15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (2023)

Direct Payday Lenders and Direct Installment loan Lenders

Last update: 10/22/2022

Below is a list of Direct Lenders that directly provide consumers with loan offers that may work for them. You may click on the lender’s title to hide/show in the list. It is a weekly updated list of the actual payday lenders and installment loan lenders that are currently lending in the US.

Get pre-qualified now!
You can also jump straight to Non-direct payday lenders

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (2)

Or you may want to check out our new page for the list of direct tribal lenders

Apply online or in-store! Direct lending online or at our stores, Check Into Cash makes it fast and easy for you to get the cash you need now. As a direct lender, Check Into Cash does not sell your information to any third parties or involve any extra steps with the lending process.

  • Payday Loan Amount: $50 – $1,000 Varies by State
  • Installment Loan Amount: $500 – $3,000 Varies by State
  • Title Loan Amount: $1,350 – $25,000 Varies by State
  • Typical APR:Varies by states
  • Loan Fee: from $7 Varies by State

How Is Check Into Cash different from the other lenders?

Check Into Cashis a financial services provider with more than 1,200 stores in 30 states. It was founded in 1993 byW. Allan JonesinCleveland, TN, where the company headquarters are located today.See the Check Into Cash locations on the map.
Apply for a short-term loan with Check Into Cash and learn if you’re approved in a minute.

  • Apply for a Check Into Cash loan despite having bad credit as long as you have the ability to repay
  • Check Into Cash doesn’t place limitations on how you can use the loan
  • Check Into Cash informs you of your application’s status in less than a minute. After approval, expect the funds to be deposited as soon as the next business day.

Review Check Into Cash what to watch out for

  • Payday loans come with high service fees and finance charges, but Check Into Cash outlines how much you’ll have to pay in the loan offer document.
  • If you make a late payment or miss one entirely, you can be charged extra fees.
  • Make sure you can repay the loan before taking it out, or you may find yourself owing much more than you borrowed.

Online Payday Loans available in the following states: AL, AK, CA, DE, FL, HI, ID, IL, IN, KS, LA, MO, MS, NV, OR, TN, TX, UT, WA, WI, & WY
Installment Loans available in the following states: FL, OK, MO, MS, WI

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (3)

Click to pre-qualify now!

Get a Loan Fast. In a bind? Apply now for a Jora loan and you could get $500-$2,600 by the next business day. Plus, our loans have no hidden fees.

  • Loan Amount:$500 – $2,600
  • APR: 186% – 349%

Benefits of an installment loan from Jora

  • As one of the best alternatives to payday lenders, our customers have the flexibility to repay the loan over a duration of time that makes sense for their lives and budget.
  • Unlike many traditional banks, with Jora you have the choice of paying off your loan over several installments, or all at once at any time without a prepayment penalty.
    For example, a $2,000 loan with an Annual Percentage Rate (APR) of 230% has 48 bi-weekly payments of $179.54. The actual number of payments required for your loan will be based on your loan amount and your pay schedule. For your convenience, we attempt to link you loan payment dates to your pay dates.
  • Jora also offers its users a series of budget and career planning tools under its Allay program that can help you determine how you can shape your future financial situation.
  • You can apply with Jora even with Bad Credit because it makes the decision on more than just your credit score.

Possible drawbacks

  • Frequent repayments.
  • Sometimes loan funding can take several days.
  • High costs. Like any installment loan, you will be facing high-interest rates, but you can pay off your loan early without any penalty charges.
  • Available only in 9 states as of March 2020.

What is Jora?
Jora offers installment loans between $500 to $2,600, although some states have varying minimums. Jora doesn’t require you to have a minimum income and doesn’t limit your income to what you earn from a job, unlike some other installment loan lenders. If you have disability, retirement, unemployment checks, etc you can always qualify for a loan.

How to apply for an installment loan through Jora?

Eligibility criteria. You must:

  • Be at least 18 years old (19 in Alabama)
  • Have a regular source of income
  • Have an email address
  • Have an active checking account
  • Be a resident of any of these states: Alabama, California, Delaware, Idaho, Missouri, New Mexico, North Dakota, South Carolina, Utah, and Wisconsin.
  • Supply a driver’s license number to confirm your state of residence.

