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Get High Acceptance Payday Loans from Direct Lenders with DirectLoanTransfer
Setbacks and bad luck happen to all of us - it's up to you to deal with these kinds of events. This doesn't mean that others aren't willing to help: payday loans allow you to get paid a few weeks early, and it doesn't matter much if you have bad credit. These short-term loans may be just what you need to keep your head above water.
The idea behind payday loans is that you can request a cash advance before your next payday. Since you have a reliable source of income (which may be something like Social Security payments), your credit score isn't as important to payday lenders as it would be to a bank. The major downside is that a payday loan is very short term: because of this, the finance charges expressed as an annual percentage looks formidable. However, since you can pay back the lender on your next payday, this is often still cheaper than getting a cash advance on your credit card (which bad credit may prevent you from doing anyway).
How Does DirectLoanTransfer Work?
DirectLoanTransfer isn't a lender itself. What we do instead is make it easy for people looking for the best payday loans to find the lenders who are willing to give them the loan amount they need at the best interest rate. In other words, we do the legwork: for just as much effort (or less!) as it takes to apply to one single lender, we allow you to browse all the offers for which you can qualify.
Having a wide range of financial institutions in our network makes it easy for us to match nearly any borrower to a suitable lender, even if their credit score is on the low side. In fact, the process is almost automatic: all you need to do is take five minutes to fill out a simple, secure form, and we will process your request within minutes, showing you all the payday lenders with which you qualify for pre-approval. The small fee we charge for this service is paid by the lender, so it doesn't increase the cost of your loan one bit.
Are Paycheck Advances
the Fastest Way to Get a Cash Advance?
One of the best parts of requesting payday loans online is that it only takes a few minutes to enter your personal details and a couple more to review the loan offers available to you. It's not unusual to be approved within an hour and receive the money you urgently need in your bank account the next business day.
How fast the process will turn out to be in your case depends on the particular lender as well as other factors. For example, a returning customer will usually be approved more quickly and qualify for a larger loan amount than a first-time borrower.
Are Payday Loans My Best Choice? What Other Kinds of Loans Are There?
Though the phrase "payday loans" is the most popular, there are a lot of other names for them: deferred deposit loans, payday cash advances, salary loans, and small-dollar loans are all more or less the same thing. This can get confusing, but there's more: many payday lenders specialize in particular types of loan or customer:
What Happens When I Can't Repay a Payday Loan on Time?
Accidents, we are told, come in threes. It's not unusual for someone who's already under financial strain to have trouble paying back their lender when the due date rolls around. Luckily, payday lenders are well aware of this fact and will almost always allow you to roll over the loan until the next payday arrives.
There is one risk that you should be aware of: failing to make payment means accepting an additional finance charge. If you do this too many times, you'll end up owing much more than you originally borrowed, leaving you with an amount of debt that may take years to pay off. Be responsible and please don't let this happen to you!
One option is to spend an hour or more on the phone and internet filling out applications and trying to understand the different requirements various lenders have, eventually finding some kind of payday advance product that's available to you. The simpler option is to use DirectLoanTransfer to get in touch with hundreds of financial companies who all offer payday loans as well as other kinds of short-term financial help.
Remember that DirectLoanTransfer is a third party: we cannot guarantee that you will be approved for any specific loan, we do not offer cash advance loans ourselves and we don't ask you to pay any kind of finance charges. The service we offer is this: we have a huge amount of information on the current state of the online payday lending industry, including the minimum credit scores some companies require, the maximum amount they're willing to lend to a consumer, what interest rates each charges and several other factors. We do this for thousands of loan packages spread between hundreds of individual lenders, and we make our services available to the public for free. (If you do find a loan you like through us, the lender pays us a small amount; your costs aren't affected).
So, to get started, all you need to do is use the form above to enter the amount you're looking to borrow and your ZIP code. The latter is because some short-term loan products aren't available in all states, but we may still be able to find another kind of loan that will meet your financial needs such as a personal loan.
After that point, we'll walk you through the process step by step right up to the point where we transfer you to the website of a specific personal loan provider. Here, you can do a final check of the loan's terms and conditions, sign an electronic contract, and just wait for the money to arrive in your checking account.
We are capable of connecting you with a lender fast. After you have finished submitting your information, you will be redirected to the website of a specific personal loan provider where you can review the conditions and terms of the loan and, should you accept them, the requested funds will be deposited directly into your nominated bank account. (This is subject to the lender’s approval).
The typical payday loan is for a few hundred dollars: they are supposed to be a temporary crutch, not a replacement for an auto or student loan. Many lenders will, however, consider loans of as high as $5,000 in certain circumstances. The amount any given customer can be approved for, particularly if they're seeking a bad credit loan, may be much lower. Depending on where they live, state law may further curtail their borrowing options.
DirectLoanTransfer works with a variety of traditional and cutting-edge financial companies, so their application requirements aren't all the same. In general, though, anyone who is 18 years of age or older, a citizen or legal resident of the United States, receives a regular income (from nearly any source) and has a bank account will have a couple of options when it comes to their short-term financing needs. There is one major exception to this: certain states do not allow their residents to take out payday loans.
Our customers come from all kinds of backgrounds and situations, including those who have low credit or no credit history at all. Many of them successfully apply for loans every day. Unfortunately, their options are fewer, meaning that they often have to pay a high interest rate.
Strong cryptographic protocols are what keep the internet running, it is also used extensively for military, diplomatic, and other highly sensitive communications. All the data on your application form is protected by industry-standard technology. In addition, all of the lenders in our network are legally obliged to take the same precautions.
Both DirectLoanTransfer and our partners do our best to process all applications as soon as possible - the majority of our customers, after all, can't afford to wait very long for the money they need. Some delays, like the time it takes your bank to process a wire transfer, are unfortunately beyond our control.
In most cases, it will take you no longer than five minutes to fill out our online form (or, if you're a returning customer, you can skip this step). After that, lenders are contacted on your behalf as pre-approval is sought. Depending on the complexity of this application, you may receive offers within a couple of minutes. After that, you'll be dealing directly with the lender for final approval and signing, after which you should have the money available to spend within less than 24 hours, or at the outside, 48.
The easiest and most convenient way to ensure you don't forget about your loan's due date is to choose to allow the lender to withdraw the amount owed from your bank account. Alternatively, you can also transfer money electronically or, in rare cases, pay by check.
If you find that you'll fall short, don't hesitate in contacting your lender (DirectLoanTransfer takes no part in direct negotiations between lender and client) and asking what they can do for you. Most will be willing to grant you an extension or restructure your debt, but some will refer your case to a collection agency if you attempt to play hide and seek with them.
To prevent irresponsible borrowing, several jurisdictions forbid you from taking out too many short-term loans within a short period of time. In addition, you have to disclose any current loans to a new lender, which may affect your ability to be approved. On the other hand, lenders are always eager to work with returning customers with a proven track record of paying their debts on time.
Some people like to harp on the (admittedly high) fees associated with payday loans, but they don't always tell you about how taking out a payday loan can be the most prudent decision available to you. Frequently, this is a question of being able to afford something you cannot do without; at other times, using a payday cash advance to cover a bill that would otherwise go unpaid simply works out much cheaper.
