You could get a Direct Deposit Loan of up to $1500, if approved!
  • Start by filling out our quick and easy, secure, online request.
  • We connect you with a lender who will provide you with an ideal loan.
  • Cash deposited directly to your checking account within 24 hours!
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Direct Deposit Loans Can Put Cash In Your Pocket

Don’t let life’s unexpected financial pitfalls convince you that you are out of options. People sometimes find themselves in circumstances that they cannot control. When a car needs a major emergency repair or major medical bills arise unexpectedly, you may not feel as though you have anywhere to turn. These unexpected expenses may gobble up your savings, and using a credit card to pay the bills may not be an option. In troubled times, you need to know that you have always have a way out. Fortunately,’s network of lenders will give you the cash infusion that you need.

Understanding Direct Deposit Loans

Direct deposit loans generally range from as little to $100 to as much as $1,000. Loans are made against your next paycheck, meaning that all you will need to supply is some personal information and proof of income. The interest rate for payday loans is a little higher than the interest rate for other loans. However, the advantage of payday loans is that payday lenders work with consumer with all credit types. In addition to traditional loans, some lenders in our network may offer line of credit.

The Direct Deposit Loan Process does not serve as a lender. Instead, we work to connect our customers to a lender in our trusted network.

To start the process, you only need to enter some personal information including a bank account number and proof of income into an online form. When the online form is complete, we will work to find the lender that can meet your needs. Of course, you don’t have to agree, and are never under any obligation to choose said lender. If you are connected with a lender, review the lender contract and provide your e-signature. The funds will be deposited into the bank account you provide as soon as the next business day.

The Legal Ins and Outs

Before using any product from, you should familiarize yourself with the laws governing payday loans in your state. Loans may be easy to access in some states while other states may prohibit payday loans altogether. Laws will also cover important information like repayment terms. Familiarizing yourself with your state laws is a crucial part of the direct deposit loans process. Since all lenders are required to disclose the loan terms to you without any commitment on your part. By reviewing these terms you can see what options are available in your state. Our lender network includes state and Tribal lenders. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws.

Direct Deposit Loan Requirements

The reason payday loans were created was as a way to provide cash to as many people in need as possible. This means the requirements for a payday loan are at the absolute minimum. Here are some of the requirements our customers must meet. Please note that meeting these requirements does not mean that you will be connected to a lender.

  • You must be 18 years of age or older
  • You must be a citizen or permanent resident of the United States
  • You must provide an existing email address and telephone number
  • You must have a bank account in your name
  • You must provide proof of income, such as a paystub or a Social Security check stub

Direct Deposit Loan Benefits

With the online loan request process provided by, you will experience:

  • Fast approval decisions without the hassle of credit score requirements
  • Secure transactions conducted from the comfort of your own home
  • Funds deposited directly into your bank account as soon as the next business day

By providing a safe and easy online request process, can quickly connect you with lenders who may be able to provide the cash you need. You won’t wait weeks for approval, and you won’t have to send piles of paperwork to your lender.

Ending Debt for Good

Payday loans provide a welcome alternative for people who cannot use credit cards.  If you are going through credit card consolidation, for instance, or if you have little or no credit history, then getting a loan may seem like an impossible task. However, a payday loan will allow you to get the cash that you need without the burden of a credit score requirement.

You may, for instance, find yourself stranded on the side of the road because your car needs emergency repairs. You need to pay not only for the repairs but also for the expense of towing the car to the mechanic. Without direct deposit loans, your car could sit on the side of the road for weeks. Without your car, you may not be able to get to work. Without work, you won’t have the money you need to support your family or pay your bills.

Sometimes, our customers find themselves burdened by unexpected medical expenses. You may injure yourself or become ill and may not have the money to afford an emergency room visit. Or, even if you have health insurance, you may not be able to afford co-pays and prescriptions. With a cash advance, you can get the help you need so that you can take care of your medical expenses.

For hardworking people like you, direct deposit loans provide the chance to get the cash you need. Don’t let emergency situations keep you from working. With a cash advance, you’ll have the money to pay your bills and the freedom to get on with your life.

Make the Best of Your Direct Deposit Loan

Consumers who use direct deposit loans correctly will find that their loan starts them on the path to a newfound sense of financial responsibility. However, problems could arise if you use a payday loan incorrectly. Payday loans are for emergencies only. Like all loans, they should be approached with respect and with due diligence.

Sticking to a Plan Is Essential

While defaulting on direct deposit loans will hurt your credit score, paying them back on time will give your credit score a boost. Therefore, you need to have a plan for how you plan to spend the money and how you will maintain sufficient funds to pay it back on time. When the money is deposited in your bank account, it must be spent for the purpose that you intended. Don’t ignore important medical or financial needs to get a shiny new gadget or a brand new 3-D television set.

The Freedom to Start Fresh

When you get a cash advance by using, you get the chance to start down the road to financial freedom. By connecting with our secure network of trusted lenders, you may be able to get the cash you need. Don’t wait any longer to take care of emergency expenses, take charge of your finances now.

