Direct Payday Lenders

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Do not try to use payday loans to solve debt problems. If you are in debt you can apply for debt help now using the Online Form at the bottom of this page (UK Only)

Finding The Fastest Direct Payday Lenders

What Are Direct Payday Lenders?

Direct payday lenders are those companies that specialise in providing fast cash advances and which offer this service directly themselves. This is different to brokers, who will not lend the money directly, but who arrange the loans through other third party lenders. By going to a direct lender you may assume you are getting better value by missing out the middle man, but this is not always the case.

It is certainly worth starting with direct payday loan providers, but if you are struggling to be accepted, you may find more success with a broker. This is because they will run your application past several different lending companies, increasing your chances of being accepted. It is not always obvious which companies are direct payday lenders and which are brokers, but do not get too hung up on it.

How Do Payday Loans Work?

It is useful to understand what a payday loan is and how it works before you apply for one, just so that you are clear about what is expected of you and what the possible consequences are. The first thing to understand about payday loans is that they are always very short term. It is crucial that you really do only need the cash for a few weeks at most and that you can pay it back in full when the repayment becomes due. If you slip into trying to use the loan over a longer period, they become very bad value and frequently lead to spiralling debt problems.

The fees on cash advances are based on the lender being able to recover their costs over a very short period of time. This is different to an ordinary personal loan where the lender can get a little bit of profit every month for years. The fees that good lenders set are not unreasonable for an arrangement that lasts up to a month, but if you apply that rate over a longer period of time, they are astronomical. That is not what they are intended for and if used that way they are, by a huge margin, the most expensive way to borrow money.

So the main thing to remember is that you should not borrow money this way unless you are absolutely sure you can pay it back in full on the due date. Do not be tempted to use them to plug a gap between your income and your regular bills. If you have a debt problem you need to seek specialist debt advice. Do not borrow more money in these circumstances. Instead you should consult reputable debt management companies

A Way To Borrow Money With Bad Credit

One reason for the popularity of direct payday lenders is that they very often do not mind what sort of credit rating you have. This is because of the very short term and low value nature of these cash advances. A traditional loan company needs some assurance that you are capable of keeping up payments on any money they lend you for months and even years to come. This is why they care about your credit history.

With a payday lender, all they need to know is that you have enough money coming in to pay them back in full when you next get paid. This is a much simpler thing to check and only involves making sure that you have a job, what your salary is and that you have a bank account that can be used to repay the amount borrowed. Some companies still carry out credit checks but many do not. Even if they do, that bar for acceptance is set much lower than for other types of credit.

In general you will just need to be a UK resident, over 18 years of age and in steady employment earning above a certain amount each month. You will also need to prove that you have a suitable current account with a bank. If you meet these basic criteria it is highly likely that you will be approved for a cash advance.

US State Laws on Payday Loans

For US citizens, cash advance loans are sometimes restricted by the laws in your home state, so you may not be eligible for a loan in certain areas. There are currently about 11 US states where payday loans are prohibited or restricted.

Recommended Direct Lenders for Payday Loans
Top Choices For The UK

(see BELOW for US Lenders):

For the best possible chance of being accepted for a Payday Loan, complete the simple online form below. Your application will then be run past every direct payday lender in the UK that offers real time loan approval. As soon as your details are accepted by a lender you will receive an email with details of how to proceed.

Your chances of success by using this form are far greater than if you were to apply to any single lender:

Individual UK Payday Lenders And Brokers:

Top Direct Payday Lender: Payday Bank (UK Only)

One of the UK's leading payday lenders and one of the highest approval rates around. Fast and efficient and with competitive rates, Payday Bank offer loans between £80 and £750 and can usually get cash into your bank account on the same day you apply. Less than perfect credit is not a problem, and you should be eligible for a loan provided you are a UK resident, over 18 and earning over £750 per month.

Applying is very easy - just visit the Payday Bank Website and click on the 'Apply Online Today' button. You will need to fill in your contact details carefully and in full, and you will be asked for details of your employment and bank account.