Jora Credit actual Google reviews

Read all the reviews and feedback on experience with the Jora Credit here. (link will open in a new tab)

🔎 Click on the image

(Video) How to get personal Loan Online | No Income Proof | No Verification | Only 1% p.m

Currently licensed to lend in the following states: UT, MO, ID, SC, DE, WI and ND.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (5)

Click to enter the direct lender website

When you tap that ‘Apply’ button, you’re in good company. In 2017, more than 2 million people applied for financing with LendingPoint.

  • Credit Score Range: 600 – 699
  • Bad credit: OK
  • Loan Amount: $2,000 – $25,000
  • Loan Fee: $0 – $6,no fees for early payoff
  • APR: 15.49% – 34.99%
  • Repayment terms: 24 – 48 month

How Is Lending Point Better Than Other Lenders?

  • Quick deposits,once approved, it usually takes 24-48 hours to have funds deposited to your account.
  • Lending Point is an Atlanta-based direct lender who has loaned more than $391 million throughout the USA. In the past 30 days, they offered more than $740 million to applicants.
  • Very professional and customer-oriented personal.
  • 100% paperless online process.Submit application, upload documents and receive funds in your account upon approval.
  • Online calculator.Find out how much you’ll repay, and work out repayments based on the amount you’d like to borrow and the loan term.
  • Check your offer without affecting your credit score.

Review Lending Point what to watch out for

  • High rates. Any loan you qualify for with a low credit score is going to have high rates compared, expect an interest rate around 15.49 – 34.99%.
  • Bi-monthly repayments.You have to make them twice a month.
  • The origination fee ranges from 0% to 6% and is supposed to cover the cost of setting up your loan. You can pay it upfront or spread it across the loan period.
  • Late repayment feeup to $30 for late payments.

Who iseligible to apply for a LendingPoint loan?
Here are 6 important requirements before you can get a loan with LendingPoint:

  • You must be at least 18 years of age.
  • You must be able to provide a U.S. federal, state or local government-issued photo ID.
  • You must have a social security number.
  • You must have a minimum annual income of $20,000 (from employment, retirement or some other source).
  • You must have a verifiable personal bank account in your name.
  • You must live in one of the states where LendingPoint does business. As of November 2019, we are in 32 states and the DC, and growing.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (6)

Click to enter the direct lender website

CashNetUSA has been lending since 2004 and is part of the publicly-traded company Enova International, Inc. (NYSE:ENVA). We’re driven by our mission to help hardworking people get access to credit.

  • Credit Score Range: 300 – 650
  • Bad credit: MAYBE OK
  • Loan Amount*: $100 – $3,400
  • Loan Fee*: $17.00-45.00 per $100.00 borrowed
  • APR*: 201.32% – 1,140.63%

How Is CashNetUSA Better Than Other Lenders?

Since 2004, CashNetUSA has provided emergency funds, cash advances and short-term loans to more than 3 million hardworking Americans.Not all online lenders are made equal, and when you’re looking for emergency funding, you want a lender with a proven track record.

Benefits of a loan from CashNetUSA

  • CashNetUSA has a special discount program designed to help you save! You get access to hundreds of coupons and other deals on dining, shopping, things to do and more.
  • With our free online financial courses, you can expand your financial knowledge in no time. Topics include emergency savings, credit scores and reports, and more.
  • You can use the money you receive through a CashNetUSA payday loan any way you want to with very few exceptions.
  • No collateral.Since these loans are unsecured in nature, CashNetUSA doesn’t require you to provide any kind of collateral.

Possible CashNetUSA drawbacks

  • High APRs range from 201.32% to 1,140.63%
  • Does not offer “bad credit” lines of credit

What does CashNetUSA offer?
CashNetUSA offers:

  1. Payday loans up to $1,800*
  2. Installment loans up to $3,400*
  3. Lines of Credit:
    • Alabama $2,000
    • Idaho $1,000
    • Kansas, Utah, Virginia up to $1,800
    • Tennessee $1,800 (Flex loans)
    • South Carolina up to $1,400

How to apply for an installment loan through Jora?

Eligibility criteria. You must:

  • Have an active checking account
  • You must have a verifiable, steady source of income
  • Must be a US citizen or permanent resident
  • Must be at least 18 years old**

*Varies by state. CashNetUSA or a third-party lender uses various credit reports, data sources, and applicant information as part of its underwriting. Not all loan applications or extension requests are approved or receive the maximum amount permitted under state law. Not all instant decisions result in a loan approval.
**Must be 21 years of age for Mississippi residents and 19 years of age for Alabama and Delaware residents.

