Payday loans are quite helpful to get a quick, small fund during emergencies. Many direct lenders also provide loans to those with bad credit scores. However, it’s important to take the loan from a reputed and reliable lender. Here are 8 Legit Payday Loan Apps & Direct Lenders you can trust.
You can rely on apps and lenders like PaydayLonsGo, Fast Loan Advance, and Uprova for quick, same-day loans. Sunshine Loans, Grace Loan Advance, and Quick2Lend also make the list. Credit Fresh Loans and HonestLoans are also trusted by borrowers.
Taking loans from these lenders ensures quick and safe loans. Detailed information about these platforms will help you make an informed choice.
Here are 8 Legit Payday Loan Apps & Direct Lenders
As there are many unreliable and scammers trying to make money off you, it’s important to choose a reliable company. Here are 8 verified loan providers with good reviews and a happy, satisfied customer base.
1. Fast Loan Advance
Fast Loan Advance is a reliable name for payday loans as well as short-term loans. They have clearly stated their terms and policies. While payday loans are usually $500, you can get an even higher amount with good credit card history and scores.
They have mentioned on their website that they won’t charge you for the loan. From their website, you need to submit a form. Based on the application and provided information, Fast Loan Advance shares the application with their partner networks. It’s to be noted that they are neither lenders nor brokers.
Basic loan requirements:
- Borrower must be at least 18 or above
- Their service is only available for U.S citizen or permanent resident
- You need to be employed with a steady income
- A bank account
2. Uprova
You can get a loan from Uprova without a credit check. It’s good news for people with bad credit scores. They offer competitive rates and have written detailed policies so that there are no disputes later on.
With their flexible repayment options on personal loans, you will be more at ease. However, it’s recommended to check their terms and policies yourself before taking or applying for a loan. Many customers shared that their terms are often rigid.
Uprova has basic requirements, such as the borrower needs to be an adult with a solid income source and a bank account.
3. Sunshine Loans
With no credit checks, Sunshine Loans offers quick approvals. Their services are available even on weekends, and you will experience instant funding any time of the day. They have been operating since 1999, and being a family-owned company, it’s a reliable platform. Their 100% secure website keeps you safe from hackers.
You should visit the website to check their license. They have clearly displayed it on the website. With no hidden policies and charges, they make sure you don’t regret taking the loan. From car repair to holidays and bad credit, their services are available for every situation.
While the company is trusted, there is one tweak. Unlike many other lenders, Sunshine Loans charges an establishment fee of $400.
4. Grace Loan Advance
You can get a legit online payday loan from almost all 50 states, thanks to Grace Loan Advance. They have made the process simple and straightforward. Their partner lenders will deposit funds to your account as fast as the next business day.
All you have to do is fill out and submit an online form. You can apply with all credit types, from no rating to excellent. This won’t take more than 2 minutes, and afterward, they will share your application with their partner lenders.
Grace Loan Advance does not charge any fee from borrowers. Still, it’s important to read through the terms before signing any agreement. They also take your privacy seriously and make sure no one can get access to your credentials.
5. Quick2Lend
Quick2Lend is a direct lender that ensures a quick and secure delivery. The platform welcomes ALL FICO scores and provides loans amounting from $250 to $3000. The borrowed amount can have a duration from 3 to 36 months, with zero upfront fees or costs.
When you need fast funding, Quick2Lend does justice to its name. Thousands of borrowers contact them every day, and they ensure quick responses to everyone. The fund will be deposited to your bank account directly. It won’t take more than 15 minutes once the loan request is accepted.
You can request funds online without taking the hassle of visiting physical arrangements. Without taking any charges from you, they provide the loan. Them being OLA accredited, is a trusted option for payday loans.
6. Credit Fresh Loans
When you need a same-day loan of up to $5000, Credit Fresh Loans is an ideal choice. They offer quick approval and fast deposits. Their payday loans start at $255, and you can expect to get it the same day with no credit check. You can get online loans without much hassle.
Though there is no guarantee of approval, there is a high chance of acceptance. Even with bad credit, you can get quick access to the funds whenever you need. They have some basic requirements like other loan providers, which include a minimum of 18 years of age and a proven income.
7. HonestLoans
Many payday loan lender websites are not secure to share personal information. It’s a common issue borrowers face. However, that’s not the case with Honestloans. With 256-bit SSL encryption technology, they ensure proper safety for your website.
You can get personal loans, cash advances, installments, and emergency loans. The expected duration to get the money within 24 hours. There are no fees or charges related to the application. Borrowers who meet the basic requirements of age, income, and bank accounts can get the loan.
Nonetheless, please be aware of the fact that they are not direct lenders. Therefore, before signing the deal, you must read the policies first.
8. CashSnapLoans
Cash Snap Loans is known for their payday loans. Their funding starts from as low as $100, but based on your needs, you can get up to a loan of $50,000. With 256-bit SSL technology, they provide bank-level security.
If you have the necessary documents and evidence, it’s possible to get the loan within 24 hours. These quick responses make them an ideal choice for borrowers. You will receive the cash deposited directly to your bank account.
Frequently Asked Questions
How can I verify if a payday loan app is trustworthy?
It’s important to check if they have verified contact information, licenses, and property-encrypted websites. Also, prioritize websites with SSL certificates and good online reviews. These reflect their professionalism and reliability.
Do direct lenders check credit scores for payday loans?
This can vary from lender to lender. While some lenders check credit scores, many don’t. They only ask for evidence of you having an income to pay the loan.
What happens if I can’t repay a payday loan on time?
If you make delays in repaying loans, there will be added interest and higher rates. You will lose more money in the long run. So, it’s better to repay the loans on time.
Final Words
You have multiple options for payday loan apps and direct lenders. Fast Loan Advance, Quick2Lend, HonestLoans, CashSnapLoans, and Uprova are trusted options. Take your time before making a decision to stay safe from fraud and scams.
