Payday Loans Direct Lenders Online


Payday loans, quite a popular concept now, are short-term loans that are offered by many financial firms and provided on the condition that the borrower will repay the money when the next paycheck is received. Payday loans direct lenders provide relief to many individuals who are struggling with difficult finances.

The following guide aims to address all doubts related to instant loans direct lenders only or no denial payday loans from direct lenders only.

#1 Option For Payday Loans Direct Lenders – Viva Payday Loans

5 Best Payday Loans Direct Lenders Online – Quick Pick

With the prominence of internet activities, loan providers are now providing reliable platforms through which they can connect to borrowers. Not only that, brokers too have also now come up with their network of lenders with the objective of providing their clients with some of the best loan terms as per the requests received. We have done our bit to save your hassles of finding some options for payday loans from direct lenders. Here is a list of the 5 most reliable providers.

  1. Viva Payday Loans – Best for no denial payday loans direct lenders only. Visit now.
  2. Credit Clock – Best for requesting lower loan amounts.
  3. Money Lender Squad – Best for poor credit history.
  4. Very Merry Loans – Best for wide range of loan options.
  5. Heart Paydays – Best for same day decisions.

Payday Loans Direct Lenders Online – How to Apply

Payday lenders ensure that their online platform is simple and does not have complex structure. It is easy to navigate and access so that applicants can quickly apply for loans in times of distress. However, the exact application process can differ, though the basic steps are usually same.

Here, we explain the basic steps of applying through Viva Payday Loans. The system is completely transparent and can disburse loans within 15 minutes.

Step 1. Visit Viva Payday Loans Website: The first step is to visit the Viva Payday Loans website when you need no verification payday loans from direct lenders. There are several options of putting down information related to the loan. The website has all the details of loan, tenure, terms, and conditions and more.

Step 2. Complete The Application Form: Applicants need to fill in the required information in this form, which includes the loan amount. The loan amount can be filled in different denominations as per requirements, which are $100 – $5000. The repayment period of the loan is between 3 to 6 months.

Step 3 Get your decision: When the borrower has decided how much to borrow, some more information needs to be filled up. This is usually personal information such as name and email ID. Personal and income information is required by the broker to ensure that the customer qualifies for the loan and passes identity checks.

Step 4. Receive your loan: If approved, you’ll be redirected to a third party lender who can provide you with the loan. The chances of getting the loan approved is also quite high as Viva Payday loans does not require credit history check. In most situations, individuals receive their loans from different third party lenders who are in the broker’s network.

What Are Payday Loans Direct Lenders Online?

Payday loans from direct lenders are designed in a way so that the borrowers get instant approvals of loans, even if they are unemployed or have bad credit. These loans do not require any check or guarantor which means that the loan is received in a short time. The borrower can connect with the lenders directly for the process through certain brokers who act as mediators between the two.

At present, Payday loans are legal in 32 states. It means, a borrower needs to check if it is legal in their own state. The amount which can be borrowed, and the terms and conditions also tend to vary from one place to another.

5 Best Payday Loans Direct Lenders Online – Fully Reviewed

Understanding the demand for similar loans, brokers and lenders offering payday loans have increased. In the present times, there are several reliable names who are offering payday loans. Here are some of the popular providers who are known for no denial payday loans from direct lenders only.

1. Viva Payday Loans – Best for No Denial Payday Loans Direct Lenders Only

This is one of the most trusted providers under Payday Ventures Ltd. Though it is not a lender, it does have a wide network of lenders who use a matching service. This provider offers a simple loan application process. Loans are available from $100 to $5000. The repayment period is usually between 3 to 6 months which depends on the terms. APRs usually ranges from 5.99% to 35.99%.


    • It offers a simple and user-friendly website.
  • Users do not have to pay for the search tool used.
  • Wide range of lenders which means that chances of getting a loan is easier with no credit check.
  • Available in almost all US States.
  • Offers quick loans – within 2 minutes.


    • It is not available in all states of USA.

2. Credit Clock – Best for Requesting Lower Loan Amounts

This is one more popular broker which is known to provide loans to individuals in financial distress. It does use a unique algorithm which works to match the borrowers’ requirements with lenders. The match is based on the details of application and preferences. No fees is charged by the broker.


