Best No Denial Payday Loans Direct Lenders Only in 2024: Top 7 Choices for Fast Money

Looking for the best No denial Payday Loan direct lenders, we have ranked Fast Loans Group in the top spot. See below for how we have ranked the top No Denial Payday Loan in the US, along with more details on the lender with the review. 

Do you need money as soon as possible but banks and traditional financial institutions aren’t willing to help you? You’re not alone because this is the nightmare that millions of Americans have to deal with when applying for a loan - but now your fate will be different thanks to our recommended no denial payday loans direct lenders only.

Even if you have the worst possible credit score, no credit history and if you’re unemployed or your income is low, our recommended brokers will connect you with direct lenders willing to approve you for a payday loan today.

Come with us to check our recommended brokers so you can apply for a no denial payday loan from direct lenders only right now.

Ranking of the Best Payday Loans Direct Lender

Now you can easily get the payday loan you need from a direct lender thanks to our recommended brokers - here you have our ranking so you can apply for your loan right now:

• 1. Fast Loans Group: Best Broker for No Denial Payday Loan from Direct Lenders
• 2. Credit Clock: Direct Lenders Active 24/7
• 3. Honest Loans: Cheapest Payday Loans from Direct Lenders Only
• 4. Loan Raptor: Best for Fast Approval 
• 5. Heart Paydays: Best for Limited or No Credit History
• 6. Fast Money Source: Fastest Approval and Disbursement
• 7. Big Buck Loans: Highest Approval Rate for Bad Credit
• 8. Low Credit Finance: Highest Approval Rate for Low Income or Unemployed

If you want to know more about each broker before you make a final decision, then you can check the pros and cons, as well as a complete review about each one below.

1. Fast Loans Group: Best Broker for No Denial Payday Loan from Direct Lenders

Do you want to get a payday loan from a direct lender under the best possible terms? Then Fast Loans Group is the broker to choose because they’re exceptional in all the areas that matter, bringing you a low APR, no upfront fees, fast approval and disbursement, high approval rate for all types of customers and the possibility to borrow up to $50,000. Let’s check it all about this broker.

Pros of Fast Loans Group

• Low APR
• No upfront fees
• Fast approval 
• Fast disbursement
• High approval rate for bad credit and limited credit history
• High approval rate for low income and unemployed customers
• Borrow up to $50,000 for any purpose
• Quick and easy application
• Exceptional customer support service

Cons of Fast Loans Group

• Not available in all states

Full Review of Fast Loans Group for No Denial Payday Loans Direct Lenders Only

Fast Loans Group is trusted by thousands of people like you who haven’t been able to get a personal loan from a bank because their network of direct lenders provide a high approval rate for all types of customers with a low APR, the possibility to borrow up to $50,000 with convenient payment schedules, and fast disbursement for any loan amount.

They have a premium pool of direct lenders, which we’ve personally reviewed and have found out that they consistently bring excellent offers for all types of customers be it bad credit, unemployed, low income or no credit history. 

Therefore, if you want a payday loan from a premium direct lender and under the best terms and conditions, then Fast Loans Group is the broker to trust.

2. Fast Money Source: Fastest Approval and Disbursement

Do you need money as soon as possible? Then Fast Money Source will be the best choice for you because they feature the quickest disbursement process from our ranking. Come with us to check all about this broker for no denial payday loans from direct lenders only.

Pros of Fast Money Source

• Quickest payday loan disbursement
• Fast approval
• No upfront fees
• Fair interest rate
• Borrow from $100 up to $50,000
• Accepts bad credit and no credit history
• Accepts unemployed and low income borrowers

Cons of Fast Money Source

• Not available in all states
• Interest rate will vary depending on your profile and the direct lender

Full Review of Fast Money for No Denial Payday Loans Direct Lenders Only

Fast Money Source has already helped thousands of people like you that needed a payday loan from a direct lender. Since they have a high quality pool of direct lenders that are known for approving applications fast and disbursing loans the quickest, it’s become a top broker for payday loans in the US for fast payday loans.

Furthermore, they’re also popular for connecting you with direct lenders that charge fair fees and offer you flexible payment schedules, as well as the possibility to borrow anywhere from $100 up to $50,000 USD. 

Since Fast Money Source is part of the Online Lenders Alliance (OLA), you can rest assured that your application will be processed under the highest standards and that you will receive offers from high quality direct lenders only.

3. Honest Loans: Cheapest Payday Loans from Direct Lenders Only

Are you looking for the cheapest payday loans from direct lenders? Then Honest Loans is exactly what you need thanks to their pool of direct lenders that offer the lowest interest rates in the industry. Come with us to check all the reasons why you should apply for a loan through this broker.

