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Get Legit Payday Loans From Secured Online Payday Lenders at DirectLoanTransfer
Sometimes, unforeseen circumstances may make it difficult for you to meet your financial obligations. If you run out of cash before your next payday, you can apply for a payday loan to get emergency cash. This type of short-term loan can help you keep your head above water before your monthly income arrives. Payday loans are quick and easy to get and you can receive approval ASAP regardless of your current credit score.
Can I Have Legit Payday Loans With Bad Credit?
Yes, you can get real online payday loans with bad credit. Your probability of getting cash advance loans depends on you having a reliable source of income to pay back the loan. Therefore, your credit score is not an important consideration for online lenders.
If you have low credit and you’ve been unable to get a loan from a bank or any other conventional lender, you can still qualify to get approved for a payday loan in no time.
Can I Have Legit Payday Loans With No Credit Check?
Yes, you can get trusted payday loans online with no credit checks. Unlike banks and other traditional credit providers, payday loan providers don’t need to do a hard check on your credit rating. In most cases, all that’s needed is proof of income.
If you’re bothered that a credit check will disqualify you from getting a loan, applying for a cash advance from a payday lender is a good option to consider since they will not do a credit check. At the very least, they will conduct a soft credit check, which has no impact on your credit score or report.
Can I Have Legit Payday Loans When Unemployed?
es, you can get legit payday loans even if you do not have a full-time job at the moment or you don’t have a job at all. This is one of the main benefits of payday loans. Nonetheless, you may still need to provide a verified means of income to demonstrate your ability to repay the loan.
This includes social security payments, unemployment benefits, pension funds, disability benefits, alimony or child support and other alternative means of income.
Can I Have Legit Payday Loans With Instant Approval?
Yes, legit payday loans are approved within minutes of your application. You only need to supply some personal details and agree to a loan offer once you have reviewed the loan terms. In most cases, approval is within the hour for the best payday loans and you can receive the money you need instantly.
The maximum duration for most payday loans is one business day; however, approval speed may vary from one payday lending company to the other.
Are Legit Payday Loans a Good Choice for Me?
| Advantages | Disadvantages |
| Payday loans are approved instantly. | Interest rates and other associated fees are high. |
| You can get a payday loan from a direct lender, even with poor credit. | It is a short-term loan, so repayment period is often short. |
| No security or guarantors required for this type of loan. | You can only get small loan amounts at a time. |
| Fewer requirements compared to other loan types. |
Why Apply For Payday Loans Via DLT
| We have several loan providers in our lender network offering the best annual percentage rates (APR). | Simple online application process with no fees required. | You can apply for a payday loan with DLT anytime, anywhere and from any device |
How Do Payday Loans Work?
- Fill out an online form Provide your basic details by filling a simple form online.
- Get loan offers The information will be used to match you with a lender. You can browse through various offers that you qualify for and choose the most suitable.
- Loan approval The payday loan provider will process your application within minutes and send you an offer. Once you accept the terms of the loan agreement, the funds will be sent directly to your bank account.
A payday loan is a type of short-term money loan which a lender gives ahead of your next payday. Also known as a cash advance, a payday loan is an unsecured loan and it is usually based on your expected income for the month.
Since this is a small dollar loan, your instant payday loan application can be approved within 15 minutes—which is pretty fast. Most providers are able to review your application and send you an offer within the hour. Once approved, the loan will be sent to your account directly within the same business day. If there are any mistakes or inaccuracies in your application, this can prolong the approval time as we may need some clarifications. Also, applying after working hours means that we will process your request the next business day. So, if you apply on Friday evening or on a Saturday, you can get approved on Monday the fastest.
The main requirement to get a legit payday loan is a verified source of income. You don’t have to be employed to get a short-term loan like this. Any alternative source of income, such as social security payment, unemployment benefit, alimony or child support, will work for a payday loan application.
To be eligible for a legit payday loan, you must be 18 years or older. You also need to have a means of income to repay the loan and a checking account to receive the loan when it is approved.
Most local payday loan providers will require you to have an active bank account in your name before approving your loan. However, there are some third party lenders that will approve your loan without a savings account. As long as you are able to prove that you have sufficient income to cover the debt, you can always get a payday loan.
The information you provided during your loan application will be used to match you to trusted lenders near you. DirectLoanTransfer isn't a lender itself—we use the information you provide to process loan offers from the providers around you and give you a list of options you can choose from.
You can get legitimate payday loans between $100 to $5,000 via DLT. However, the exact amount that will be approved for you depends on your income and the lender you select.
Credit checks are used by banks to determine your ability to repay a loan you intend to take. A credit check is a check of your financial history—it grants the bank access to information about loans you have taken in the past, your payment habits, and the type of loans you currently have access with.
In other words, credit checks are used to calculate the risks of lending you money.
Yes, having a bank account is a common requirement to get a payday loan from most loan providers, especially when you apply online. Nevertheless, some loan providers offer cash or check payment and these won’t require you to have a bank account.
Once your loan is approved, you will get an SMS or email from the loan provider notifying you of the status of your loan and how much has been approved for you. Typically, you’ll get this within minutes of applying for a loan.
To increase your chances of getting your payday loan approved, you need to have a stable income of at least $1,500 monthly, which you will be asked to show proof of your earnings during the application process.
Having no additional loans at the moment, doing credit reports and changing banks to a more secure/popular bank can also increase your chances of getting a loan.
Payday loans are easier to get compared to conventional bank loans. The application process is straightforward, they do not require credit checks, and you can get a loan even if you have a bad credit score. You also don’t need collateral or a guarantor to get this type of short-term cash loan unless you’re applying for a title loan.
When you apply for payday loans with DLT, you will be asked to provide your ZIP code. This will be used to match you with lenders around you. Additionally, it’s important to provide your state of residency because each state has their own payday loan terms and some states do not even allow payday loans
If you reside in a state where payday cash advances are illegal, you may still get other types of loans to meet your financial needs through DLT.
No, there is no prepayment penalty on payday loans. Typically, you’re expected to repay your loan when you get your paycheck, and most providers will not charge you any extra loan fees if you pay back earlier than the due date.
The simplest way to repay a payday loan is to allow the lender to withdraw the debt owed from your bank account on the due date of the loan. Alternatively, you can pay back through electronic transfer or by check.
Repayment via check is less common and only occurs in rare cases. Usually, payday loans are repaid as a one-time payment instead of fixed monthly payments or installments.