Last verified Mar 31, 2018
Cash Net USA is currently licensed to lend in the following states:
Payday Loans:
Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, Texas, Washington, Wyoming.
Installment Loans:
California, Delaware, Illinois, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Texas, Wisconsin.
Lines of Credit:
Alabama, Idaho, Kansas, Tennessee, Utah, Virginia, South Carolina.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (7)

Click to enter the direct lender website

Copy and paste this code: A15CASH
Get 15% off on your initial loan fee for direct payday loans or brokered loans; get a 15% rebate on your first two payments for installment loans or installment-payday loans; or get a 15% rebate on actual Credit Access Bureau fees paid for installment loans in states where CashNetUSA partners with a third-party lender. Conditions apply.

(Video) Personal Loans - How To Get A Loan With Bad Credit

Check City is a direct lender based in Orem, Utah, that operates in all states.If you visit their storefront, you could get cash within the same day.

  • Credit Score Range: 300 – 650
  • Bad credit: OK
  • Loan Amount: $100 – $2,500
  • Loan Fee: $20 – $100
  • APR: 182.5% – 912.5%

How Is Check City Better Than Other Lenders?

CheckCity.com also provides services such as check cashing, installment loans, title loans, gold buying tax services, insurance, and prepaid debit cards.They also offer a preferred member program (only available to Utah customers) that gives clients who take over five loans a 10% discount and a 15% discount to clients who take over ten loans.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (8)

Click to enter the direct lender website

We believe credit can provide peace of mind. So our vision for our customers in eligible states is universal access to credit that expands over time.

  • Credit Score Range: 450 – 650
  • Bad credit: OK
  • Loan Amount: $100 – $250
  • Loan Fee: $17 – $44
  • APR: 214.13% – 917.71%
  • Repayment terms: 7 days – 1 month

How Is LendUp Better Than Other Lenders?
LendUp provides borrowers who regularly borrow from payday lenders the opportunity (where available) of gradually improving their rates and terms. As you climb “the Lendup Ladder” by paying off your loan and taking out new ones, you earn access to more money at better rates for longer periods of time. This type of loan can be reported to credit bureaus.
Another real advantage is that it doesn’t have loan rollovers, which protects customers from falling into a cycle of debt.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (9)

Click to enter the direct lender website

As a direct lender, LoanNow can be a financial lifeline – providing personal installment loans that give you the time you need to pay them back.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount: $1,000 – $5,000
  • Loan Fee: $15.49 – $375
  • Minimum Monthly Income: $1,000
  • APR: 29% – 229%
  • Repayment terms: 9 – 48 months

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (10)

Click to enter the direct lender website

EZPAYDAYCASH A Faxless Payday Loan Direct Lender.We are not an online loan matching service. We are a direct cash advance lender no third party.

  • Credit Score Range: 300 – 650
  • Bad Credit: OK
  • Loan Amount: $200 – $1,000
  • Minimum Monthly Income: $1,000
  • APR: 365% – 1564.28%
  • No operations in Oregon, California, and Washington

How Is EZ Payday Cash Better/Worse Than Other Lenders?
EZPaydayLoans.com is known for having a bad record with financial regulation authorities for operating in states where it is not licensed to do business. The interest rates are outrageously high, even for a payday loan. It has an ‘F’ with the Better Business Bureau for its high number of unresolved complaints.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (11)

Click to enter the direct lender website

GADCapital.com is a loan merchant aggregator bringing together top micro-loan lenders under one platform.

  • Credit Score Range: 300 – 700
  • Bad credit: OK
  • Loan Amount: $100 – $1,500
  • Loan Consolidation: OK
  • Monthly Income: $1,300 (Installment loan)
  • APR: 390% – 780%
  • Repayment terms: 7 days – 18 months

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (12)

Click to enter the direct lender website

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CashAmericaToday, as a legit online direct lender, can help you obtain fast cash during sudden financial emergencies.

  • Credit Score Range: 300 – 840
  • Bad credit: OK
  • Loan Amount: $100 – $1,500
  • Loan Fee: $13 – $102
  • APR: 235.58% – 533.4%

How Is Cash America Better/Worse Than Other Lenders?
Cash America is an active member of the Community Financial Services Association, and follows their code of best practices. They only allow a maximum of 4 loan rollovers and give borrowers the option of entering an extended payment plan. The application process is a fast and easy, but its interest rates are very high.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (13)

Click to enter the direct lender website

Payday and Installment Loan Matching Services (Non-direct lenders)

Below is a list of loan brokers and companies that provide a free loan matching service that aims to quickly connect customers with direct lenders that offer loans even with bad credit that may work for them.

