Best Direct Lender Payday Loans in December 2024<\/h3>\n- Advance America<\/a> – Same Day Funding<\/li>\n
- Ace Cash Express<\/a> – Easy Application Process\u00a0<\/li>\n
- Low Credit Finance<\/a> – Best for Longer Term Loans<\/li>\n
- 5kFunds<\/a> – Best for Multiple Loan Offers<\/li>\n
- Check into Cash<\/a> – Available in the Most States<\/li>\n<\/ul><\/div>\n\n\n
Comparison of Direct Payday Loan Lenders in 2024<\/h2>\n\n\n\n
To help you make an informed decision, we’ve compiled a comprehensive comparison of the most popular payday direct lenders. But before we look at different direct lenders…<\/p>\n\n\n
<\/div>Here’s what you need to know:<\/h3>
Before comparing direct payday loan lenders, it’s crucial to check your state laws. Payday loan availability and terms depend entirely on your state’s regulations.
If payday loans are prohibited in your state, we recommend Low Credit Finance<\/a>.
Where legal, most lenders charge similar rates, typically the state maximum. Given this, focus on comparing lenders based on:<\/p>\n\n- Location<\/strong>: Is there a convenient physical store near you?<\/li>\n
- Online options<\/strong>: Do you prefer applying online?<\/li>\n
- Funding speed<\/strong>: Some online lenders like Ace Cash Express<\/a> offer same-day funding, even on weekends.<\/li>\n<\/ul><\/div>\n\n\n
Advance America: A Leader in Direct Lender Payday Loans<\/strong><\/h3>\n\n\n![\"Advance](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america.jpg\")
<\/a>Chosen 189<\/strong> times<\/span>- Accepts all credit types<\/li>
- Same-day funding available<\/li>
- No Credit Reporting<\/li>
- High customer satisfaction<\/li><\/ul><\/div>Min Loan Amount<\/span>100<\/span><\/div>Max Loan Amount<\/span>5000<\/span><\/div>Lowest APR<\/span>143.29<\/span><\/div>Highest APR<\/span>688.28<\/span><\/div>Min Loan Term<\/span>7 Days<\/span><\/div>Max Loan Term<\/span>2 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a>
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\")
<\/div>5.0<\/span><\/a>Read 1<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nWhen it comes to direct lender payday loans, Advance America stands out as a reliable and accessible option. With a vast network of over 800 physical stores across the United States, they offer a convenient way to get the cash you need quickly.<\/p>\n\n\n
Get Cash Now<\/a><\/div>\n\nPros<\/h3>
Extensive network of over 800 physical stores across the United States<\/p>\n<\/li>
Same-day funding available for qualified borrowers<\/p>\n<\/li>
No hard credit checks, making loans accessible to a wider range of borrowers<\/p>\n<\/li>
Transparent fee structure with no hidden charges<\/p>\n<\/li>
Offers multiple loan options, including payday loans, installment loans, and title loans<\/p>\n<\/li><\/ul><\/div>\n\n
Cons<\/h3>
High interest rates typical of payday loans<\/p>\n<\/li>
Not available in all states due to varying regulations<\/p>\n<\/li><\/ul><\/div>\n\n
<\/div>Key Features<\/h3>\n- Online and in-store application options<\/li>\n
- No credit score impact for missed payments<\/li>\n
- Dedicated customer support<\/li>\n<\/ul>
\n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n
\n\n\n\nACE Cash Express: Offers Weekend Instant Funding<\/strong><\/h3>\n\n\n![\"ACE](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/11\/ace-cash-express.png\")
<\/a>Chosen 13,945<\/strong> times<\/span>- Offers Instant Funding to debit card<\/li>
- Apply with no impact to your credit score<\/li>
- Apply online or instore across 850 branches<\/li>
- Easy application process<\/li><\/ul><\/div>Min Loan Amount<\/span>100<\/span><\/div>Max Loan Amount<\/span>255<\/span><\/div>Lowest APR<\/span>214.44<\/span><\/div>Highest APR<\/span>456.25<\/span><\/div>Min Loan Term<\/span>1 Day<\/span><\/div>Max Loan Term<\/span>1 Month<\/span><\/div>Accepts bad credit:<\/span>No. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a>
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\")
<\/div>4.9<\/span><\/a>Read 7<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nACE Cash Express is a well-established direct lender offering payday loans, installment loans, title loans, and more. Their focus on convenience and speed makes them a popular choice for borrowers needing quick cash.<\/p>\n\n\n
Get Cash Now<\/a><\/div>\n\nPros<\/h3>
Fast approval process with instant decisions available<\/p>\n<\/li>
Multiple financial services beyond payday loans<\/p>\n<\/li>
Flexible repayment terms (depending on state and loan type)<\/p>\n<\/li>
No impact on FICO score when applying<\/p>\n<\/li>
Both online and in-store options available<\/p>\n<\/li><\/ul><\/div>\n\n
Cons<\/h3>
High interest rates common in the payday loan industry<\/p>\n<\/li>
May not be available in all states<\/p>\n<\/li><\/ul><\/div>\n\n
<\/div>Key Features<\/h3>\n- Streamlined application process<\/li>\n
- Variety of loan products, including payday loans, installment loans, and title loans<\/li>\n
- Established presence since 1968<\/li>\n<\/ul>
\n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n
\n\n\n\nLow Credit Finance: Easy Loan Approval<\/h3>\n\n\n![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/10\/low-credit-finance-logo.png\")
<\/a>Chosen 2,622<\/strong> times<\/span>- All Credit Types Accepted<\/li>
- Easy Online Application<\/li>
- Approval decision in minutes<\/li>