    • The website offers easy to use navigation.
  • The application form takes a few minutes to fill.
  • Individuals can apply for a maximum of $5000 loan.


    • The broker does not offer its services in a few states.

3. Money Lender Squad – Best for Poor Credit History

This is a popular payday loan broker that is known to provide credit when most other providers have rejected. offers credit in a short time without much of paperwork and spending time on background check. The website is quite simple and offers easy navigation. Borrowers will find all the necessary information related to payday loans direct from lenders online. The payment tenure of the loans is usually 6 months. There are several lenders working in collaboration which means the chances of getting loan approval are quite high.


    • The application process is easy and simple.
  • It is possible to get loans in just a few minutes.
  • Credit checks are not conducted by the broker.


    • There is not much information about the lenders available on the website.

4. Very Merry Loans – Best for Wide Range of Loan Options

Very Merry Loans is a non charging broker that acts as a bridge between lenders and borrowers. It does not charge any kind of extra fees for the purpose. Very Merry Loans receive a commission from the lender whenever any successful connection is made and strictly adhere to the regulations laid down.


    • The success rate for loan approval is quite high.
  • It works with state-approved lenders only.
  • It offers continuous loan processing – it works on holidays too.


    • Borrowing costs tend to vary from one lender to another.

5. Heart Paydays – Best for Same Day Decisions

Known to provide no verification payday loans from direct lenders, Heart Paydays is known to provide loans to those with bad credit. It provides loans with no guarantor and even for those who are unemployed. Those who have faced rejections multiple times from different places can apply here as well. The success rate is also quite high and is generally dependent on the quality of lenders matched with applicants. However, continues to be one of the most popular platforms to get loans quickly and without hassles.


    • Loan approval takes just a few minutes.
  • There is no credit check done.
  • Applicants can choose the repayment period and loan amount.
  • The website is easy to use and contains detailed information.


    • There is not much information available about the lenders.

Features of No Verification Payday Loans Direct Lenders

No verification payday loans are short-term in nature and are high-cost products. Loan amount is available in different denominations and is available from $100 to $5000. These loans are subject to federal and state laws. Payday loans are quite like traditional loans, but they do differ in many aspects, some of which are mentioned in brief.

  • Available in small amounts

These loans are available in small amounts when compared to traditional loans. For instance, individuals can apply for loans from $100 to $5000.

These loans are generally repaid in multiple payment structure or as a single payment. This depends on the terms and conditions. Payment due date is decided beforehand as per the conditions set. There are a few lenders who consider repayments before a schedule which helps in saving a lot of interest.

Repayment can be made when the borrower allows the lender to debit the funds electronically from the borrowers account. If the terms set other conditions of payment, it can be allowed as well.

One of the main reasons for the popularity of these funds is that there is no check on credit score. Thus, those with bad credit can also be eligible for loans. Those who are unemployed can also apply for the loan.

Loans are available at a high rate of interest than traditional loans. This is one of the biggest risks associated with such loans but they do help individuals in coming out from their financial distress.

Types of Payday Loans Direct Lenders

Payday Loans Direct Lenders For Bad Credit

Direct lenders refer to financial institutions that focus on disbursing small, short-term loans not more than a 2 year period. They operate through various establishments which can either be brick and mortar or internet-based. Many loan consumers want to remove the middleman and want to communicate with lenders directly. If you are new to the loan space, communicating with lenders directly can significantly help you. However, you have to make sure that the lender is legitimate and works for the best interest of their clients.

You may prefer accessing payday loans Australia directly from lenders as you may have a prior working relationship with them. Many direct lenders offer discounted interest rates and other types of perks when they develop a working relationship with a particular client. While connecting to a lending broker is always preferred, direct lenders can work wonders for some bad credit borrowers.

Payday Loan Direct Lenders for Benefits

According to the legal framework put forward by the United States Department of Labor, they provide an unemployment insurance program that provides benefits to workers who have lost their jobs due to no fault of their own. However, these individuals are normally disqualified from applying for loans from banks and financial institutions.

