Payday Loan Direct Lenders

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As a payday loan direct lender, Advance America is proud to help you obtain a short-term loan without having to deal with multiple companies. Apply for a loan today either in-store or online and we will guide you through every step, from starting your application to funding the loan. TX is the only state where we arrange loans that are funded by a third party direct lender.

What is a payday loan direct lender?

Payday loan direct lenders are in charge of lending you the money you need in the form of a short-term loan. Additionally, they oversee all steps of the lending process, from borrower approval to funding to repayment of the loan.

How do payday loans from direct lenders work?

Payday loans from direct lenders let you receive the money you need quickly so you can be covered before your next paycheck. With a payday loan, you can fill out a quick online application that will require personal and financial information, such as your checking account and proof of income. Many direct lenders have a quick decision process, and you may get approved right away. Once you get approved, you can get the money deposited into your bank account as soon as that same day.

What are the advantages of using a payday loan direct lender?

The main benefit of using a payday loan direct lender is the ability to use only one company to obtain a loan, instead of several. In turn, direct lenders won’t share your information with any third parties, and work to approve you for a payday loan within minutes.


Get a loan approval decision quickly since Advance America does not work with third parties to lend you money.


Advance America keeps your information safe and does not share your details with third parties.


Advance America works directly with you so you understand your loan options, rate and fees, and repayment details.

How to apply for a payday loan with a direct lender

Here are some steps you can take when applying for a payday loan with a direct lender:

1. Choose your direct lender

Compare direct lenders and the loans they offer to find the right option for you. Make sure the lender you choose is safe and legitimate by searching for them on the Better Business Bureau and looking at customer reviews.

2. Make sure you meet the lender’s requirements

Loan requirements can vary depending on the lender, so make sure you meet all eligibility criteria before you begin your application. Some requirements may include being a U.S. citizen or permanent resident, being at least 18 years of age, having a regular source of income, and having a valid social security number.

3. Fill out an application online or in-store

You can apply for a payday loan online or in-store, depending on the lender. If you are applying in-store, you can visit your lender’s storefront in your state of residence. If applying online, you can fill out an application on your computer or mobile device from the comfort of your home.

4. Wait for approval

Once you submit your application, all you need to do is wait to get approved. You may get a decision instantly or within a few minutes, depending on the lender’s approval process.

5. Get your funds quickly

If you get approved for a payday loan, you can receive the funds directly in your bank account. Depending on the lender, you might get your money the same day you apply or within a few business days.

Choose Advance America as your payday loan direct lender

Advance America payday loans can get you fast cash before your next paycheck, and you don’t need good credit to get approved. You can fill out a quick and easy application online or in-store and may receive a decision instantly. If approved, you can receive the money that same day if you apply in-store, or if you submit your online application before 10:30 AM EST. Whether you need to pay for daily finances or cover an unexpected expense, a payday loan from Advance America can give you the funds you need right away.

CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans