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Payday Loan Direct Lenders

Direct* Payday Loans from Speedy Cash

Direct lenders manage the entire payday loan process – from beginning to end. They will process your application, fund your loan and take your payment.

Direct lenders vs. Non-direct

With so many lenders all promising to be the best, it’s easy to get overwhelmed when searching for an online payday loan. To help you stay sane in your search for the right lender, we’ve outlined the differences between direct lenders and the other types of lenders.


Collects Personal Information
Processes Application
Funds Loan
Processes Payment

Credit Service Organizations and Credit Access Businesses

Collects Personal Information
Processes Application
Funds Loan
Processes Payment

Lead Generators

Collects Personal Information
Processes Application
Funds Loan
Processes Payment

Getting to Know Direct Lenders

What does it mean to be a direct lender?

When you apply for a loan with direct lenders, you are applying directly with them meaning they will process your application, fund approved loans, and process loan payments. So from the beginning to the end of your loan, you will deal with the lender and only the lender.

How can I spot an online loans direct lender?

If you don’t know whether or not the lender is a direct lender, take a look around their website. Look specifically in the fine print at the bottom of the website. If they mention matching you with a lender, or require a third party to get you your funds, then they are most likely NOT a direct lender.

What should I look for in direct payday lenders?

The most important thing in finding a lender is to do your research. Some things you may want to consider include:

  • Online Reputation
    Search for reviews online. Check out sites like Consumer Affairs and Trustpilot. If the lender has less than a 4-star rating, you may want to reconsider. It might make sense to review more than just the star ratings – what are their customers saying within the reviews?
  • Clear rates & terms
    Direct lenders should clearly state the rates and terms for the loans they offer. Be sure to clearly review this information to make sure you can afford the payments, and fully understand what to expect with the loan.
  • State license
    Some states do not require licenses to offer payday loans, but some states do. Do some research online to understand if your state requires the lender to have a license. If so, then make sure the license is posted on the lender's website.
How are direct payday lenders different from other payday lenders?

The easiest way to describe a payday loans direct lender might be to explain what a non-direct lender is: A non-direct lender will collect your application information, but they will not provide you with a lending decision. Instead, they will send your information to a lender (or lenders). In some instances, your application information may be shared with several lenders – which is not the best to have your personal information bouncing all around the internet.

Why use a direct lender?

Protect your information

If you apply for a payday loan on a website that is not a direct lender, your personal information could bounce from lender to lender. The more your information bounces around, the more likely it is to get in the hands of someone you don’t want it to. If you apply with a direct lender, your personal information will stay with that lender, limiting your chances of identity theft.

Avoid customer service confusion

If you apply on a site that isn’t a direct lender, it can be confusing as to who you need to contact for what. With a direct lender, all of your questions and loan inquiries are handled with a single company. No need to hunt down contact information for multiple websites.

Quick application review

Since you are applying directly with the lender, you will typically receive a quicker lending decision since they are both reviewing your application information and providing you with a decision.

Receive less spam

When you apply for a payday loan online, there is a chance you could be applying with a lead aggregator. When this happens, your information could be presented to several different lenders / websites. Even though lenders cannot legally communicate with you until they have purchased the lead information, some websites may contact you anyway – which can flood your email inbox. CAUTION! Sometimes these junk emails may include false pre-approvals or verbiage that makes you think you may already be approved. Be sure to review these emails carefully before acting on them.

Payday loans from Speedy Cash

When you apply for a loan from Speedy Cash, you're borrowing directly* from us.

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*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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