Bad Credit Loans – A perfect spending history simply isn’t possible for many American households, especially in times like these. We can help when others can’t!

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount:$500 – $5,000
  • Repayment terms: 3 – 36 months

Why you should consider Bad Credit Loans

  • If you find the fees to be too high, you are under no obligation to accept the contract.
  • You can get approved for a loan almost immediately after application
  • Filling out, submitting, and approving the application is free.
  • The approved loan can be deposited into your bank account as quickly as the next business day.
  • BadCreditLoans.com keeps its requirements minimal so that even borrowers who wouldn’t normally be approved elsewhere could get a loan.

Watch out for

  • The website claims that its lenders offer APRs of up to 35.99%, some payday lenders can have interest rates even over 1,200%.
  • Cash advances can add hundreds of dollars in fees to the original cost of the loan.
  • If you take a loan that you can’t repay, you may need to refinance or roll over the remaining amount.
  • There are no fees to apply, but the lender you’re connected with may charge fees in addition to interest charges.

Bad Credit Loans offers a free service connecting you with lenders that will present their loan offer to you with no obligation of having to accept the offer. The website offers more than just loans. Try visiting the news section to learn about the charity work and other great events that Bad Credit Loans takes part in. You can also educate yourself on any of the latest scams that may be out there too.

Applying for loans through BadCreditLoans.com is free. However, the loan provider you ultimately sign with will likely charge a financing fee on top of high-interest rates. You’ll have access to the complete charges of a loan before signing through a loan offer document. Along with the terms of the loan, this document lists any penalty fees and charges you might have to pay.

How to apply

Applying online is simple, and requires applicants to meet the following eligibility requirements:

  • Be an American citizen or a permanent resident of the US.
  • Be at least 18 years of age.
  • Have a source of regular income.
  • Have a checking account in your name.

The application is online, and requires the following information and documentation:

  • Full name, contact information, date of birth, and Social Security number.
  • Credit type, the reason for the loan, and loan amount.
  • Information from a photo ID such as a driver’s license or passport.
  • Bank account information.
  • Employment and annual income information.

Personal Loans offer greater flexibility with how much a person can borrow giving you the opportunity to be qualified for as much as $35,000.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount:$500 – $35,000
  • APR:5.99% – 35.99%
  • Repayment terms: 3 – 72 months

How Is PersonalLoans Better Than Other Lenders?
Peer-to-peer or P2P loan. It basically means that you will be borrowing money directly from a person or company, rather than the bank. Peer-to-peer loans ensure that borrowers are paired with individuals looking to invest in a detailed note.
Personal installment loan. The process is also quick and convenient. You can request a loan online by providing basic personal and financial information. Your lender or lending partner will provide you with a loan agreement individually tailored to your financial needs.
Bank personal loan. It provides one-on-one local service to borrowers who would like to request a loan in person at their local bank. First by phone or in-person and provide your personal information for the loan. Some banks even allow you to request a loan online as well. If you request a loan online you will likely be directed to the nearest local branch to complete the loan request process in person.

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (15)

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Click to enter a loan matching website

Cash Advance® provides a free service that aims to quickly connect customers with lenders that offer loans that may work for them.

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount:$100 – $999 or more
  • APR:15% – 1,564%
  • Minimum Monthly Income: $1,000
  • Repayment terms: 7 days – 12 months

Why you should consider Cash Advance®

  • Lender’s website offers a Loan amount calculator that takes into account the APR so you can see how much repay compared to what you borrow. So If you pay your loan back on time, you’ll know exactly how much you’ll be charged.
  • CashAdvance.com has a huge network of nationwide cash loan lenders
  • You are free to decide what to do with the money from your cash loan.
  • Bad credit is okay – you can apply as long as you have the ability to repay.
  • You can complete the application in about 5 minutes, you can expect to hear from the lender in minutes. Once you accept the contract you’ll get the funds the next business day.
  • Repeat customers can log in to the CashAdvance.com and expedite the application process for subsequent loans

What to watch out with Cash Advance®

  • High APRs of up to 1,564%.
  • May sell your data as a lead to other lenders.

