Get Guaranteed No Denial Payday Loans Direct Lenders Only in 2023

Do you need a small sum of money immediately? Are you looking for the best payday loans? If yes, then why don’t you go for no denial payday loans direct lenders only? They will approve your loan request within minutes and you will also get the loan amount in your bank account within a single business day. In this article, we will introduce you to some of the best Direct Lender Payday Loans. We will also discuss its benefits, application process, and other important things that you need to know. So now let’s get started. 

What is a No Denial Payday Loans Direct Lenders Only?

Payday loans

No denial payday loans direct lenders only are basically those payday loans, which are given to the borrowers by direct lenders. There is no third party, the lender directly lends the money to the borrower. Direct lenders offer instant payday loans to people and the application process is also very easy. 

The best part is, you do not need to run to any office. You just need your laptop or mobile phone and a stable internet connection and you will easily get a payday loan while sitting at your home. There is no need for any paperwork. 

Even if you have a bad credit score, you do not need to worry, as we mentioned, these are no denial payday loans. So even if your credit score is bad, your loan application would not be denied. You will get the loan. Though the loan amount and loan interest rate may vary.

Benefits of No Denial Payday Loans Direct Lenders Only

Here are some of the benefits of getting a payday loan from direct lenders. 

1. You Get to Apply for the Loan Online

The best part about taking direct lender payday loans is, you do not need to go to the office physically. So you just need your PC, mobile, or tablet and a stable internet connection. The whole process, from sending the loan application to repaying the loan takes place online. 

2. No Paperwork is Needed

When you go to the bank for a loan, you need to submit your documents like identity proof and income proof, when you apply for an online loan, you need to fax your documents to the lender. But when it comes to direct lenders they provide payday loans that don’t require faxing the documents. You can just attach the required documents to the online application form itself. 

3. Loan Approval Process is Fast

Where banks take days to approve your loan request, direct lenders take approval decisions within minutes. So after applying for a loan, just within 4 to 5 hours, you will get to know if your loan application is approved or not. 

4. Good Option for Bad Credit Holders

Direct lenders provide no denial payday loan bad credit to people with no credit history or bad credit score. Though the interest rate and loan amount may vary, bad credit holders will definitely get a payday loan. 

5. Short-Term Loans

You might not know, but direct lenders are the best for payday loans and short-term loans. Where banks and credit unions have rigid terms and payment dates, direct lenders provide payday loans and short-term loans with flexible repayment dates and other terms. 

Qualifications to Get Direct Lender Payday Loans

Qualifications to Get Direct Lender Payday Loans

In order to get no denial payday loans direct lenders only you will need to check all the following qualifications. 

  • To get a payday loan from a direct lender, your age shall be 18 years or more.
  • You must be a resident of the U.S.A. 
  • Your income must be regular and steady. (You will need to give income proof when you will apply for the payday loan from a direct lender)
  • You must have your official email address and phone number. 
  • You also need to have your own active bank account. 

If you pass all these qualifications then you can easily get legitimate payday loans online from direct lenders.

Best Direct Lenders for Payday Loans

Here is a list of the best direct lenders that will definitely provide you with a payday loan even if you have a bad credit score. 

1. Avant 

Avant

If you are looking for legitimate payday loans online direct lenders then Avant is a very good option for you. They provide a maximum loan of up to $35,000, but since you need a payday loan, you can apply for the minimum loan amount they provide, which is $2,000. The only issue is, they would not help you build your credit or give you a loan for debt consolidation. Hands down, Avant is one of the best legitimate payday loans online direct lenders

In case your credit score is 660 to 800, you can easily get a loan at an APR of as low as 9.95%. They generally deposit the loan amount into your bank account within a single business day. If you fail to repay the loan on time or miss the repayment date, then you will have to pay a late fee of $25. There can also be an origination fee of 0.00% to 4.75%, depending on your credit score. 

Features

  • Minimum Credit Score: 550
  • Loan Amount: $2,000 to $35,000
  • Loan Term: 1 to 5 years
  • APR Range: 9.95% to 35.95%
  • Minimum Annual Income: $14,400
Pros

  • You can use their mobile application for easy loan repayments. 
  • You can apply for pre-qualification with a soft credit pull. 
  • They allow you to change the payment date. 
  • They deposit the loan amount within 1 to 2 business days after loan approval.  

Cons

  • There can be an orientation fee for low-credit holders. 
  • They do not provide secured, joint, or co-signer loans. 
  • You will not get any discount rates.

2. OppLoans

OppLoans

Do you have a really bad credit score or no credit history at all and you are worried if you will get a payday loan or not? Well, OppLoans got your back. It is one of the best guaranteed payday loan direct lender because they provide small loans without conducting a credit check. They provide short-term loans for all your urgent money needs. 