If you find yourself in such a situation, you can opt for payday loans from direct lenders for people with benefits. These lenders do not judge you on the basis of your financial situation and can provide you with short-term loans that can be used for vehicle repairs, gifts, family vacations, new furniture items, medical emergencies, vet bills, unexpected expenses, replacing broken appliances, buying groceries and paying for past due utility bills.

Payday Loan Direct Lenders for Unemployed

If you don’t have a traditional job, getting a loan from a normal bank can be impossible. Banks and traditional financial institutions want you to produce proof of income either by producing a salary statement or pay stub. This can be a problem if you are self-employed such as being a freelancer. If you don’t have proof of stable income, some lenders might consider the following as an alternative – interest and dividends, social security, long-term disability, alimony or child support, trust fund, rental property, and retirement or pension.

If you fall into this category, you can easily apply for payday loans from direct lenders who cater to unemployed individuals, or those who get their income from alternative sources.  Some lenders require you to earn at least $1000 monthly from any source to grant you the loan. However, the lack of income will prevent you from qualifying for higher loan amounts.

Another risk for loans for the unemployed is the high interest rates and fees. The lender takes this as compensation for allowing a high-risk applicant to borrow money. This will undoubtedly increase your cost of borrowing. You may also have to pay a higher loan origination fee due to the lack of income.

Payday Loan Direct Lenders Easy Acceptance

Contrary to popular belief, no direct lender can 100% guarantee approval of loans until they review the credit history of the individual, although their requirements are less rigid. Direct lenders take the necessary steps to ensure that the maximum amount of people can qualify for their financial products. This means keeping credit score requirements at a bare minimum and not asking for any proof of income. However, you would be better off if you use a broker for taking out a payday loan.

A broker can work wonders in these situations as it works with a large lending panel that consists of several lenders. This gives them the ability to better match the brrower’s needs with the requirements of a particular lender. On the other hand, direct lenders cannot ensure the approval of your application.

But what happens when you need to apply with a direct lender and you have no choice? You are advised to conduct thorough research into the background of the lender and its practices. You may have to make several comparisons to find out the most favorable terms, judging factors such as terms of the credit, interest rate, and total repayment amount to make the decision.

Advantages and Disadvantages of Payday Loans Direct Lenders Online

Those who are thinking about applying for no denial payday loans from direct lenders only need to know about the various advantages and disadvantages (if any) of these loans. Here is a glimpse:


    • The application process is fast
  • Applicants can apply for loans from $200-$5000
  • Loan is available for unemployed, those with no credit and even bad credit
  • Loan approvals possible in just 2 minutes
  • Paperwork and telephone calls are not required
  • Direct dealing with lenders
  • Payout can be in the same day


    • Some payday loan direct lenders charge high fees

Payday Loans Direct Lenders Eligibility Criteria

It is quite easy to meet the requirements set to get approval for payday loans from direct lenders online.

  • Must be a US Citizen
  • The applicant must have an active US bank account
  • Proof of at least 90 days of employment is needed
  • Should be a valid social security number holder

Application Process

Borrowers are attracted towards payday loans from direct lenders mainly because of ease and convenience. The application process is simple and quick.

Step 1. Visit Viva Payday Loans

Go to Viva Payday Loans and select your loan amount & term. The amount should be filled in after considering repayment factors. You might be tempted to fill in more amount but remember, you must pay it at the end. Borrowers can choose an amount that can be up to $5000. The repayment period can be till 2 years though it varies from one broker to another.

Step 2. Complete the loan request form

When you have filled the amount, you need to click on apply and wait for confirmation. You will soon know if you qualify for the loan. The entire process will take just a few minutes. Borrowers are assured that full privacy will be maintained and information will be confidential.

Step 3. Wait for a decision

After you have submit the application form, a response will be presented to you within a few minutes from one of the available lending partners, if accepted. The process of approval takes a few minutes, subject to further checks and e-signing of your loan agreement.


What is classed as a payday loan?

Is there a need for good credit score to get approval for no verification payday loans from direct lenders?

Will a Payday loan be right for me?

Do Payday loans hurt your credit?

Do Payday loans affect mortgages?

Why choose a Payday broker over a direct lender?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.


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