Pros of Honest Loans

• Lowest APR for no denial payday loans from direct lenders
• No upfront fees
• High approval rate for bad credit
• High approval rate for low income
• Fast approval
• Allows early repayment
• Borrow up to $50,000 easily

Cons of Honest Loans

• It can take up to 1 business day to disburse the loan
• Not available in all states

Full Review of Honest Loans for No Denial Payday Loans Direct Lenders Only

Honest Loans has been ranked as the #1 choice for affordable payday loans thanks to their network of direct lenders that bring a competitive APR regardless of your creditworthiness. They also don’t charge upfront fees, they allow early repayment without penalties, and you can get even better rates once you become a regular client.

Only keep in mind that this broker can take up to 1 business day to disburse the loan, making it less practical for emergencies than other options from this ranking such as Fast Loans Group, Fast Money Source or Credit Clock. But if all you want is to save more money, especially if you want to borrow a significant amount such as $1,000+, then Honest Loans is an excellent choice.

4. Heart Paydays: Best for Limited or No Credit History

Have you been rejected by banks because you have a limited or zero credit history? Then Heart Paydays is here to change it, because it’s the broker with the pool of direct lenders that offer the highest approval rate for customers with limited or no credit history. Come with us to explore all the benefits of this broker.

Pros of Heart Paydays

• Direct lenders with the highest approval rate for limited credit history
• High approval rate for bad credit
• Competitive APR
• Quick application
• Fast approval
• Great customer support

Cons of Heart Paydays

• Disbursement can take longer than expected
• Not available in all states

Full Review of Heart Paydays for No Denial Payday Loans Direct Lenders Only

Heart Paydays is one of the most complete brokers for payday loans because all the FICO scores are welcome, you can borrow up to $5000 easily, and you will be approved instantly and receive the best offers from direct lenders who can help you even if you have zero credit history.

This broker does not factor in your credit score or credit history when judging your creditworthiness, making it easier for you to get a loan. Their network of direct lenders is massive, so you will receive plenty of offers within minutes after getting approved by the broker.

Only keep in mind that the direct lenders at Heart Paydays can take 1 business day or a bit more to disburse your loan.

5. Credit Clock: Direct Lenders Active 24/7

Do you need a payday loan outside of business hours? Then Credit Clock will be the best option for you because it has a pool of direct lenders that work 24/7, who are ready to approve your application instantly and to disburse the loan in just a few hours. Let’s explore all the reasons why this is one of the best brokers for no denial payday loans from direct lenders.

Pros of Credit Clock

• Direct lenders available 24/7
• Use the payday loan for any purpose
• Competitive APR 
• No upfront fees
• Accepts bad credit and limited credit history
• Fast approval and disbursement

Cons of Credit Clock

• Strict minimum monthly income requirement
• Not available in all states

Full Review of Credit Clock for No Denial Payday Loans Direct Lenders Only

Credit Clock is considered as the top option for emergency payday loans thanks to their network of direct lenders who work 24/7. Even if you need money at 4 A.M. on a Holiday, their direct lenders will quickly review your application and proceed to disburse the money fast if you’ve been approved.

Their direct lenders compete closely with our top options in terms of the APR, because they charge a competitive interest rate and low fees. And since they also accept customers with bad credit, your chances of getting the money you need will increase exponentially.

However, Credit Clock does not provide a good approval rate for low income or unemployed customers because they have a strict minimum monthly income requirement.

6. Big Buck Loans: Highest Approval Rate for Bad Credit

Has your credit score stopped you from getting approved for a loan? This is a typical situation at banks and traditional financial institutions, but Big Buck Loans is here to change it thanks to its vast network of direct lenders who offer the highest approval rate for bad credit customers. Let’s see why you should choose this broker to obtain the payday loan you need.

Pros of Big Buck Loans

• Highest approval rate for bad credit and extremely bad credit
• Accepts customers with limited credit history
• Accepts low income
• Fast approval and disbursement
• Quick application process
• Flexible payment schedule

Cons of Big Buck Loans

• High APR
• Customer support needs improvement
• Not available in all states

Full Review of Big Buck Loans for No Denial Payday Loans Direct Lenders Only

Since the last few years, Big Buck Loans has been the go-to broker for Americans with bad credit or extremely bad credit thanks to its network of direct lenders. Since they don’t perform hard credit checks, they don’t consider your credit score as an eligibility requirement, making it much easier for you to get approved.

They also accept customers with low income or limited credit history, so even if you have the aforementioned problems in addition to bad credit, you can still get approved. However, keep in mind that the APR will increase because of your creditworthiness.

The direct lenders at Big Buck Loans charge an APR that can range from 5.99% to 35.99%, and if you have extremely bad credit, then you could end up paying anywhere from 12% up to 35.99%.

7. Low Credit Finance: Highest Approval Rate for Low Income or Unemployed

Are you unemployed or your income is low at the moment? Then you will be happy to know that Low Credit Finance can connect you with a direct lender willing to lend you the money you need regardless of your current financial situation. Let’s see why applying for a loan through this broker is an excellent idea.

