not matter much to payday lenders. You do not need an excellent credit score as long as you meet the requirements and earn at least $1000 per month. Therefore, direct loan lenders do not conduct hard credit checks on those who apply for short-term payroll loans. On the contrary, you have the opportunity to improve your credit score every time you pay your loan back promptly on the due date.

With innumerable bad credit payday loans available from a direct lender, you can take your pick even with a terrible credit score. Therefore, you can safely look for bad credit payday loans from a direct lender.

No Verification of Payday Loans

Are you worried about verifying your employment details when you go for a payday loan? Well, forget your concerns. Now, you can get payday loans with no credit check and no employment verification from a direct lender. Direct lenders do not let bad credit scores affect borrowers' chances of securing a payday loan. Your lender may check whether you can pay the loan back, but this information stays confidential between them and the borrower.

You should look for specific payday loans online with no credit check that a direct lender offers. It will help you secure the amount you need without coming across impossible terms like verification checks.

How Do I Apply For a Direct Lender Loan?

After reading all these pros of applying for bad credit payday loans from a direct lender, we bet that you would like to apply from such a source. But did you know that the loan application for the cheapest bad credit guaranteed approval payday loans from a direct lender is a truly simple process? Yes! Applying for one from direct lenders takes absolutely no time.

Here is how you can apply for a direct lender loan:

  • Choose a lender: The first step is perhaps the most important one for getting a loan from a direct lender. You have to weed through the countless offers and find a direct lender whose terms work for you. You see, there are too many organizations or individuals waiting to prey on people who go for payday loans. That is why a borrower must be very careful when choosing a direct lender. You should go for reliable lenders. Avoid those who offer terms that are too good to be true. They are usually scams waiting to begin operations on their prey.
  • Take a Look at the Requirements: If and when you find a good direct lender, you must look at their terms and regulations. For example, many direct lenders require a borrower to be a US citizen of at least 18 years of age with a source of income and social security number (SSN). You should ensure you can meet these requirements before you strike up an agreement with your direct lender. If not, look for another lender. The inability to meet any criteria once you withdraw the loan can land you in great trouble later onward.
  • Fill Out the Application Form: Once you go through the above steps, you will need to fill out an application form. You can do this by visiting the store under the lender's name. You can visit the website if you want to go for easy payday loans online from your direct lender. Select the 'Apply Now' option. Fill it out with the necessary details like your name, address, bank details, etc., and submit it. Go through what you write and make sure it is accurate.
  • Wait for Approval: This step takes patience. While direct lenders are faster than traditional banks, you may still have to wait a while before your loan application goes through. You can request a timeframe from your lender if there is no official mention of the same.
  • Get Your Money on Approval: If your lender approves your loan, you will receive the money within 24 to 48 hours. Some lenders even offer to pay you for the hour or minutes after approval. The lender will deposit the money into the account that you share on your application number. You may even request cash if you visit the store in person.

Frequently Asked Questions

  • If you are wondering whether a lender will approve your loan application even with a bad credit score, you can rest easy. Payday direct loan lenders can work with borrowers with bad credit. People have a better chance of getting the best payday loans from a direct lender with poor credit than from a broker or traditional financial institution.

    You need to look up 'bad credit payday loans direct lender' on a preferred search engine browser. Select the one with the most favorable reviews and apply for a loan now. Go for direct lenders who specifically work with people who have bad credit. Then, get yourself the best bad credit payday loans from a direct lender of your choice.

  • There are millions of direct lenders to whom you can turn for your payday loan needs. Whether you go for an online or a face-to-face setup, the best direct lender is the one who is willing to consider your needs.

    To find the best direct lender for bad credit, you need to figure out what exactly you can work with under the legal terms. After all, a loan does not mean that you get the money and pay it back whenever you feel like it. To find the best lenders:

    • Evaluate what terms feel good to you.
    • Compare direct lenders and choose the one you feels complies with your needs.
    • Make sure it is also popular and has good feedback from other borrowers.
  • When you apply for a short-term loan like a payday loan, you might face something called an affordability check. Have no worries - it is part of the loan application process. Although it sounds ominous, an affordability check helps not only the direct lender but also the customer.

    A lender may conduct an affordability check to approve or reject your loan application. If they do approve it, they will set out terms so that the borrower can comfortably pay off the loan when the time comes. The check not only ensures whether you can pay off the amount. It also lets the lender career to your needs and curate a loan term that will suit you.

  • Every direct lender has requirements of their own when it comes to lending payday loans to people with poor credit and bad credit history. This ensures that they can still turn a profit even if the borrower defaults during the repayment plan.

    Before you check-in for poor credit payday loans from a direct lender, make sure to read all the necessary terms and conditions before. It will help you avoid any legal trouble you may otherwise face later on in the process. Keep all necessary documentation and identification papers with you when you apply. You may need to scan this data as proof. The application process barely takes five minutes to complete. You can learn their decision to approve or reject your application in as little as under an hour.

What our customers are saying

Catherine Jones
Catherine Jones
9 / 10
EmpireFinance has low-interest rates and great loan offers. And no week-long waiting. You'll get the loan after providing your details and identity verification.
Jeff Gray
Jeff Gray
10 / 10
Do you find it hard to cover your expenses before payday? Here's the solution: Empire Finance. You don't even need to do any paperwork to receive money!
Stephanie Smith
Stephanie Smith
9 / 10
Finding a trustworthy lender is hard. You don't want your bank details to get into the wrong hands. So I was amazed to receive the loan from Empire Finance so quickly.
Anthony Griffin
Anthony Griffin
10 / 10
Quick and helpful support staff. Plus, the online service makes receiving the loan super easy. It won't fix your financial issues but helps for a month-end solution.
Andrea Hooper
Andrea Hooper
9 / 10
Lending was easy, and the money helped a lot. It paid for an essential bill. I will surely take advantage of Empire Finance the next time. I hope they'll start giving promo codes.