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Best Direct Lenders 2023: Compare Payday Lenders

We help you find the best payday loan from direct lenders. With you can:

  • View a list of direct loan lenders online
  • Compare rates from the best online direct lenders
  • Apply for a payday loan of up to $35,000
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List of Online Direct Payday Lenders in September 2023

Chosen 12836 times

$100 - $2,000

Loan amount

1 Day - 1 Month

Term of loan

91.52% - 630.13%

Lowest rate


Minimum age

Chosen 9565 times

$1,000 - $50,000

Loan amount

3 Years - 3 Years

Term of loan

9.56% - 29.99%

Lowest rate


Minimum age

Chosen 6617 times

$200 - $10,000

Loan amount

7 Days - 1 Year

Term of loan

15% - 1564%

Lowest rate


Minimum age

Chosen 3872 times

$50 - $5,000

Loan amount

1 Month - 1 Year

Term of loan

3% - 25%

Lowest rate


Minimum age


Chosen 16168 times

$5,000 - $100,000

Loan amount

2 Years - 20 Years

Term of loan

8.99% - 25.81%

Lowest rate


Minimum age


Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

How To Compare Direct Loans

Compare direct lenders with us first and save

How To Compare Direct Loans
Choose your loan amount

Select how much you would like to borrow

Compare available options

Filter the results based on your criteria and compare the best loan rates.

Choose an offer

Find the best direct loan for your loan needs.

Complete the application

Click Get Started to fill in your loan application.

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Online Loans from Direct Lenders

When you need a loan you typically think of banks. However, these days there are alternatives to banks that offer you direct loans at great rates, saving you time and money.

Direct lenders typically have a fast approval process, with online pre-approval and verification, making it easy to get a fast loan online.

We’ll take a closer look at direct lenders and how you can apply online for a direct loan of up to $50,000 or more.

What is a Direct Lender?

Online direct lenders give you access to the funds you need at competitive rates.

If you qualify, you can get a personal loan from that you’ll repay over a fixed term or a short-term payday loan that you can repay within a few weeks.

You can also apply for a car loan or even a line of credit with a direct lender online.

While you can also get a personal loan from an indirect lender like a broker, this could be a riskier move as you don’t deal with your lender directly.

Brokers may share your data with many companies and also add more fees.

With a quick application process and a fast payout, direct lenders online offer competitive loan rates.

List of direct loan lenders in the US:

CompanyOverall RatingTimes Chosen 
5KFunds4.259,405View Company
Happy Money3.6763View Company
PenFed Credit Union3.51,663View Company
SoFi4.514,145View Company
StiltN/A514View Company
Upgrade1.0859View Company


Why Compare Direct Lender Loans at

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Completely Free Comparison
Instant Results Without Credit Check
Instant Results Without Credit Check
Read Genuine Customer Reviews
Read Genuine Customer Reviews
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Find The Cheapest No Income Loan Rates

Payday Loans from Online Direct Lenders

It’s very common for most people to search online for direct payday loan lenders because of how fast the approval process is.

Depending on your situation your terms, conditions, rates, and fees will vary.

These factors include credit score, repayment terms, type of loan (payday loans, or personal loans), and general eligibility factors like employment status.

There are many ways instant payday loans can benefit someone with an urgent need for cash.

This type of direct lender loans can put money in your account the very same day, whereas traditional lending institutions may take long periods of time and require a lot of paperwork to deposit the same amount of cash.


Convenience is one reason why people choose instant loans over banks. It’s possible to apply for a loan from your home or office. 

There are also some direct lenders online who may grant fast payday loans to people with bad credit.

List of direct payday loan lenders in the US:

CompanyOverall RatingTimes Chosen 
5KFunds4.259,405View Company
ACE Cash Express5.01,477View Company
BadCreditLoans.com3.676,856View Company
Cash Advance4.51,097View Company
CashUSA3.821,795View Company
Fast5KLoans4.05,968View Company
Jora Credit4.28,431View Company
LoansUnder365.01,292View Company
PersonalLoans.com4.425,671View Company

Requirements for Getting Instant Payday Loans

Like any loan, when it comes to payday loans, direct lenders online want to make sure you are who you really are and you have the ability to repay your loan.

To get a payday loan for an emergency, you need:

  • To be at least 18 years of age
  • Proof of regular income
  • A valid bank account
  • Your full name
  • A physical address
  • Contact information


Our Top Direct Lenders


With you can get a loan of up to $10,000 online. You have up to 12 months to repay the loan and interest rates start at 15%.

They accept borrowers with bad credit and they have a quick payout as well.

2. SoFi 


SoFi is ideal for larger loans as they offer amounts up to $100,000. Payment terms go up to 20 years and have competitive APRs between 8.99% and 25.81%.

SoFi reports payments to all three credit bureaus and they offer a quick payout. Note that SoFi requires a good credit score to qualify for a loan.

3. OppLoans

With OppLoans you can apply for loans up to $5,000 with repayments up to 18 months. OppLoans accepts bad credit borrowers and they report payments to two credit bureaus - Clarity Services and Experian.

OppLoans are ideal if you're looking for a direct lender that offers a bad credit loan. 

Compare the Best Personal Loans

Save more on your loan by comparing with us first.

Prequalify for a $5,000 loan here

Compare loans from direct lenders and apply for loans of up to a $50,000 from top lenders. With you can:

  • Compare lenders that offer loans of up to $50,000
  • Prequalify with no impact on your credit score
  • Compare rates and choose the best loan offer

Start Comparing

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What Customers Say About Us

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Find Your Loan at helps you compare the best online payday loans from direct lenders in the US with the lowest loan rates.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan and take the guesswork out of doing all the legwork yourself.

Direct Lenders - FAQs

What are direct lenders?
Online direct lenders give you access to the funds you need at competitive rates. These lenders provide loans directly to you, they are not loan brokers. Direct loan lenders can be a great alternative to traditional bank loans, especially if you only need a short-term loan.
Can I apply for no denial payday loans from direct lenders only?

While the concept of 'no denial payday loans' sound attractive, in reality, no lender can guarantee a loan upfront. Your approval depends on your creditworthiness, among other things. But there are lenders that are more lenient when it comes to approving loans. One example is payday lenders, although these short-term loans may come with high APRs so always compare loan offers carefully.

Which direct lender should I choose?

This depends on your personal circumstances. Always compare loan offers carefully and look at the loan rates, repayment term, and requirements before you apply. 

What lenders are the easiest to get approved for?

Lenders that offer loans for people with bad credit are often easier to get approval from as their credit score requirements are lower. These include lenders like 5KFunds, OppLoans, and

How does direct lending work?

With a direct lender, you borrow money directly and not by comparing multiple different lenders. Direct lenders can often give better loan rates and you won't have to work through a third party to get support or handle account queries.

What is the easiest installment loan to get approved for?

If you have good credit, installment loans like personal loans may be easier to qualify for at good rates. If you have a bad credit score, you can still qualify for a loan from an online lender but you may have to pay higher interest.

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