| Direct Lender | Fax Required | Minimum Monthly Income Required | Checking Account Required |
|---|---|---|---|
| 100 Day Loans | No | $1000 Net | Yes |
| AmeriAdvance | No | $1000 | No |
| PayDayMax | No | $1000 Net | Yes |
| DiscountAdvances | No | $1000 Net | Yes |
| PayDayOne | No | $1000 Gross | Yes |
| Cash Central | No | $1000 Net | Yes |
| CashNetUSA | No | $750 Net | Yes |
Compare Direct Payday Loan Lenders
If you compare a few payday loan lenders online, you will be able to find the best terms with the lowest rates. Payday loan lenders are bound by law to provide you with the information about their terms and rates.
Look For APR
The first thing to look at while comparing different lenders is the APR or interest rate. Though payday loans are taken for a short period of 2-4 weeks, the most accurate information is in APR. Lenders publish these figures on their website under the FAQ or ToS section. You can always email or call them to find out this info.
Ask About Charges
Beside interest rate, there are also additional fees charged bu the lender. Some lenders charge a flat fee while others have a processing fee. There can also be additional charges, for example, for loan extension.
Compare Payment Terms
Ideally you are supposed to pay back your loan on your next payday, however you should keep in mind that something unexpected may happen anytime, so you should be prepared even though you cannot afford to pay back your loan on time. Read carefully the repayment policy regarding delayed payments.
Contact Customer Service
It’s a good idea to contact a loan officer or client representative. They should be available through email, phone, and/or fax. You will hardly ever need their support during your application, but if you have any question you should be able to reach them any time of the day.
Expect A Simple Easy-to-Submit Loan Application
Loan applications are processed online within minutes without any credit check and no fax required. You should only submit your personal contact details and employment history. Your payday loan is expected to be deposited in your bank account the same day.
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