The best thing about OppLoans is, they provide personal assistance to every customer to help them choose the best loan for themselves. You also get to decide the loan repayment date. Also, they report your payments to all the credit bureaus which ultimately helps you to improve your credit score. 

Features

  • Minimum Credit Score: Zero Credit 
  • Loan Amount: $500 to $4,000
  • Loan Term: 9 to 18 months
  • APR Range: 59.00% to 160.00%
  • Minimum Annual Income: N/A
Pros

  • Immediate funding after loan approval. 
  • You can plan the repayment date as per your payday. 
  • It also reports your payments to all the credit bureaus, which ultimately helps in building your payment. 

Cons

  • The APR is very high. 
  • The interest rate might make up 50.00% of the total loan amount. 

3. LendingPoint

LendingPoint

If you are someone with a credit score of 600 or more then you can definitely go for LendingPoint. You can apply for a loan at any time of the day because they provide a 24*7 payday loan. The best part is, they also approve pre-qualification, so before actually applying for a payday loan, you can see at what rates you would get the loan. 

Also, after approval, they deposit the loan amount in your bank account within 1 to 2 business days. In order to get a loan from LendingPoint, you need to have an active bank account with at least 40 days of credit history. They also allow you to prepay your loan without any extra fees. 

Features

  • Loan Amount: $2,000 to $36,500
  • APR: 7.99% to 35.99% 
  • Orientation Fee: 0.00% to 8.00%, depending upon the state and loan amount
  • Minimum Required Credit Score: 600
  • Loan Term: 2 to 5 years
  • Minimum Required Annual Income: $35,000
Pros

  • You get to apply for pre-qualification. 
  • They offer a user-friendly mobile application. 
  • The loan funding is very fast, as the loan amount is deposited within 1 to 2 business days. 
  • You can change your payment date. 
  • Affordable interest rate. 

Cons

  • An orientation fee can be there. 
  • They do not provide secured, joint, or co-signer loans.
  • It reports to only 2 credit bureaus out of 3. 

4. Ace Cash Express

Ace cash express

Are you looking for payday loans online no credit check direct lender? If yes, the Ace Cash Express is there for you. They provide payday loans to people with a bad credit score, that too online, without any hassle or paperwork. But to get a loan from Ace Cash Express, your age should be 18 years or more and you will also need to provide them with your valid identity proof. They offer the best no credit check payday loans no denial. 

Ace Cash Express also provides co-signer loans. So if your credit score is extremely bad, you can get a loan with someone with better creditworthiness. They only provide installment loans so it does not disbalance your budget and you can easily repay the loan in small installments. 

Features 

  • Minimum Credit Score: 300 to 640
  • Loan Amount: $100 to $2,000
  • Loan Term: 1 to 3 months
  • APR Range: 91.52% to 630.13%
  • Minimum Annual Income: N/A
Pros

  • You do not need to pay any fees before actually receiving the loan amount. 
  • They deposit the fund in the applicant’s bank account within 1 to 3 business days. 
  • They also provide co-signer loans.  

Cons

  • The APR is extremely high. 
  • They do not offer pre-approval. 
  • Late fees and orientation fees are there. 

5. LendUp

LendUp

LendUp provides the best no denial payday loans because they do not conduct a credit check before the loan. So even if you have a bad credit score, you can actually get a loan from them. But the major problem with LendUp is, their APR is extremely high and can be up to 913.71% for bad credit holders.

Their rates and terms can also vary from state to state. They provide you legitimate payday loans online. LendUp was established in the year 2012 and since then, it is providing financial aid to people in need. You can use the loan money provided by LendUp to pay for fuel, rent, medical bills, or any other necessity.

Features

  • Minimum Credit Score: None
  • Loan Amount: $100 to $255
  • Loan Term: 7 to 30 days
  • APR Range: 214.13% to 913.71%
  • Minimum Annual Income: N/A
  • Funding Period: 1 to 2 business days
Pros

  • There is no fee for the prepayment of the loan. 
  • They do not check your credit score. 
  • People with bad credit scores or no credit history can also get payday loans. 

Cons

  • The APR is extremely high. 
  • The repayment period is very short. 
  • Loan services are only available in 7 states. 

6. Blue Trust Loans

Blue trust loans

Blue Trust Loans provides online payday loans with an APR of 471.78% to 841.45%. The loan amount of $100 to $2,500 is perfect for a payday loan, but the APR is extremely high, even for people with a good credit score. Also, you will need an annual income of $10,200 in order to get a payday loan from Blue Trust Loans. 