One Of The Fastest Direct Payday Lenders:
Wonga (UK Only)

For those in a hurry, Wonga are pretty unbeatable. You could have up to £400 in your bank account in an hour from now! The first time you apply, £400 is the most you can get, but once you sign up and use them, they gradually increase your 'trust rating' so you can get up to £1,000. If you need more than £400 just go straight to one of the other lenders below.

Just visit the Wonga Website, select how much you want to borrow and how long you need it for, then go through the simple online application process. You should get an answer immediately and have money in your bank account very soon after that.

Direct Payday Loans From Payday Express (UK Only)

Main Points:
Payday Express Offer loans from £80 to £800 and provide a complete online service, with no faxing of documents or evidence.

The process involves carrying out a quick credit check (which only takes a few seconds), but this does not mean that if you have a poor credit record or a county court judgement that you will be refused.

You will know if you are accepted in just a few minutes and the cash will usually be in your bank the same day if you apply before 2.30pm. For later applications you will get the cash on the following day.

Eligibility:
Payday Express require you to be over 18 years of age, a UK resident (not necessarily a citizen), in regular employment with your wages going straight into a bank account and with a debit card for the same bank account.

Apply for a payday loan from Payday Express here.

US Lenders:
Direct Payday Loans For For US Citizens:

Top Choice And Fastest Lender: 100DayLoans

While this company can do exactly what the name suggest and offer you loans which give you 100 days to pay it back, this is subject to various conditions. Some states restrict how long you can have a loan for and the repayment period will vary depending which lender you end up using. Because they work with well over 100 different lenders, four out of five applicants are approved for a loan.

They famously claim that it takes 7 minutes to apply and you can have cash in your account in just one hour! Again, this does depend on the precise terms of the lender who offers you the loan. See if you can get a loan by filling out the Online Form on their website.

They do not offer loans in the following states: GA, WV, AZ and VA.

Highly Recommended For Direct Payday Loans:
Faxless Cash (US Only)

The clue is in the name with Faxless Cash - no faxing documents and no credit checks are required to get your loan. You can borrow up to $1,200 to begin with, which may be increased for future borrowing.

To qualify for a loan you must:

Have a job or other income of at least $1,000 per month;
Be a US citizen over 18 years of age;

Have either a checking or savings account with direct deposit facility.

Completing the online form does not mean you have to take out a loan, you can either decide to go ahead with what is offered or not. If you decide to go ahead, your application is processed in minutes and you will normally have money in your account the next day.

Go to their website and complete the simple online form to see how much cash you can get.

Direct Payday Lenders: Payday Loan Yes (US Only)

A very experienced, well established and ethical company who provide a hassle free honest service. They have been operating for over fifteen years and were one of the first payday loan companies to offer an online service. One reason for recommending them is that they cover more States than most direct payday lenders.

Loans are available to ALL STATES except New York, Georgia, Kansas, Delaware, Colorado, Illinois, Nebraska, West Virginia, Ohio and Montana.

You simply complete an application form then they get straight back to you with some documents to check and return (all electronically) then you are done. A carefully streamlined service designed to get cash to you as quickly as possible. To be eligible for a loan you must be a US citizen, over 18 years of age, and complete the applicaton form in full.

It will speed up the process if you have the following documents to hand when you are ready to fill in the application form; Your most recent pay stub, Your most recent bank account statement and a personal check.

To apply for a loan visit the Payday Loan Yes Website.

Direct Lenders For Payday Loans: Cash Central (US Only)

Main Points
Applying for a payday loan is done quickly online and you should get approval within seconds of submitting your application. The money will usually be in your account within 24 hours.

Cash Central are one of the largest cash advance lenders in the US and can offer loans to people in the majority of states where it is permitted. They are fully licensed by each state they operate in so you are protected by state law.

States Covered:
Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Montana, Nevada, New Mexico, North Dakota, Rhode Island, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming.

Eligibililty:
For a Cash Central loan you must have been in work for at least three months and bringing home at least $1,000 per month. You need to have a checking account with a bank (in your name) and be a US citizen.

Apply for a payday loan from Cash Central here.

Related Sites:

Online Payday Advances

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