Pros of Low Credit Finance

• Highest approval rate for unemployed and low income borrowers
• Accepts customers with bad credit
• Fast approval and disbursement
• No upfront fees
• Exceptional customer support

Cons of Low Credit Finance

• High APR
• Not available in all states

Full Review of Low Credit Finance for No Denial Payday Loans Direct Lenders Only

Low Credit Finance is the best broker for customers with low income or who are currently unemployed because their network of direct lenders are specialized in serving this type of borrower. Therefore, now you can borrow the money you need up to $5,000 with fast approval and disbursement, making it ideal for emergencies - especially since they don’t ask questions.

There is no paperwork and no hidden fees, making it one of the most transparent brokers for no payday loans nowadays. Just submit all the requested information and they will connect you with a direct lender willing to help you.

However, the direct lender at Low Credit Finance will increase the APR based on your creditworthiness, and as you are unemployed or have a low income, the total cost of the loan will be a bit more expensive than average. For reference, the APR ranges from 5.99% to 35.99%.

What Are Direct Lenders Only Payday Loans With No Denial?

They are payday loans issued by direct lenders, who can be people like you and me. They issue these loans through brokers, which are the brands we’ve listed in our ranking. Once you send your application through any of our brokers, they will share it with their pool of direct lenders so you can receive a response as soon as possible and the money can be disbursed into your bank account the same day.

The “no denial” part means that, once you’ve been approved by the broker by meeting all of their eligibility requirements and standards, which are created based on their pool of direct lenders, you will receive a valid offer and it will be up to you to accept it or reject it.

In summary, our recommended no denial payday loan from direct lenders only make it possible for you to get the money you need even if you have a bad credit score, low income or if you’re currently unemployed - because these brokers work with direct lenders who offer the highest approval rate in the payday loans industry.

Terms and Conditions of Payday Loans from Direct Lenders

If you want to fully understand what these payday loans really are, it’s key to talk about their terms and conditions. Here you have a full list of what you need to know:

• Your application will be sent through a broker that will share it with their respective pools of direct lenders once they’ve made sure that you meet the minimum eligibility requirements. Therefore, the brands we recommend do not lend the money directly - they’re a bridge between you and direct payday lenders
  
  
• No denial payday loans from direct lenders only are usually unsecured
  
  
• You need to provide the broker with proof of income and enough info to determine your debt to income ratio
  
• You will not have to undergo a hard credit check when applying for a no denial payday loan from direct lenders
  
• These payday loans are usually short-term, bringing you terms from 7 to 31 days - however, some brokers work with pool of direct lenders that can bring you terms up to 24 months if you qualify
  
• You may have to pay an origination fee when applying for a payday loan from direct lenders
  
• Some direct lenders will allow you to repay the payday loan earlier and in full without charging extra fees
  
• The approval and disbursement processes are fast, usually performed within 24 hours.

Now you can really understand what these payday loans are, and as you can see, they’re an excellent product for people who struggle to get a conventional loan from a bank or a traditional financial institution. 

Pool of Direct Lenders for No Denial Payday Loans

Due to their broad list of reputable direct lenders, our brokers enable you to obtain a payday loan even if you have bad credit, little income, no credit history, or are presently jobless. All the kinds of customers that banks typically turn away but that our suggested brands will gladly accept and assist.

They have vetted thousands of direct lenders from every US state that permits payday loans in order to only choose the finest ones for you in terms of interest rates, fees, loan limitations, and other factors.

Convenience and Reliability

No denial payday loans from direct lenders are more convenient and reliable than conventional personal loans from traditional banks because you have to meet just a few eligibility requirements that don’t factor in your credit score, making it much easier to get approved.

Furthermore, since the approval process is usually completed within minutes and because the disbursement will take place the same day, they’re even more convenient when compared to conventional personal loans that can take several business days to get disbursed.

Because our selected no denial payday loans from direct lenders only offer the lowest interest rates and fees in this category, you won’t have to deal with excessively expensive loans. And since our recommended brokers will connect you with high quality direct lenders, you can get access to flexible payment schedules precisely designed for your own needs.

Approval and Turnover

Because the eligibility requirements are easy to meet and thanks to their efficient software and systems, you can get approved instantly and receive the loan money in your bank account the same day. This will vary depending on the direct lender you choose, but it can vary from a few hours to just a few minutes.

The application process will take you 5 minutes or less because you only have to enter basic information. Once you’ve supplied the broker with all the data they need, they will pre-approve your application and then proceed to share it with their pool of direct lenders, so you can receive the best offer. Once you accept it and agree to the final terms and conditions, then the direct lender will disburse the money in your bank account or through your preferred payment method.

