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Best Direct Lenders 2022: Compare Payday Lenders

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

  • Use our online loan comparison tool
  • 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 June 2022

Chosen 1057 times

$100 - $2,000

Loan amount

1 Day - 1 Month

Term of loan

91.52% - 630.13%

Lowest rate

Minimum age

Chosen 1696 times

$5,000 - $50,000

Loan amount

1 Year - 5 Years

Term of loan


Lowest rate


Minimum age


Chosen 1038 times

$500 - $35,000

Loan amount

2 Months - 6 Years

Term of loan

5.99% - 35.99%

Lowest rate


Minimum age


Chosen 1699 times

$0 - $0

Loan amount


Term of loan


Lowest rate


Minimum age


Chosen 14038 times

$5,000 - $100,000

Loan amount

2 Years - 7 Years

Term of loan

6.99% - 22.23%

Lowest rate


Minimum age


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

Apply for Loans from Direct Lenders

payday loans online direct lenders only

Get Fast 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.

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 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.

Direct loan lenders can be a great alternative to traditional bank loans, especially if you only need a short-term loan. You may just need cash to cover a once-off expense like a wedding or a vacation- and this is where direct lender loans come in.

With quick application processes and fast payouts, direct lenders online can offer you competitive loan rates and more.

Here’s a list of direct loan lenders in the U.S.:

Company Overall RatingTimes Chosen
5KFunds4.258,474View Company
Happy Money3.6666View Company
PenFed Credit Union3.51,313View Company
SoFi4.514,038View Company
StiltN/A429View Company
Upgrade1.0789View Company

However, when you need a quick fix for a financial emergency, you may not have the luxury of seeking out a traditional lending institution.

In such cases, fast payday loans may be more appropriate.

💡 Looking for a business loan? See our list of business loan lenders.

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.

Same-day approval and same-day funding from online payday loans (direct lenders) can mean a virtually immediate financial solution to your current situation.

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

Chosen 5,828 times
  • APRs from 5.99%
  • Up to 72 months repayment terms
  • Loans up to $5,000
  • Suitable for all credit scores

These factors include credit score, terms (short term or long term loan), 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 fast 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 also another reason why people choose instant loans over banks. It’s possible to apply for a loan from your home or office. 

Most lending sites are also mobile-friendly. Moreover, it’s virtually impossible to get a loan with bad credit, but there are some direct lenders online who may grant fast payday loans to people with bad credit.

Here’s a list of direct payday loan lenders in the U.S.:

Company Overall RatingTimes Chosen
5KFunds4.258,474View Company
ACE Cash Express5.01,057View Company
BadCreditLoans.com3.676,098View Company
Cash Advance4.5931View Company
CashUSA3.821,438View Company
Fast5KLoans4.05,828View Company
Jora Credit4.27,811View Company
LoansUnder365.01,041View Company
PersonalLoans.com4.425,246View 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.

How to Repay Your Quick Loan

You can specify a certain date when your bank will release funds from your account to the lender.

This makes it easier for both parties. Alternatively, the lender may hold a postdated check in the amount of the loan and any fees, then deposit it once the loan is due.

Keep in mind that lenders’ terms can vary greatly, so compare several lenders and their terms using the comparison tool above and find a lender that suits your needs.

Compare the Interest Rates, Even if You’re in a Hurry

Of course, you may want to choose direct lender loans with the lowest interest rate possible, however, it’s vital to fully understand the terms and conditions before getting a same-day payday loan.

Chosen 76,098 times
  • Apply for loans up to $10,000
  • No fees or obligations
  • Access to a network of hundreds of lenders
  • Bad credit history allowed

High interest rates could be detrimental to your credit score, especially if you fail to commit to timely payments and accrue extra charges and penalties.

Enjoying Peace of Mind

Running out of cash before your next payday can be a frustrating experience, but fast payday loans can help you to cope in between paydays without having to worry so much. Of course, borrowing responsibly is important, though.

Cash advance loans come in handy when you have urgent bills that need to be settled. Direct payday loan lenders make prompt decisions, and the borrower can have the funds directly deposited into his or her bank account as soon as the same day.

Online Payday Lenders – FAQs

How can I instantly instantly borrow money?

The best way to borrow money instantly is to apply online for a personal loan or a payday loan for quick approval and funding. Lenders such as Ace Cash Express and 5KFunds offer fast payouts and if you don’t have a good credit scores, you can apply at lenders such as and Blue Trust Loans

Can I get a cash advance online?

Yes. you can get a cash advance online form a payday loan company or lenders that offer personal loans online. Here’s a list of online payday lenders.

Where can I get a quick loan online?

The best way to get a quick loan online is to get a payday loan from a direct lender. However, this can come with high APRs so you can also consider an online personal loan

Lorien is the Country Manager for Financer US and has a strong background in finance and digital marketing. She is a fintech enthusiast and a lover of all things digital.

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