Cash Advance® has been a trusted resource for short-term loans since 1997, helping millions of consumers. While there are many companies dedicated to helping consumers get cash quickly, Cash Advance® stands apart by offering a unique level of customer care, security, and a brand that consumers can trust. Service Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan. We are a proud member of the Online Lenders Alliance (OLA), a national organization dedicated to promoting best practices in the online lending industry.

You can borrow up to $999 through a typical cash loan, but the maximum depends on governing state laws. If you can demonstrate that you can repay the loan, your credit history will not disqualify you from approval. You will have to repay the loan on or before your next payday, although you can seek extensions in certain states.

How you can apply for a cash loan through CashAdvance.com
Eligibility criteria:

  • At least 18 years of age
  • Permanent US resident or an American citizen
  • Steady job and earn $1,000 or more (after taxes) each month
  • Checking or savings account
  • Valid phone number and email address
  • Not reside in: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, or Vermont.

Required documents information:

  • Personal information including email address, birthday, and social security number
  • Employment status and your employer’s name and phone number
  • Monthly salary and the date of your next payday
  • Checking account details

Cash Advance® DOES NOT offer loans in the following states: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, N. Carolina, Pennsylvania, Vermont

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (16)

Click to enter a loan matching website

LoanPioneer is a lender matching site that operates in most states. Request a loan up to $5,000 and get the funds by next business day!

  • Credit Score Range: 300 – 700
  • Bad Credit: OK
  • Loan Amount:$100 – $5,000
  • Representative APR Example:$1000 loan over a 12-month term.
    Total cost, including interest, of $1,134.72.
    APR 29.82%.
    Rates between 5.9% APR and 35.99% APR.
  • Repayment terms: 3 – 36 months

15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (17)

Click to enter a loan matching website

Disclosure: We receive advertising revenue from some partners. Part of this revenue will be donated to the UNICEF®

More direct lender payday loans are added to our database all the time!

With the increased state and Federal financial regulations, we removed certain lenders that had been providing online loans for years. There are a lot of companies that offer direct payday loans no third party decided to stop lending for the time being. This usually happens because the U.S. government issues regulations and strict scrutiny for short-term loan companies. Therefore, most of the leading direct payday lenders are going to start lending later this year 2020.

Also, we should soon see several new payday loan direct lender online services on the list in the first half of 2020. We’re already beginning to see a few new installment lenders like Indylend offering loans to clients that wouldn’t have been eligible because of a bad credit several months ago.

Online direct payday lenders have to limit issuing their loans in a limited number of states. That is the reason why we’ve need to list those states where the lenders are able to offer their loans. We’ve listed these states as an interactive infographic image to make it easier for our visitors.

Where in the US are payday loans legal?

As you can see from the picture above, it is difficult to get a payday loan in states like: Arizona, Arkansas, Georgia, North Carolina, West Virginia, Maryland New York, and so on to the East coast. Although it’s easy to get a payday loan in states like California and Texas. This is because some states are more aggressive in how they regulate online payday lenders.

Please, don’t hesitate to email us if you are aware of any direct payday or installment companies or state-specific lenders that aren’t included in our list or if there are any companies that are in fact not direct payday lenders, no third party, bad credit.

Get back soon to check again for more new direct payday lenders that offer online personal loans and installment loans. We will continue building the new list of Direct Payday Loan Lenders 2020!

Requirements for Getting Direct Payday Loans

  • Must be at least 18 years of age
  • Have a regular income
  • Valid bank account
  • Physical address

It is important to remember that getting payday loans makes sense only astemporary solutionsto your financial troubles. It is highly recommended to try to Repair Your Credit.15+ List of Direct Payday Loan Lenders Weekly Updated! | Direct Lenders USA (18)

Always compare the interest rates

It is wise to choose a payday loan with as low an interest rate as possible. You should understand the terms and conditions before getting loans to avoid disappointments. Also, high-interest rates may be harmful to yourcredit score,especially when you don’t commit to timely payments.

Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

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I didn’t get the loan. What’s next?

There are mayby many reasons why you didn’t get approved for a loan. While short-term loans are designed for people with bad credit, you still have to be able to afford the loan. Often, people are rejected because their financial situation simply can’t support the quick turnaround and high repayment of a short-term loan. If you need money quickly,Consider our 10 Top payday loan alternatives.

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What lenders are the easiest to get approved for? ›

The easiest loans to get approved for would probably be payday loans, car title loans, pawnshop loans, and personal installment loans. These are all short-term cash solutions for bad credit borrowers.

