Granting Legit Quick Cash to Our Clients Since 2016!
Our primary goal is to provide our services and assistance to whoever needs to improve their credit score, understand what would be the optimal credit decisions, learn about financial products, and take out loans easily and safely.
In particular, we are proud to offer a quick cash system that, thanks to our extensive lender network, ensures borrowers are matched with the best lender within minutes. The advantages are countless!

Can I Have Quick Cash With Bad Credit?
Yes, of course you can! When asking for a loan, you must meet a few criteria in order to get approval from the potential lenders in the network. As you can see, credit is not necessarily one of them.
- Have worked at least 90 days in your current job
- Be 18 years old or older
- Hold U.S. citizenship or be a permanent resident
- Receive a monthly income of at least $1,000 after-tax
- Hold a checking account in your own name
- Provide a valid phone number and email address
Can I Have Quick Cash With No Credit Check?
Lenders always run a soft credit check when issuing a loan. Soft inquiries won’t affect your credit score in any way, and the process is done as part of a background check by a reputable lender before they accept your loan proposal.
A hard credit check only runs if borrowing a large amount, e.g., a mortgage, and only if a borrower is admitted to receiving such a loan. Therefore, hard inquiries have nothing to do with quick loans.
Can I Have Quick Cash When Unemployed?
Yes, you can get approved for quick cash, even if you're currently unemployed. While stable monthly income is a mandatory requirement for approval, you're not limited to a working salary.
You can be eligible for a loan, whether it’s payday loans, title loans, personal loans or quick cash loans, if you receive government benefits, pension, or any alternate form of revenue. Along with your loan application, you need to provide proof of income, such as a recent bank statement or any other official document.
Can I Have Quick Cash With Instant Approval?
Definitely. Instant cash advance loans are very similar to other payday loans—a short-term cash loan for no more than a few hundred dollars, usually granted by the same day or the next business day.
Once you fill out the quick form on DLT, provide a few personal details, and choose among the various loan offers, application approval will take a few hours at max.
Is Quick Cash a Good Choice for Me?
Advantages | Disadvantages |
Easy application – Apply online whenever you want, and get instant approval. | High interest rates and APR – Loose terms mean insecurity, thus higher rates. |
No strict requirements – Fast cash loans only have few easy-to-meet loan terms. | Time constraints – According to repayment terms, payday loans are paid at once. |
No hard credit check – Perfect for low credit scores. | Defaulting – Failure to repay can lead to extra fees and higher rates. |
Why Is DLT the Best Option for You
Fast and Effective | Many Loan Products to Choose From | Credit History Doesn’t Matter |
Don’t waste any time! If you need quick cash, you can get the loan amount you want in just a business day. | Find the best solution to your problems through the loan type that suits your needs better. | Bad credit is not a problem. Credit score is not part of the few requirements at DLT. |
How Does Quick Cash Work?
- Verify that you satisfy the fundamental requirements (e.g., being 18 years old or older, having a stable job, being a legal US resident).
- Head over to directloantransfer.com and select your loan reason to get started or, alternatively, continue without reason.
- Fill in the form and carry out the agreement with the perfect direct lender.
- Review the terms and conditions and get your fast cash loan in one business day.
Quick cash loans are a kind of installment loans that clients apply for in case of urgent necessity or when unexpected emergency expenses arise. Standard loan amounts for a fast cash advance is $100 to $1,000. Maximum loan amounts are about $2,000.
The whole amount of the loan is paid out in one single payment, whereas repayment is usually done through regular installments. Cash loan payments are an excellent alternative to loans made via banks. Our system is much quicker and more effective, with a fixed interest rate and easier ways to pay the loan back.
A loan application, whatever the type, usually takes just a few hours to receive approval. After you submit the application, you and the lender carefully check the terms and conditions and then sign a digital agreement. Once it is done, you will receive the loan via direct deposit within the same day or the next business day.
When submitting your loan application form, you must provide proof of your identity, a stable employment and payment history with a positive record of paying back lenders. Apart from that, a checking account or debit card account, and you are ready to go.
Here are all the criteria you need to meet in order to apply through DLT.
- Have worked at least 90 days in your current job
- Be 18 years old or older
- Hold US citizenship or be a permanent resident
- Receive a monthly income of at least $1,000 after-tax
- Hold a checking account in your own name
- Provide a valid phone number and email address
The easiest way is to apply for a loan, whatever kind you need, is via the application form available on our website. It takes just a few minutes, and after filling it out, you can get approved in a matter of hours. The procedure is straightforward and at any time you can contact us for more help.
The reason is simple—security. At DLT, we make sure you are the person you claim to be, and that you have the possibility of paying the lenders back, regardless of your credit score. In order to know that, we must ask for financial and personal information.
We stand by the value of respecting privacy, and as you can see from our Privacy Policy, we treat your data only for the intents written above. We have also implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.
You can borrow as little as $100 and as much as $2,000. In some specific circumstances, even more.
Banks perform credit checks so that they can access the financial information related to your existing and past credit, payment habits, and types of loans. Banks need this info in order to assess your risk level as a borrower, that is, whether they can trust you will be able to pay the loan back in the terms agreed.
Yes, a checking or bank account, even through a credit union, is one of the few requirements you have to meet in order to be eligible for loan approval.
You will receive a notification to the number or email address you provided as soon as it gets approved. Thanks to the notification, you just need to be patient and wait, without stressing out about constantly checking the website. Nonetheless, you won’t have to wait long—applications are usually approved in a few hours.
- The higher your income, the better. With a stable income of $1,500 monthly you are very well positioned.
- Show proof of earnings to testify to your low risk level.
- Don’t get additional loans, it is a bad sign which could be interpreted by the lender as a hint to some economic issues.
- Do credit reports. Good credit is not fundamental, but positive credit reports certainly improve your financial profile.
- Change your bank to a more secure one.
First of all, bank loans are only better for people with good credit, therefore less opportunities are available than quick cash loans. Moreover, they are not very suitable for urgent cash. The whole process usually takes more time, and it is not so convenient compared to the speed at which you can obtain a quick cash loan.
Simply enter your ZIP code, your address, the area or the city where you live in our Locator, and we will find the nearest payday loan offers so you can choose the best one.
Usually not, but the reason for this vague answer lies in the fact that lenders have the freedom to decide whether to apply penalties and what those penalties are. Before finally agreeing to the loan, carefully read all the terms in order to verify what you are paying.
Prepayment penalty is a fee applied on borrowers who pay their loan off early. The reason for this fee, which may seem questionable at first, is simple—if you repay them earlier than stipulated, lenders lose money on interest.
Of course, delay in paying also entails negative consequences. For example, a lender might have the right, depending on the contract, to seize a valuable item (collateral) from the borrower who is failing to repay the loan.
If it is a payday loan, you simply pay it off with your next paycheck. A small dollar loan and an unsecured loan (not protected by a guarantor or collateral) shares this same concept. In case of installment loans, the amount of money to return is divided into monthly installments.