Benefits of Direct Lenders Only No Denial Payday Loans

These loans are wildly popular in the United States because they offer exclusive benefits that other types of financing could never offer you if you have bad credit, a limited credit history (or none at all), low income or if you’re unemployed.

Easy Approval

As long as you have a verifiable source of income (even if you’re unemployed), you can get approved for a payday loan. You can get your loan even with a bad credit score, low income, no credit history or if you get money from alternative income sources such as unemployed benefits or online gigs.

It doesn’t matter what kind of profile you have, as long as you meet the minimal requirements of our direct lenders, then your application will be approved and the money will be disbursed as soon as possible.

Fast Disbursement

Since we’ve selected the best brokers of payday loans, you can expect to get approved instantly and to receive the money the same day. This is possible thanks to their selected pool of direct lenders who offer fast approval and disbursement, so you can get the cash you need as soon as possible.

Ideal for Emergencies

Since our recommended brokers only work with direct lenders that will allow you to use the payday loan money as you wish, you can use it for any type of emergency. Be it paying for late college fees, pending medical bills, a last-minute car repair or funeral costs, you can rely on our no denial payday loans from direct lenders only to get the money you need.

Tailored Payday Loans

One of the most important benefits of our recommended payday loans from direct lenders is that they can be tailored to your own needs and goals. For example, you could opt for a small payday loan of just $100 or even a payday loan of $255, which are very popular in states like California that have set strict limits for payday loans.

You can also find tailored payday loans for bigger needs such as a payday loan for $1000 or even a payday loan for $2000. As long as your state allows payday lending brokers and individuals to offer loans for $1,000+, then our recommended brokers will happily connect you with direct lenders willing to help you.

Perfect to Build Up Credit

You can use these no denial payday loans from direct lenders to build up your credit. Since the majority of these lenders report to credit bureaus such as Equifax, TransUnion, and Experian, you will see a positive impact on your credit score as long as you pay back on time. And this can also be a useful tool if you’ve decided to hire the services of a credit repair company, because this will help you to boost your credit score even more.

About the Customer Eligibility Requirements for No Denial Payday Loan Direct Lenders Only

It’s also vital to understand what the customer eligibility requirements are before applying for this payday loan through our brokers, because this will help you to increase your chances of getting approved. Here you have all you need to know:

• You must be 18 years old or older
• You must be a US citizen or permanent resident
• You must have a valid phone number and email address
• You must have an active bank account
• You must have a verifiable and consistent income source
• You must have an acceptable debt-to-income ratio (DTI)

From these eligibility requirements, the most important ones are the income source and the DTI. For example, the majority of direct lenders will only consider your application if you earn at least $500/month, but this will vary depending on the broker and the amount you want to borrow.

Since our recommended brokers work with direct lenders that offer a high approval rate for all types of customers, they will accept alternative income sources such as a pension, dividends, online income, unemployment benefits, etc. 

When it comes to the debt-to-income ratio, it’s important to keep it below 36% because most direct lenders could reject your application if you surpass that mark. It’s simply the result of dividing your total debt and monthly expenses between your gross income, and it helps lenders to determine your creditworthiness by calculating how probable it is that you will repay the loan on time.

Related posts about Best Payday Loans $500

F.A.Q

Checking the responses to the most frequently asked questions is the best approach to learn more about the brokers we recommend for no denial payday loans from only direct lenders. So that you can stay updated, they are provided here.

Are no denial payday loans from direct lenders only legal?

Yes, because we only recommended brokers that are registered in all the US states they do business in, that meet all the current regulations and rulings for payday loans and that enjoy a positive reputation on the internet. You can legally apply for payday loans from direct lenders through our brokers.

How much do no denial payday loans from direct lenders cost?

This will vary depending on factors such as your current income, your debt to income ratio, and sometimes your credit score. For example, if you have a solid income source and a low debt to income ratio, then your payday loan will have an APR of 6% to 15%, but if you have extremely bad credit, a high debt to income ratio and an unconventional income source, then the APR could surpass the 15% mark and range from 20% to 35%.

Do no denial payday loans from direct lenders offer guaranteed approval?

No, they do not offer guaranteed approval because you still need to meet their specific eligibility requirements such as earning enough money per month to cover the cost of the loan, as well as having a debt-to-income ratio that allows you to repay the loan on time. In addition, it's against the current regulations for payday loans to offer guaranteed approval.

What to do if I’m declined for payday loans from direct lenders?

The most common reasons why you may be denied a payday loan from direct lenders are a very high debt-to-income ratio that will make it hard for you to repay the loan and not having sufficient income to cover the cost of the loan for the amount you want to borrow. Therefore, if you want to improve your chances of getting approved then you need to lower your debt-to-income ratio and only borrow an amount of money that you could cover with your current income.

Other related posts Personal Loans No credit check