In case you miss one of the monthly payments, Blue Trust Loans will not charge and fine for the first payment miss. Also, if you decide to pay the Blue Trust loan early, they will not charge any extra fee on this. So basically there is no late, prepayment, or orientation fee. 

Features

  • Minimum Credit Score: 300 to 650
  • Loan Amount: $100 to $2,500
  • Loan Term: 6 to 12 months
  • APR Range: 471.78% to 841.45%
  • Minimum Annual Income: $10,200
  • Funding Period: 1 to 2 business days
Pros

  • No orientation fee. 
  • No prepayment fees. 
  • Fast funding, just within 1 to 3 business days after loan approval. 
  • They provide loans to people with bad and fair credit scores.

Cons

  • The APR is extremely high. 
  • You will have to pay a late fee if you do not pay the loan on time. 
  • It will not help you improve your credit score. 

How Do the Direct Lenders Payday Loans Work?

How Do the Direct Lenders Payday Loans Work?

It works just like any other lending service. Direct lenders are those lenders who directly deposit the loan amount into the borrower’s bank account, without the involvement of any third person or party. Direct lenders provide payday loans to the applicants and the applicant has to repay the loan amount along with the interest rate on their payday. 

Several direct lenders provide guaranteed payday loans no denial. And most of them also offer pre-qualification, so that before actually applying for the loan and suffering the hard pull, you can actually know what rates would be offered to you with just a soft credit inquiry.   

How to Get a Payday Loan from a Direct Lender: Application Process

To apply for a payday loan, you will need to follow the procedure given below. 

1. Find an Appropriate Lender

First of all, do your research. Find the direct lenders that can provide you with a payday loan at the income and credit score that you have. See all the available options and then compare the rates and terms and see which one suits your requirements best. Do not forget to consider your debt-to-income ratio.

2. Apply for Pre-Qualification

Now that you know which direct lender would be perfect for you, see if they offer pre-qualification. Apply for pre-qualification to know what amount and rates you would get if you apply for the loan. 

3. Think About the Offered Deal

By now, you know about the rates and loan amount you would get. See if you are satisfied with the offered deal. If you like it then you can move ahead and send the loan application.  

4. Send the Loan Application

In order to send the loan application, you will need to go to the official website of the lender and create your account using a username and password. You will also need to provide other necessary information like your full name, address, contact details, etc.

Once you log in to your account, you will find an option to apply for the loan. Click on that tab and it will direct you to the loan application form. Fill out the loan application form and keep your important documents in scanned form. You might need to attach them to the loan application. Once you have completely filled out the form, recheck it and send it.

5. Receive the Fund 

Once you apply for the loan application, your loan application would be approved within a single day. So after the application approval, the loan amount would be deposited into your bank account within 1 to 3 business days. 

Should You Go for No Denial Payday Loans Direct Lenders Only? 

It is not at all difficult to get no denial payday loans direct lenders only. In fact, you can get the best direct lender payday loans. There are so many options to choose from. But before sending your loan application to a direct lender, make sure that you apply for pre-qualification. So that you can know if you will get the loan or not without going through a hard credit pull. 

Also, make sure that you consider all the important factors like interest rate, loan term, loan amount, etc, before sending your loan application. Check the ratings and reviews of the direct lenders as well, because these days, there are several misleading direct lenders in the market. 

FAQs: Frequently Asked Questions

Q1. What are the best online payday loans from direct lenders?

Some of the best online no denial payday loans direct lenders only are Avant, Opploans, LendingPoint, Ace Cash Express, LendUp, as well as Blue Trust Loans. These direct lender payday loans are easy to get and the application and approval process is also very easy. Moreover, the loan amount is deposited into your bank account within 1 to 3 business days. 

Q2. What time do you get paid on payday direct deposit?

If you apply for direct lender payday loans then they approve your loan application within 4 to 5 hours or a maximum of one business day. And after the application approval, the loan money is deposited into your bank account within a maximum of 2 to 3 business days. Some direct lenders also deposit the loan money immediately after the loan approval. 

Q3. What happens if I close my bank account and default on a payday loan?

Even if you close your bank account, you will have to pay the loan money. If your loan is joint or co-signer then the other person with you will have to repay the loan amount. Otherwise, if it is an individual loan then the direct lender will send you an email or contact you through the information provided. If you try to avoid repaying the loan then the direct lender can also take legal action against you. 

Q4. What are 3 alternatives to getting a payday loan?

If you do not want to get a payday loan then you can also for: 

  1. A short-term loan from the bank.
  2. You can use a credit card.
  3. You can borrow some money from your friends or family.

Leave a Comment