Payday Loan Direct Lenders

Your Trusted Source For Money Solutions


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Direct payday lenders like Advance America can get you the short-term loan you need without hassle. We make it easy to apply for an in-store or online payday loan, receive an instant approval decision, and have money in the bank when you need it most.

Let's explore payday loan direct lenders and why they're a great source for money solutions – even if you’ve been denied a loan by your bank.

What is a payday loan direct lender?

Payday loan direct lenders lend money in the form of short-term loans. Unlike other online lenders or brokers that work with multiple companies, direct lenders oversee every step of the loan process. As such, a direct lender will approve the borrower's application, fund the payday loan, and manage the repayment process.

When you need cash, a direct payday lender like Advance America is the only place you need to go!

How do payday loans from direct lenders work?

Since direct payday lenders streamline the loan process by keeping everything in-house, borrowers can quickly get the money they need — often the same day they apply!

When you need a payday loan, complete a short application in-store or online. There’s no hard credit pull, but you must provide some personal and financial information, such as your checking account and proof of income.

Many direct lenders, including Advance America, have a quick decision process. You may even get approved right away. Once approved, the money is deposited directly into your bank account. You’ll then repay the loan in full on your next payday.

What are the advantages of payday loan direct lenders?

The main benefit of choosing a payday loan direct lender is that you only deal with one company to apply for, obtain, and repay your short-term personal loan. In addition, unlike many lenders who work with third parties, direct lenders won't share your personal or financial information. Best of all, they can approve you for a payday loan within minutes!

As a payday direct lender, here are just a few benefits we offer:


Since Advance America’s lending process doesn’t involve outside companies, you can enjoy an instant loan approval decision. And best of all, you won't have to deal with extra third-party accounts or paperwork to repay your loan.


Advance America keeps your information safe and never shares your details with third parties. We also require additional security measures like multi-factor authentication on our online customer accounts. There’s a reason we’ve been a trusted payday loan provider for more than 25 years.


Our financial solutions are designed for borrowers with all types of credit histories. So, if you think you can’t get a loan because of bad credit, think again! We base our approval decision on factors beyond your credit score, like your employment status, current debts, and payment history.

Unlike other lenders, we work with you directly, helping you understand your loan options, rate and fees, and repayment details. If you’re ever confused about the terms of your payday loan, our knowledgeable staff can help! Just reach out to your local Advance America store or contact Customer Care via phone or chat.

How to apply for a direct lender payday loan

Direct lenders make it easy to apply for a payday loan. The process takes just a few minutes, and you can receive money as fast as the same day you apply. Here’s how it works:

1. Choose your payday loan direct lender

Shop around to compare direct payday lenders. Review their loan terms, fees, and repayment process to ensure you can repay the loan on your next payday.

Finally, ensure the lender you choose is safe and reputable. Reading customer reviews on Trustpilot is an easy way to determine if a direct payday lender will meet your needs.

2. Make sure you meet the direct lender’s payday loan requirements

Payday loan requirements can vary between direct lenders, so make sure you meet all eligibility criteria before applying. For example, some conditions may include being a U.S. citizen or permanent resident, having a valid Social Security number, being at least 18 years of age, and having a regular source of income.

3. Fill out a payday loan application online or in-store

You can apply for a payday loan online or in-store, depending on the direct lender and your state of residency. Advance America operates in 24 states nationwide. Use our store locator to find your nearest location.

If you prefer to apply online, complete an application on your computer or mobile device at your convenience.

4. Wait for the direct payday lender to make an approval decision

Once you submit your payday loan application, you won't have to wait long for an approval decision. You may even receive a decision instantly depending on the direct lender's approval process. In some cases, it may take a few minutes or hours.

5. Get your funds from the direct payday lender fast

Most direct lenders will deposit funds directly into your bank account if you're approved for a payday loan. Depending on your direct payday lender, you might get your money the same day you apply — or within one or two business days.

Why choose Advance America as your payday loan direct lender?

As a direct payday loan lender, Advance America can get you the extra cash you need before your next paycheck. And you don't need good credit to qualify.

Fill out our quick and easy application online or in-store. If approved in-store or online before 10:30 AM EST, you'll receive your money that same day. Online applications approved after the daily cutoff time are typically funded the next business day.

Whether you need money to pay for daily essentials, avoid late fees, or cover an unexpected expense, a payday loan from direct lender Advance America can help.

Apply now or visit your nearest store to discuss your loan options.

Notice: We do arrange loans funded by a third-party direct lender in Texas.

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.
157+ million
loans issued
800+ stores
and online loans
25+ years
providing loans