Online Payday Loans Direct Lenders Only, No Third Party

With so many different financing options available today, finding the right lender – or even the right type of lender – is more of a challenge than ever before.

Luckily, though, direct lender loans offer enough significant events and advantages to separate themselves from the rest of the pack.

Those looking for financing quickly, without a lot of hoops to jump through, and without a lot of unnecessary expenses are going to love everything that direct lender loans bring to the table.

In the rest of this detailed guide, we run through all of the things that make these loans so special. We cover the basics of how these loans work, the benefits and advantages of these lending packages, as well as how to find the right direct lenders to move forward with.

About Direct Lender Loans

To put it simply, direct lender loans are lending offers or loans available from lenders that do not work through intermediaries.

Unlike traditional lenders (including mortgage brokers, for example) direct lenders cut out the middleman completely. These lenders originate their own loans, secure financing for their own financial packages, and offer this money directly to loan applicants.

Because of this, these loans have a whole host of significant advantages that traditional lending offers cannot match.

It's unsurprising that these kinds of loans have become as popular as they are today, especially with the help of the internet – which allows direct loan lenders to operate from almost anywhere and lend to anyone!

Benefits of Direct Lender Loans

Now that we've covered the basics of what direct lender loans are, it's important to go over the biggest benefits that they provide.


The greatest advantage of direct lender loans has to be the speed of the lending services.

With a traditional mortgage broker, for example, it might take a couple of weeks (or even a month or more) just to get a sitdown meeting with a loan officer. Then the whole process begins, jumping from one desk to the next, bouncing around between a bunch of different middlemen and managers before eventually circling back to the loan applicant.

Direct loan lenders eliminate all of that completely.

In fact, some direct lender loans are available immediately after the application has been processed. Plenty of operations in the industry provide the funds that they lend out inside of 24 hours or less. If speed is of the essence, these kinds of loans are the way to go.

Bad credit considered

Direct lenders are more flexible when it comes to lending to a person with a fair or a bad credit score. If you have a bad credit then approaching a direct online loan lender should be your first option if you need an emergency loan fast.

Unfortunately, onlinelenders cannot promise guaranteed direct lender loans to all applicants, but there is always a way to come up with a solution.

No third party

Dealing with the lender without the middleman is another huge advantage that direct loan lenders enjoy.

Because these lenders are direct to consumers, this allows lenders to work with pretty much anyone and everyone under the sun. It also allows buyers to work with direct lenders to purchase properties anywhere around the country, too.


Let's not forget about the flexibility that these types of lenders offer, too.

Traditional lenders may be a little more risk-averse and a little shy about lending money to different types of individuals (particularly those with less than picture-perfect credit histories.

Because these larger lenders often have a very strict system of who gets approved and who does not, and because they have more overhead, they aren't able to look at each individual loan as an individual event.

Lenders offering direct lender loans don't have that problem!

They can be much more flexible, much more accommodating, and much more available to individuals that would have had trouble getting financing from traditional lenders.

Choosing a Direct Lender

Here's a quick rundown of how to find the best direct lender loans available on the market today!


With so many different direct lender loans out there to pick and choose from it's critical to research the reputation of the lender before moving forward.

You need to know how the industry at large feels about that organization. You need to know how past customers feel about that organization, too. It's important that you work with 100% legitimate operations that you know you can trust.

Interest Rate

Interest rates from direct lender loans are (generally) going to be a little bit higher than what you might have expected from a traditional lender.

At the same time, low interest rates are not impossible to find – particularly with a bit of research.

Take your time to do your due diligence, compare different loan offers from direct lenders, and make sure that you know just how much your loan is going to cost going forward.

Closing Costs

Be sure to roll this into the final figure and see how it stacks up against the rest of the competition. You want to make sure that you are paying as little out-of-pocket and as little over the long haul as you can with this kind of financing package.

Processing Time

As we mentioned earlier, a big part of the popularity of these kinds of loans is their speed.

See how long it's going to take for the loan application to be processed, how long the approval time takes (general) and how long it's going to take for you to actually get your hands on the money that you are taking a loan out for.

All of that will help you know whether or not one operation is a better fit than another.

Customer Service

Finally, it's important to make sure that you're working with a direct lender that has great customer service and support.

Ideally you won't have to get in touch with customer service all that much. But you want to know that if something does go sideways with your loan you're able to get real, personal ASAP.