What is the easiest installment loan to get approved for? ›

The easiest installment loans to get approved for are payday loans, personal installment loans, car title loans, and pawnshop loans.

What are the easiest online payday loans to get? ›

  • MoneyMutual - Best Instant Payday Loan Guaranteed Approval. ...
  • CashUSA - Quick Same Day Loans Guaranteed Approval. ...
  • BadCreditLoans - Easy Approval Payday Loans for Bad Credit Score. ...
  • PersonalLoans - Quick Instant Payday Loan Approval. ...
  • Funds Joy - Quick Application Instant Payday Loans Online.
10 Aug 2022

How do I get a loan when rejected everywhere? ›

Applying to a direct lender with a more modern outlook could help you to get accepted even if your recent credit applications have been declined. This is where a reputable online credit broker can really come in handy since they can make it easier to find lenders who are more likely to approve your loan application.

What app can I borrow money from immediately? ›

6 Loan Apps in 2022: Cash Advances and Overdraft Protection
  • Earnin: Best for low fees. ...
  • Dave: Best for repayment flexibility. ...
  • Brigit: Best for budgeting tools. ...
  • Empower: Best for fast cash. ...
  • Chime: Best for overdraft protection. ...
  • MoneyLion: Best for existing customers.
7 Nov 2022

Where can I borrow money instantly? ›

If you need to borrow money immediately, the most popular options are personal loans, cash advances online, payday loans, pawn shop loans, and banks or credit unions. But be careful with cash loan options that promise you a quick loan with no credit check.

How can I get a instant loan in 5 minutes? ›

The best way to get an instant loan in 5 minutes is to borrow from a friend or family member since they can give you cash or use an electronic transfer service to send you money immediately. No reputable companies will send funds to you within minutes or even 1 hour after you apply.

Which type of loan does not require a credit check? ›

For example, payday loans and high-rate installment loans might not require a credit check. Or, if you own a vehicle or valuable property, you may be able to get an auto title loan or pawn loan without a credit check.

What loans Can you get same day? ›

Types of quick same-day personal loans
  • Payday loans. Known as short-term, small dollar loans, payday loans can be useful if you need money before payday. ...
  • Installment loans. ...
  • Title loans. ...
  • Lines of credit. ...
  • Pros of same-day personal loans.
  • Cons of same-day personal loans.

What are 3 alternatives to getting a payday loan? ›

Best Alternatives to Payday Loans to Consider During a Crisis
  • Local nonprofits and charities.
  • Medical bill assistance.
  • Bad-credit online loans.
  • Credit union loans.
  • Payment plans for monthly expenses.
  • Other ways to make money.
  • Lending circles.
  • Family loans.
14 Nov 2022

What two things can you do if your lender rejects a loan application? ›

Here are three immediate steps you can take after a rejection.
  1. Identify Why Your Loan Was Denied. Before you re-apply for a loan, take time to identify why your lender denied your application. ...
  2. Remove Errors or Negative Remarks From Your Credit Report. ...
  3. Improve Other Key Qualification Factors.
29 Mar 2021

How can I get a personal loan after being denied? ›

How To Get A Loan When You Keep Getting Denied
  1. Improve Your Credit Score. One of the best ways to ensure your qualification for a personal loan is to improve your credit score. ...
  2. Ask Someone To Co-Sign. ...
  3. Compare Lenders. ...
  4. Prequalify For A Personal Loan.
20 Dec 2021

Can I apply for another loan if I got denied? ›

However, be aware that you need to wait at least one month before reapplying for a loan after being denied and that you should only sign up for a loan if you are sure you will be able to make the monthly payments plus interest and fees. You can also try reapplying for a smaller loan amount.

What app can loan me 250$ quick? ›

Get up to $250 when you need it*. Build credit, save money, get credit score insights, start budgeting smarter & avoid overdraft fees with Brigit. It's personal finance, simplified. Our members have saved over $300 million - over $514 annually per member.

How can I get a loan in 10 minutes? ›

How to Get Instant Loan
  1. Register. Download & register on the Fibe app. Fill in a few basic details.
  2. Get Instant Approval. Get approval in minutes. Once approved upload your KYC documents on the app.
  3. Ready to Transfer. Once your KYC is in place, just select how much cash you want to transfer to your bank and you are set!

How can I get a personal loan immediately in one hour? ›

The best way to get a loan immediately is to apply online for a personal loan from a lender known for quick approval and funding. The best lender for fast personal loans is LightStream because it funds loans as soon as the same day and has low APRs, large loan amounts, long payoff periods and no origination fee.

