7 Legitimate Payday Loans Online Direct Lenders

This article will explore the 7 legitimate payday loans online direct lenders.

Lenders frequently seek out borrowers in need of extra cash. Many lenders are competing for your business, making it tough to choose the correct one for your needs.

Choosing the best one might be challenging. When borrowing, To help you make an informed decision on where to borrow your money, we’ve compiled a list of seven reputable direct payday loan providers.

Legitimate Payday Loans Online Direct Lenders
Photo credit: Tampa bay Times

How to Get an Instant Payday Loans Online Guaranteed Approval

If you don’t have time to go to a bank, you may apply for a payday loan online. It is possible to make a fast decision from a reliable payday online direct lender.

Your personal and financial details will be required to secure an online payday loan. Income, employment, and bank account information are all included. Once you’ve accepted the loan conditions, you’ll need to sign a contract.

Accepted applicants will receive their cash in as little as 24 hours. After that, you’ll have 14 days to pay back the loan.

Payday loans have a high-interest rate, so be sure you can afford the repayments before you apply for one of these loans.

A quick payday loan might be a fantastic alternative if you need a short-term loan but don’t want to walk into a store. Choose wisely and do your research before deciding on a lender.

List of the 7 Legitimate Payday Loans Online Direct Lenders

Below is the list of the 7 legitimate payday loans online direct lenders:

#1. Money Mutual

For a variety of reasons, MoneyMutual is our top-rated online lending marketplace. This service allows consumers to acquire money in as little as 24 hours.

According to the Federal Reserve’s Economic Well-Being of US Households survey, four in ten Americans cannot come up with $400 in an emergency.

One of MoneyMutual’s specialties is helping customers get short-term loans of up to $5,000 from the marketplace of lenders with whom it conducts business.

An online lender may accept your loan minutes after submitting your completed application form, which takes around five minutes to complete.


  • Up to $5,000 in short-term loans
  • Lenders can advertise their services in an online marketplace.
  • Funds are accessible as soon as the next business day.
  • Online forms may be completed in less than five seconds.
  • 2 million clients have put their trust in us
  • Not accessible in New York or Connecticut.

#2. Cash USA

CashUSA.com is one of the most excellent alternatives to payday loans that we’ve come across. Regarding interest rates and loan conditions, it’s upfront about what’s available and how much it will cost.

Interest rates range from 5.99 percent to 35.99 percent, with loan durations ranging from 90 to 72 months.

An APR of 7.9 percent for a two-year personal loan of $1,500 is provided as an example on the website.

$1,626.54 would be reimbursed by making 24 installments of $67.77 each. Borrowing $1,500 for two years will cost you $126 in total.


  • Financing options ranging from $500 up to $10,000
  • Get a verdict on your loan in just a few minutes.
  • Your bank account will be credited with your money.
  • You can use the money to any use you choose.


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#3. BillsHappen

To find out if you’re eligible for a direct lender, BillsHappen provides a simple online form. Filling out the form to see if you’re prequalified does not affect your credit.

The network will ask you to provide some information, such as your home location and state, your name and email address, your mobile phone number, and your primary source of income.

Military personnel and their dependents will also be asked about their status. Your pay date and frequency, employer name, and whether you are paid by paper check or direct deposit will also be requested.

Instantaneously, lenders evaluate your information to see whether they’d want to deal with you.

The following business day, if they approve your loan, you’ll be sent to their website to complete their paperwork, study the conditions of the loan, and accept the loan.


  • Loans of up to $5,000 are available in a matter of minutes.
  • Get a variety of choices by filling out one form.
  • All credit ratings are welcomed.
  • Requires a checking account and a social security number
  • According to CNN, Fox News, and other outlets.

#4. Credit Loan

Users with bad credit may acquire modest loans ranging from $250 to $5,000 with the aid of CreditLoan. It has helped over 750,000 people obtained a direct lender since its beginning in 1998.

30% of Americans, according to its website, have credit ratings that are too low to qualify for a loan.

You may be eligible for better loan conditions depending on your credit score. When a credit check is conducted, a score of less than 630 is often regarded as adverse credit.

To aid those with poor credit, CreditLoan is dedicated to doing so. Getting a loan from the firm may be used for anything, even paying back child support, according to what the company tells consumers. Loan approval will not be affected if you have to pay child support.


  • There are loans ranging from $250 to $5,000.
  • The direct transfer of funds into your bank account
  • As soon as tomorrow, you’ll be able to cash in.
  • OK, if you have bad credit.
  • Since 1998, more than 750,000 clients have purchased from us.

#5. Bad Credit Loans

Payday loans, for example, are well explained by BadCreditLoans. Instead of being a direct payday lender, Bad Credit Loans connects customers with trustworthy direct lenders and financial service providers who can provide a rapid payday loan.

When it comes to dealing with e+thical lending partners and educating their clients, Bad Credit Loans says so on their website. To protect your personal information, it employs the most powerful encryption technologies.


  • Financing options ranging from $500 up to $10,000
  • Get a loan from a lender.
  • a straightforward application and timely funding
  • If authorized, you’ll get your funds as soon as the next business day.

#6. Personal Loans

Customers may find loans ranging from $500 to $35,000 through the PersonalLoans.com lender network.

Payday advances don’t require much money because you pay them back with your next paycheck.

By selecting lenders that deal with customers with terrible credit and those in need of an emergency loan, PersonalLoans.com makes it easier for consumers to repay their short-term loans.


  • Loans of up to $35,000 are available.
  • a broad network of lenders
  • Decision on a loan in a matter of minutes
  • You can use the money to any use you choose.
  • If accepted, funds will be made available as soon as the next working day.

#7. Cash Advance

Some of the minor loan amounts we’ve seen may be found with CashAdvance’s assistance. A credit check may not be required to accept these small-dollar loans from $100 to $1,000 from the company’s lenders.

At least $1,000 in monthly income and at least 90 days on the job are required by the lending network.

Customers may reach CashAdvance’s customer service team via phone or email anytime or at night.


  • A 100-to-1,000-dollar short-term loan
  • Avast network of financial institutions
  • Your loan may be approved within minutes.
  • If approved, money is accessible the next working day.

 When it comes to payday loans, there are a lot of alternatives to pick from; choosing the best one might be challenging.

When borrowing, you must do your homework and work with a reputable lender like CashOne.

Thanks to our simple application procedure and rapid approval periods, we can help you acquire the money you need when you need it.

Watch the video below to know the legitimate payday loans online direct lenders:

About Author

Legitimate Payday Loans Online Direct Lenders
Lydia Alolade
I am a professional article and e-book writer with 4 years of experience, I write on well research content on cryptocurrency, stocks, loans and finances.

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