Payday Loans

 Up to $1,000

Personal Loans

 Up to $40,000

Business Loans

 Up to $100,000

Mortgage Loans

 Up to $3,000,000

CashNetUSACashNetUSA

  • Must be over 18 years old
  • Immediate approval time
  • Proof of stable income, $750 monthly minimum
Loan amount:
$100 -
$1,500
Loan terms:
8–45 days
Interest APR:
187.33% - 912.5%
Funding time:
Next day
Get Started Now
Check CityCheck City

  • Must be over 18 years old
  • No credit check
  • Proof of stable income, $1,000 monthly minimum
Loan amount:
$100 -
$2,500
Loan terms:
7–30 days
Interest APR:
182.5% - 782.14%
Funding time:
1 business day
Get Started Now
Check Into CashCheck Into Cash

  • Must be over 18 years old
  • Bad credit OK
  • Proof of stable income, $800 monthly minimum
Loan amount:
$100 -
$1,500
Loan terms:
7-30 days
Interest APR:
153% - 1042%
Funding time:
Same/Next Day
Get Started Now
Check `n GoCheck `n Go

  • Must be over 18 years old
  • No credit check
  • Provide proof of income
Loan amount:
$100 -
$600
Loan terms:
7–45 days
Interest APR:
261% - 677%
Funding time:
1-2 days
Get Started Now
Cash CentralCash Central

  • Must be over 18 years old
  • No credit check
  • Proof of stable income, $600 monthly minimum
Loan amount:
$100 -
$255
Loan terms:
2-4 weeks
Interest APR:
214.61% - 214.62%
Funding time:
1 business day
Get Started Now
OppLoansOppLoans — Personal Loans

  • Must be over 18 years old
  • No minimum credit score
  • Proof of stable income, $1,500 monthly minimum
Loan amount:
$1,000 -
$4,000
Loan terms:
6–36 months
Interest APR:
36% - 199%
Funding time:
1-2 days
Get Started Now
AvantAvant —
Personal Loans

  • Must be over 18 years old
  • Provide proof of income
  • Have credit scores in the 600 to 700 range
Loan amount:
$1,000 -
$35,000
Loan terms:
24–60 months
Interest APR:
9.95% - 36%
Funding time:
2 days
Get Started Now
Lending ClubLending Club — Personal/Business Loans

  • Must be over 18 years old
  • Provide proof of income
  • Personal loans up to $40,000
Loan amount:
$5,000 -
$300,000
Loan terms:
1–5 years
Interest APR:
5.99% - 35.89%
Funding time:
3-5 days
Get Started Now
UpstartUpstart — Personal Loans

  • Must be over 18 years old
  • Provide proof of income
  • Minimum credit score of 620
Loan amount:
$1,000 -
$50,000
Loan terms:
36–60 months
Interest APR:
4.89% - 29.99%
Funding time:
1-2 days
Get Started Now
NetCreditNetCredit — Personal Loans

  • Must be over 18 years old
  • Provide proof of income
  • No minimum credit score requirement
Loan amount:
$1,000 -
$10,000
Loan terms:
6–60 months
Interest APR:
35% - 155%
Funding time:
1-2 days
Get Started Now
Kabbage Business LoansKabbage — Business Loans

  • Must be over 21 years old
  • No fees or charge until you take cash
  • Direct deposit into a bank or PayPal account
Loan amount:
$2,000 -
$100,000
Loan terms:
1–12 months
Interest APR:
32% - 108%
Funding time:
Same day
Get Started Now
Rocket Mortgage by Quicken LoansRocket Mortgage by Quicken Loans

  • Offers 5/1, 7/1, 10/1 ARMs
  • Offers fixed-rate loans of 8-30 years
  • Minimum credit score of 620 (580 for FHA loans)
Loan amount:
$25,000 -
$3,000,000
Loan terms:
8–30 years
Interest APR:
2.957% - 3.99%
Funding time:
5-7 days
Get Started Now

Not having sufficient funds for an unexpected expense can cause stress. There are many scenarios in which an unforeseen expense can cause people to require short-term help to quickly access the funds they need. Some people may seek help from friends or family, and others may have options to access credit through a bank. However, these options can be time consuming and not available to everybody.

If you are faced with an unexpected expense, and have limited options to access money, an online direct loan lenders may be a viable alternative.

Online direct lenders often offer small dollar loans such as payday loans, installments loans and/or lines of credit to help alleviate the stress of short-term financial challenges.

Typically, the process involves completing an online loan application. If approved by the online direct lender you may have access to your money by the following business day*.

* When and how the funds are made available to you is subject to the terms of the online direct lender and the financial institutions involved in the process.

What are direct loan lenders online?

Online direct loan lenders evaluate and underwrite your online loan application and, if you are approved, will provide you with a loan in accordance with their terms. You should only borrow from online direct lenders that are state licensed. This means that they are licensed to operate and conduct business in your state of residence, and that they comply with all federal and state lending rules and regulations.

What to look for when applying for a loan from an online direct lender:

  • Direct loan lenders online should mention all types of loans available in your state (e.g. installment loan, payday loan, line of credit) and clearly explain all applicable rates and terms, including those related to any cash advance.
  • An online direct lender should mention all of the loan rates and terms on their website. If they are state licensed, they will also have links that display their state licenses which show that they are legally allowed to lend in that state. A direct lender will review your information, determine your eligibility and, if you are approved, they will fund your loan.