How can I get money today? ›

8 Best Places To Get Money Right Now
  1. Sell Items.
  2. Side Hustle.
  3. Rent Your Things.
  4. Credit Card.
  5. Personal Loan.
  6. Public Funding.
  7. Pawn Items.
  8. Request Forbearance.
19 Oct 2022

Is uprova a payday loan? ›

Uprova is Not a Payday Loan Lender

Payday loans are aggressive, short-term forms of credit that require borrowers to repay the entire loan amount plus very high-interest fees on their very next payday.

What's another loan like Spotloan? ›

Our 7 top loans like Spotloan
  • For lower rates: OppLoans.
  • For those that want to avoid a credit check: Possible Finance.
  • For when you're not sure you'll need the funds: ACE Cash Express.
  • For quickly comparing offers: LendYou.
  • For repeat borrowers: LendUp.
  • For using collateral to back your loan: OneMain Financial.
19 Aug 2022

What is a blank check loan? ›

Blank check auto loans are loans that prospective car buyers take out from banks or other third party lenders before visiting a dealership. A bank car loan that is pre-approved for a certain amount is called a "blank check auto loan" because the buyer can use it just like a check at a dealership.

What loans are guaranteed? ›

A guaranteed loan is used by borrowers with poor credit or little in the way of financial resources; it enables financially unattractive candidates to qualify for a loan and assures that the lender won't lose money. Guaranteed mortgages, federal student loans, and payday loans are all examples of guaranteed loans.

What is a loan that doesn't require any collateral? ›

Unsecured loans don't require collateral, such as a home, vehicle or savings account, to back the loan. Instead, they are backed only by the borrower's creditworthiness and promise to repay the loan. A common type of unsecured loan is a personal loan.

How do you unlock a borrow on cash App? ›

How To Use Cash App Borrow
  1. Open the app and sign in.
  2. Click on your account balance.
  3. Click on 'Borrow'
  4. Tap on 'Unlock'
  5. Choose your repayment option.
  6. Agree and accept.
15 Nov 2022

How do I borrow money from cash App 2022? ›

If you're eligible, you can borrow money from Cash App in five steps:
  1. Open or get the app. Open your Cash App mobile app, or download and register for the app. ...
  2. Select Money icon. Tap the Money icon on the bottom-left corner (it looks like a bank).
  3. Find Borrow option. ...
  4. Select and proceed. ...
  5. Receive funds.
11 Nov 2022

Can I borrow money from PayPal? ›

PayPal Working Capital is a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.

What is the easiest and quickest loan to get? ›

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit. They're also very expensive in most cases.

What is PAL loan? ›

Payday alternative loans, or PALs, allow members of some federal credit unions to borrow small amounts of money at a lower cost than traditional payday loans and repay the loan over a longer period. These features can help borrowers avoid the potential debt trap created by high-cost, for-profit lenders.

What is an alternative to cash advance? ›

A Personal Loan

Personal loans can be more cost-effective than a cash advance and still worth the time it takes to apply, depending on the situation. While interest rates on personal loans can be hefty, they are usually lower than those applied to cash advances and may come without the same massive fees.

When can I apply for a loan after being declined? ›

It's best to wait 30 days before reapplying for a new loan, giving you time to check the application and prevent any errors slipping through again. Beware that too many applications may leave a negative mark on your credit report, which can raise a red flag with banks and credit card companies.

Why would a lender not approve a loan? ›

Most often, loans are declined because of poor credit, insufficient income or an excessive debt-to-income ratio. Reviewing your credit report will help you identify what the issues were in your case.

Do lenders have to tell you why you were denied? ›

If a lender rejects your application, it's required under the Equal Credit Opportunity Act (ECOA) to tell you the specific reasons your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.

Why can't i borrow money from cash app? ›

Why can't I borrow money from Cash App? The factors Cash App takes into account when working out your eligibility are things like your state of residence and credit score. Don't worry, if you're not eligible, it might just be that Cash App has rolled back the Borrow feature in your state.

What is the minimum score for a personal loan? ›

Generally, borrowers need a credit score of at least 610 to 640 to even qualify for a personal loan.

What determines if you get approved for a personal loan? ›

Most personal loan lenders review your credit score, credit history, income and DTI ratio to determine your eligibility. While the minimum requirements for each of these factors vary for each lender, our recommendations include: Minimum credit score of 670.