- Flexible Repayment Terms<\/li><\/ul><\/div>Min Loan Amount<\/span>100<\/span><\/div>Max Loan Amount<\/span>50000<\/span><\/div>Lowest APR<\/span>5.99<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Months<\/span><\/div>Max Loan Term<\/span>7 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>5.0<\/span><\/a>Read 10<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n
While not a direct lender, Low Credit Finance is a valuable resource for individuals seeking payday loans, especially those with less-than-perfect credit or residing in states with restrictive payday loan regulations.<\/p>\n\n\n
Apply Now<\/a><\/div>\n\nPros<\/h3>
Access to a network of lenders, increasing approval chances<\/p>\n<\/li>
Suitable for borrowers with less-than-perfect credit<\/p>\n<\/li>
Soft credit pull that doesn’t impact credit score<\/p>\n<\/li>
High approval rates compared to traditional lenders<\/p>\n<\/li>
Helpful for residents of states with stricter payday loan regulations<\/p>\n<\/li><\/ul><\/div>\n\n
Cons<\/h3>
Not a direct lender, but a loan connection service<\/p>\n<\/li>
Rates and terms may vary depending on the matched lender<\/p>\n<\/li><\/ul><\/div>\n\n
<\/div>Key Features<\/h3>\n- Simple and fast online application process<\/li>\n
- Specializes in helping borrowers with low credit scores<\/li>\n
- Connects borrowers with multiple potential lenders<\/li>\n<\/ul>
\n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n
\n\n\n\nCheck City<\/h3>\n\n\n
Comparison of Direct Payday Loan Lenders in 2024<\/h2>\n\n\n\n
To help you make an informed decision, we’ve compiled a comprehensive comparison of the most popular payday direct lenders. But before we look at different direct lenders…<\/p>\n\n\n
Here’s what you need to know:<\/h3>
Before comparing direct payday loan lenders, it’s crucial to check your state laws. Payday loan availability and terms depend entirely on your state’s regulations. When it comes to direct lender payday loans, Advance America stands out as a reliable and accessible option. With a vast network of over 800 physical stores across the United States, they offer a convenient way to get the cash you need quickly.<\/p>\n\n\n Extensive network of over 800 physical stores across the United States<\/p>\n<\/li> Same-day funding available for qualified borrowers<\/p>\n<\/li> No hard credit checks, making loans accessible to a wider range of borrowers<\/p>\n<\/li> Transparent fee structure with no hidden charges<\/p>\n<\/li> Offers multiple loan options, including payday loans, installment loans, and title loans<\/p>\n<\/li><\/ul><\/div>\n\n High interest rates typical of payday loans<\/p>\n<\/li> Not available in all states due to varying regulations<\/p>\n<\/li><\/ul><\/div>\n\n \n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n ACE Cash Express is a well-established direct lender offering payday loans, installment loans, title loans, and more. Their focus on convenience and speed makes them a popular choice for borrowers needing quick cash.<\/p>\n\n\n Fast approval process with instant decisions available<\/p>\n<\/li> Multiple financial services beyond payday loans<\/p>\n<\/li> Flexible repayment terms (depending on state and loan type)<\/p>\n<\/li> No impact on FICO score when applying<\/p>\n<\/li> Both online and in-store options available<\/p>\n<\/li><\/ul><\/div>\n\n High interest rates common in the payday loan industry<\/p>\n<\/li> May not be available in all states<\/p>\n<\/li><\/ul><\/div>\n\n \n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n While not a direct lender, Low Credit Finance is a valuable resource for individuals seeking payday loans, especially those with less-than-perfect credit or residing in states with restrictive payday loan regulations.<\/p>\n\n\n Access to a network of lenders, increasing approval chances<\/p>\n<\/li> Suitable for borrowers with less-than-perfect credit<\/p>\n<\/li> Soft credit pull that doesn’t impact credit score<\/p>\n<\/li> High approval rates compared to traditional lenders<\/p>\n<\/li> Helpful for residents of states with stricter payday loan regulations<\/p>\n<\/li><\/ul><\/div>\n\n Not a direct lender, but a loan connection service<\/p>\n<\/li> Rates and terms may vary depending on the matched lender<\/p>\n<\/li><\/ul><\/div>\n\n \n\t Apply Now <\/a>\n\t<\/p><\/div>\n\n\n
If payday loans are prohibited in your state, we recommend Low Credit Finance<\/a>.
Where legal, most lenders charge similar rates, typically the state maximum. Given this, focus on comparing lenders based on:<\/p>\n\n
Advance America: A Leader in Direct Lender Payday Loans<\/strong><\/h3>\n\n\n
<\/a>Chosen 189<\/strong> times<\/span><\/div>5.0<\/span><\/a>Read 1<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nPros<\/h3>
Cons<\/h3>
Key Features<\/h3>
\n
\n\n\n\nACE Cash Express: Offers Weekend Instant Funding<\/strong><\/h3>\n\n\n
<\/a>Chosen 13,945<\/strong> times<\/span><\/div>4.9<\/span><\/a>Read 7<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nPros<\/h3>
Cons<\/h3>
Key Features<\/h3>
\n
\n\n\n\nLow Credit Finance: Easy Loan Approval<\/h3>\n\n\n
<\/a>Chosen 2,622<\/strong> times<\/span><\/div>5.0<\/span><\/a>Read 10<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nPros<\/h3>
Cons<\/h3>
Key Features<\/h3>
\n
\n\n\n\nCheck City<\/h3>\n\n\n
![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2024\/02\/check-city-1-e1708708495657.png\")
<\/a>![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\")