APR – Representative Range Explanation

When you take out a cash loan, you are charged an annualized interest rate known as the annual percentage rate (APR). Direct Deposit Loans does not work as a lender, and thus it is not in the business of providing cash loans; however, it does refer potential borrowers to lenders who may be able to provide them with loans of this sort. Direct Deposit Loans never will charge any fees for this service. Direct Deposit Loans is unable to inform you of the specific APR that will be attached to a cash loan that you acquire. Please be aware that APRs can vary on the basis of the information that you include in your loan request as well as that which your lender supplies to you.

Your lender will give you specifics in regard to APR, finance charges, etc., when you get redirected to the loan agreement as part of the loan request process. In the event that you require assistance with any Direct Deposit Loans–related services you may contact us.

A loan’s APR can range quite a bit, being anywhere from 230 percent to 2,330 percent, with the specific figure depending on how the rate is calculated, as well as additional variables including the loan term, any fees that might be incurred (nonpayment, late penalties, etc.), and loan renewal options. Be mindful of the fact that the APR range is not the same as your finance charge; the latter will be disclosed at a later stage in the loan request process.

Here’s a representative example of a loan APR range.



In relative terms, cash loans are not inexpensive in comparison with other types of loan assistance. Therefore, it is suggested that you not use them as a long-term financial solution. Instead, it is advisable that you only take them out in emergency situations.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $600) * (365 days / 14 days) x 100 = 173.81 percent High End Calculation: ($80 / $600) * (365 days / 14 days) x 100 = 347.62 percent

Important Implications to Consider

Direct Deposit Loans makes it a practice to only work with lenders who provide prospective borrowers with highly detailed information on loan terms and conditions prior to their accepting an offer of loan assistance. We recommend that you always carefully go over the terms and conditions of any loan offer that you receive. To obtain more details about these important considerations, see our Lending Policy and Rates & Fees sections on this website.

Financial implications (Interest and finance charges)

If it is the case that you get approved for a cash loan, the lender will be sure to make you aware of the interest rate and fees associated with your loan prior to your acceptance of their offer. As previously stated, Direct Deposit Loans is not a lender, and thus it is not able to predict the exact interest and fees that will be part of the offer you get. Please know that you are not ever obligated to accept any particular offer.

Implications of non-payment

Upon accepting a loan offer’s conditions and terms, you are in essence agreeing to pay back both the finance charges and loan principal in the designated amount of time stated in your loan agreement. In the event that you are unable to pay back your loan in full or you make a late payment, extra charges may apply. Direct Deposit Loans can’t predict the amount of the penalties that you’ll incur as a result of late payment, partial payment or nonpayment. In addition, we have no control whatsoever over knowledge of the loan details between you and the lender whom you are working with.

Make sure you refer to the late payment, partial payment and nonpayment policies that are detailed in loan documents you receive from your lender. Our policy is to only partner with lenders of the highest possible reputability who pursue collections of delinquent loan accounts in a completely reasonable and fair manner.

Potential impact to credit score

It is Direct Deposit Loans’ stated policy to never be involved in making credit decisions or perform credit checks on consumers. Some of the members of our extensive lender network may decide to conduct a nontraditional credit inquiry for the purpose of seeing if you are eligible to take out a cash loan. Generally, lenders will not conduct a credit inquiry with any of the three large U.S. credit bureaus (Experian, Equifax and TransUnion).

Ultimately, your credit rating may be affected by a particular lender’s actions. If for whatever reason you do not pay back your cash loan by your due date, the lender may opt to report the delinquency to at least one of the aforementioned credit bureaus, which could hurt your credit rating. We wholeheartedly encourage consumers with personal credit issues to consult a credit counseling company for assistance.

Collection Practices

As previously stated, Direct Deposit Loans does not serve as a lender, nor does it ever engage in any debt collection practices. In the loan documents that they give you, your lender will give you information regarding their collection practices. Should it be the case that you are not sure of the practices used by a given lender, we suggest that you discuss this matter directly with that lender. Direct Deposit Loans follows the policy of only partnering with lenders who pursue collections of delinquent loan accounts in a reasonable and fair fashion.


Before your acceptance of a particular loan offer, the lender will give you your options regarding loan renewal. Make sure that you go over the lender’s renewal policy carefully prior to affixing your e-signature to any loan documents. Please know that, to a large extent, state laws govern renewal policies.

Cash loans are only meant to be used as a short-term financial instrument. Direct Deposit Loans recommends that all borrowers fully pay back their loan on time so they can successfully avoid penalties stemming from late payment and/or nonpayment. If you feel that it may be difficult for you to pay back a cash loan after taking it out, then we highly recommend that you look into loan alternatives before you proceed with requesting for a loan through this website.

Consumer Notice: A cash loan, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help.

Legal Disclaimer: By using this website you agree to's Privacy Policy and Terms of Use. is not a lender and nothing on this website constitutes an offer or solicitation to lend. Additionally, we are not a representative, broker or agent of any lender. informs users of lenders who meet the users' stated needs and doesn't charge a fee for this service. At no time does completing an inquiry ever guarantee that you'll be connected with a lender offering the loan product you have requested. There is not ever any obligation for users to request for any loan product or use our service. Lenders may perform credit checks with credit reporting agencies or obtain consumer reports through alternative providers. Our company does not endorse any particular service provider, lender, nor loan product.In submitting your personal information, you agree to be contacted by lenders or the agents of those lenders. This service and offer are void where prohibited.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.