How long does it take for a BSP loan to be approved? ›

Provided you have completed the form and satisfy all requirements, you should expect a response within one to two business days from the time you submit your application.

Can you get 2 loans from the same place? ›

Yes. Many lenders allow multiple outstanding personal loans. You can take out a personal loan from multiple banks or online lenders, as long as you qualify. If you already have a lot of outstanding debt, however, a lender might not approve you for an additional loan.

Can different lenders approve you for? ›

Different lenders may approve you for different amounts, give you different interest rates, or charge different fees. It's in your best interest to do your homework. Research the best lenders in your area, get pre-approved by a handful of them, and compare the rates they give you.

Can you get approved for a loan with a 500 credit score? ›

If conventional loans are more for experienced borrowers with credit scores in the Good range, FHA loans are aimed more at first-time homebuyers, especially borrowers with credit scores in the Poor to Fair FICO Score range. Anyone with a minimum credit score of 500 can apply for an FHA loan.

What mortgage can I get with a 500 credit score? ›

FHA Loans. An FHA loan is a loan backed by the Federal Housing Administration. If you're a first-time home buyer, FHA loans can be very attractive because of lower qualifying requirements.. The minimum credit score needed to get an FHA loan is 500.

What credit score is needed for a lender? ›

The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable rate mortgages (ARMs).

What is the easiest mortgage to get? ›

A Federal Housing Administration loan, or FHA loan, typically allows you to purchase a home with looser requirements — for example, you may get approved with a lower credit score or be able to get away with having a higher debt-to-income ratio. You'll typically only need to make a 3.5% down payment as well.

What is the lowest credit score you can have and still get a loan? ›

The typical minimum credit score to qualify for a personal loan is 560 to 660, according to lenders surveyed by NerdWallet. Some lenders may require a higher score. A high credit score doesn't guarantee you'll qualify or get a low interest rate.

Can I get a loan with a 524 credit score? ›

A 524 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.

What is the lowest credit score? ›

What is a FICO Score?
  • Very poor: 300 to 579.
  • Fair: 580 to 669.
  • Good: 670 to 739.
  • Very good: 740 to 799.
  • Excellent: 800 to 850.

What's the highest credit score without a mortgage? ›

The highest credit score you can have on the most widely used scales is an 850. For common versions of FICO and VantageScore, the scale ranges from 300 to 850 and lenders typically consider anything above 720 excellent credit.

How big of a loan can you get with a 500 credit score? ›

How much of a loan can you get with a 500 credit score? If you are looking for a personal loan, some lenders provide them for borrowers with a 500 credit score. You can borrow up to $10,000 through some of these companies. Three of these companies that you can try are MoneyMutual, CashUSA, and CreditLoan.

What is the lowest credit score to buy a house? ›

Generally speaking, you'll need a credit score of at least 620 in order to secure a loan to buy a house. That's the minimum credit score requirement most lenders have for a conventional loan. With that said, it's still possible to get a loan with a lower credit score, including a score in the 500s.

What score do you need for American Express? ›

According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.

What lenders use TransUnion only? ›

Which Banks Pull TransUnion Only?
  • Avianca.
  • Apple Card - Goldman Sachs Bank.
  • Barclays.
  • Capital One.
  • Synchrony Bank.
  • U.S Bank.

What is the minimum credit score for a low risk borrower? ›

Lenders generally view those with credit scores of 670 and up as acceptable or lower-risk borrowers. Individuals in this category are often considered “subprime” borrowers. Lenders may consider them higher-risk, and they may have trouble qualifying for new credit.

What is the lowest credit score to buy a car? ›

In general, you'll need a credit score of at least 600 to qualify for a traditional auto loan, but the minimum credit score required to finance a car loan varies by lender. If your credit score falls into the subprime category, you may need to look for a bad credit car loan.

Can I get a home equity loan with a 500 credit score? ›

Credit scores range from 300 to 850, with 500 or less categorized as poor credit. Fortunately for these borrowers, 500 credit score home loans are available, from the right low credit mortgage lenders. The same applies for borrowers looking for a home equity loan with a credit score under 600.

What is a non prime loan? ›

A non-prime mortgage is a loan program that does not fall in the same category standards as loans regulated by the federal government. They are typically made for borrowers who have had past negative credit events, which led to bankruptcy, foreclosure, short sale, or charge-offs.


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