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How we compare

Short Term Loans Loanstotale Why use us?
How much can new customers borrow? Up to $5,000 No fees, ever!
What are the repayment terms? 3 to 36 Months No paperwork
Representative APR 49.9% (variable) No obligation quote
Can I apply with bad credit? Yes Instant decision
Can I repay in instalments Yes Flexible repayment
Do we credit check?* No No credit footprint

Reliable Loans From Direct Lenders Online – Loanstotale

When in need of a quick way to get cash, there’s no other and better way than to approach online payday loans direct lenders, and that means you apply for online payday loans directly to the lender itself. But how does a direct lender differ from any other lenders? A direct lender offers old-fashioned bank loans, without the bank. No credit check loans direct lenders have started to come up after the post-financial crisis landscape because of banks cutting out on their business lending. When scouring the internet for direct lenders and different loan options, you will see that it holds a significant advantage compared to traditional bank loans like payday loans online direct lenders only.

When in need of quick funding, it’s imperative that you check on lenders and see if they offer loans that provide fast cash, and they most likely are – online payday loans through direct lenders are abundant online and can be found anywhere as long as you know where to look. So, it’s not really a matter of not having ways to get quick funding, but it’s the lack of effort to look for one.

Having online payday loans direct lenders make getting emergency loan funds more accessible now since you can do the shopping for long term installment loans no credit check direct lenders online and you don’t have to go through countless of hoops just to get a shot from applying long term installment loans no credit check direct lenders. With online direct lenders, your application doesn’t get tossed around as it’s evaluated, approved, and is being tracked by the same direct lenders.

Advantages of Getting Installment Loans Direct Lenders

One benefit of approaching no credit check loans direct lenders is that you won’t be dealing with any third parties in the matter. From application to managing your payment, only a single entity is responsible for that. It makes it easier to work with your lender.

On a traditional loan, it’ll take some time before your application to even getting approved by direct lenders for installment loans as your application is bounced back and forth to different people, usually taking up to a week or more. And some traditional lenders may sell your information to other lenders, prompting you to receive unknown phone calls and emails even after your loan has been paid off.

While a monthly installment loans no credit check direct lenders may not do that because a leak of information can be easily traced as it’s only managed by a single entity. While a leak of information on a traditional lender or bank may be untraceable as lots of people are handling sensitive information, and with that many people involved in something, there’s bound to be lapses.

And most importantly, guaranteed installment loans for bad credit direct lenders is more flexible with their rates compared to traditional bank direct loans. Most bad credit personal loans guaranteed approval direct lenders have competitive and low rates that are perfect for those who’re already having a hard time looking for funding. Everything can easily be done in a span of 24 hours with direct lenders.


How to Apply for Online Payday Loans Direct Lenders

If you’re in need of quick funding, approaching a traditional lender may not be the best idea as their process usually takes a few days to a week, and on top of that, they require you to have a decent to good amount of credit score. The only forgiving traditional lender when it comes to credit score are the credit unions.

And even if you meet all the requirements, there’s still a chance that your application may get rejected, and that’s never a good thing. While applying through an online payday loans direct lenders will yield results in as early as 24 hours.

Short term loans are easily available through payday loans online direct lenders only, what’s neat about it is that the application process ffrom installment loans direct lenders isn’t tedious as well.
And if you have a not so good credit score, you’ll still be eligible for a loan and still have a high chance of getting approved by bad credit personal loans guaranteed approval direct lenders compared to approaching traditional lenders.

Requirements Required by Online Direct Lenders

Most online loan lenders have a lax requirement compared to banks and traditional lenders. Different lenders may require different information from you, but these are the most common ones that guaranteed installment loans for bad credit direct lenders may ask of you:

• You must be 18 years of age.
• You should have an active and valid checking account
• Employment history and proof that you’re receiving a steady income
• Personal and contact information

Why Choose Direct Lenders over Traditional Lenders?

Easier repayment plan
Since you’re dealing with someone who is directly affiliated to the lender or the lender himself, then you have the chance to negotiate and come up with a repayment plan that isn’t too much to handle.

Higher approval rates
Most monthly installment loans no credit check direct lenders have higher approval rates when you compare to a bank. If your information is managed by a single entity, then it gets processed faster and more efficiently rather than getting passed along different people, which would increase the time of your application getting reviewed.

Your personal information is much safer
As stated above, when your information passes through a lot of people, there’s likely to be a leak, or even worse – your information might be sold to other companies.
With an installment loans direct lenders, your information is only managed by a single person making it easier to track in case any identity theft happens.

How You Make Direct Lenders for Installment Loans Approve Your Loan

One thing that you can do to improve your chances of getting approved by direct lenders for installment loans is to fill out any information that’s required of you clearly.
Borrow only within your means, don’t over or under borrow. Your lender will see if you’re capable of repaying what you’ll borrow because you’ll be providing them with your financial report or a pay stub.
Most direct lenders will do a soft credit check, which will not impact your credit score in any way. It’s just to check your credit history so they can come up with a reasonable loan term and interest rates.

Repaying Your Online Payday Loans Direct Lenders

Payday lenders will usually ask you a pre-dated check that they will cash in when your payday comes, that’s one way of getting their payment, or you can set a scheduled release of funds directly to the lender. Those are just some of the few that you can coordinate with your direct lender when it comes to repayment.


Now that you know the difference between a traditional lender and a direct lender, it’s up to you to choose who you approach.
The information that we’ve presented you comes in handy when you find yourself in an emergency situation. Take everything into consideration and weigh your options before committing to a certain lender to make sure that you don’t get taken advantage of.

In accordance with having an approved direct moneylender for your credit, a rundown of a couple of sites underneath can help you to get the majority of your financial grants.

Federal Trade Commission
American Consumer Credit Counseling, Inc.


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