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Personal Information

Requested Amount

Email*

First Name*

Last Name *

Date Of Birth *

Primary Phone*

Provide a number where you can be reached by a customer service representative in the event they have a question about your loan request. This will ensure that you get your cash ASAP in the event there is an error on your form.

Secondary Phone*

Best time to Call*

Street Address

Please provide your permanent address. P.O. Boxes are NOT accepted as addresses.

City*

State *

Zipcode*

Employment Information

Months at Address*

Driver license*

Drivers license number*

Your driver's license number (or state I.D.) is used to verify your identity. In the event you do not have either of these numbers, you can also provide the number from your passport or birth certificate.

Are you active military person?*

Are You a HomeOwner?*

Income Type*

Gross Monthly Income*

Employer*

This information is used to verify you are employed. You are not disqualified if you are currently unemployed. If you are retired or on disability, just enter that information in this field.

Job title*

Months Employed*

How Often Are You Paid?

PayDate1*

PayDate2*

Financial Information

ABA/Routing Number*

Bank Name*

Since money will be electronically deposited into your account, this information is required to complete the transfer. Make sure the information you provide is accurate in order to ensure you receive your funds ASAP.

Account Number*

Type of Account*

Direct Deposit

Debit Card

Months with Bank Account

Social Security Number

Lenders use your social security number to verify your identity. It is vital that you enter your valid social security number. Lenders will reject those whose information they can not verify.

Direct Payday Lenders No Third Party Bad Credit

Direct Payday lenders are financing creditors who lend a payday loan to a borrower directly without the involvement of another third-party or any kind of a brokerage service. The loan discussions and agreement take place directly in between the lender and the borrower.

Who Are the Direct Payday Lenders?

Most of the direct lenders offer cash advances directly to the borrowers mostly as a payday loan wherein the borrower will have to make the payment on the next paycheck day.

Why Choose Direct Payday Lenders

Since all the talk is directly happening in between the money creditor and the borrower, this method of acquiring a loan saves the borrowera lot of time rather than having to go through multiple parties for a loan. The lender is a single source who is directly involved with the borrower.

Most of the money lenders are hesitant to offer a loan to a borrower who has a flawed or a low credit score as the credit numbers depict the likeliness of the borrower to rightfully repay the loan on time. This is when the payday loan lenders come into action. The payday lenders offer payday loans to the borrower instantly even if they have a low credit score. This requisite of “direct payday lenders no third party bad credit” is probably the best option when it comes to the borrowers who may not have a very attractive credit score. And since there is no third party involved, it is also helpful when there are time constraints for getting a loan.

Quick Online loans for Bad Credit

The indispensable prerequisite of “direct payday lenders no third party bad credit” is even more advantageous as most of the times the lenders offer options to apply for the loan online as it does not need any collateral or much verification. In turn, the cash is credited electronically to the borrower which saves time and is a win-win situation for both the creditor and the borrower.

Required Criteria

Having a poor credit score does not matter much when you are applying for a payday loan. All you need to prove is that you are a permanent US resident, a legal adult, have a valid checking bank account, a steady income, your residency, and identity. All the documents related to these criteria will have to be uploaded online in case of an online loan process or should be given to the lender if it is a P2P loan process.

Fast Approval

It is understandable that people look for payday loans when they are in acute need of money. Most of the lenders identify with such situations. So, the lenders do not take long times and make sure to process the loan application as quickly as possible so that the borrower is not left hanging in between hope and doubt.

The payday loans are taken usually to meet immediate and unexpected expenses. They can also be used for paying the recurring bills, to buy groceries, domestic utilities, to fund the tuition or educational fees, repairs, or any kind of purchase which needs a one-time payment.

So, if your need to satisfy your short-term needs immediately or need quick cash for emergencies, it is always better to look for a licensed direct payday lender who will offer a considerable amount of loan quickly even for a bad credit score.

Loans

Payday Loans

Running short of cash for the month? Easily available small cash amounts on a short term basis. Apply now!

Installment Loans

Conventional & safe. Access your installment loan & pay back at your own pace. Apply now!

Title Loans

Unlock the financial power of your car. Use it as collateral for the cash you need. Apply now!

Why Choose Instant Credit Loans?

Affordable Interest Rates

We avoid penalizing interest rates and offer rates that are fair & reasonable.

Screened Lenders

We offer loans from screened & verified vendors to ensure your safety & ease of repayment.

High Approval Rates

We understand your need for quick & assured loan approvals & strive towards higher loan approval rates.

FAQ'S

01. What is the loan amount that I can borrow?

The offered loan amount ranges from $100 up to $10,000 for personal loans and from $5000 up to $750,000 for business loans.

02. What is meant by APR?

The full form of APR is Annual Percentage Rate. In the banking & financial industry, this denotes the rate at which you can borrow a particular loan. Usually, APR is high for borrowers with a bad credit history or the borrower is borrowing for a long period of time. APR is also dependent upon individual lenders & the rate at which they prefer to lend.

03. What is the eligibility criteria to apply for a loan?

To be eligible for the loan, you need to:
1) Be at least 18 years old
2) A citizen of the United States of America
3) Have an active bank account
4) Show proof of regular income
5) Have a valid email address
6) Be a resident of a state which allows payday loans at the offered rates

04. How do I pay off my loan?

Depending on the lender, you can mostly pay by an electronic fund transfer to your lender’s bank account. For certain lenders, you might be able to pay via your debit card. Please ask your lender for details.

05. Is there a penalty for foreclosure? Can I pay back early?

Many lenders prefer an early payback given that most of these loans are of small amounts. There is no foreclosure penalty charged, as done by banks & financial institutions.

06. Why should I choose Instant Credit Loans US over other platforms?

Instant Credit Loans is known to provide payday loans, installment loans, title loans and line of credit at affordable rates. Our lenders are carefully screened to protect your interests. Backed by an easy to use platform, we pride ourselves in some of the lowest annual percentage rates (APRs) in the industry.

APR Disclosure:

Instantcreditloansus.com is a third-party aggregator & not a direct lender and therefore will not have say over the annual percentage rate (APR) you will be offered. Prior to loan application, we will provide a representative APR based on data aggregated from multiple lenders. Our APR usually ranges from 5.99% to 35.99% depending on a host of factors. APRs increase proportionately to the repayment terms which is anywhere between 61 days to 180 months. Your actual rate depends on your loan amount, credit score, loan term and credit usage & history. It is agreed upon between you and your lender.

Representative APR Example:

$1,000 loan over a 12-month term would have a total payback amount of $1,134.72, APR 29.82%. Loan amount doesn’t need to be paid at once and can be done in instalments.

Disclaimer:

Instantcreditloansus.com (website) cannot be deemed as a solicitation or offer to lend. This website provides only a service and is not a representative, agent or broker of any lender. It does not charge you or endorse for any loan product. The operators of the website too, are not lenders and do not offer loans of any or nor do they provide credit decisions. The information collected by the website is for the sole purpose of forwarding to our partners on our lender network. You in no circumstances are under an obligation to use the services of this website to either neither contact, initiate nor apply for a loan product or credit with a lender or any service provider. The offered loan amount will range for personal loans from $100 up to $10,000 and for business loans, from $5000 up to $750,000. It should be noted that not all lenders will provide the maximum loan amount and the final amount will depend on many factors. Do note that providing your personal information on this website will not guarantee you a credit or loan product approval. The speed of cash transfer will vary between lenders and will also depend on your bank or financial institution. Not all services and loans by lenders are available in all the states of USA. Some lenders may perform third party credit checks with either of these three credit bureaus i.e. Experian, Trans Union or Equifax. They may also perform alternative credit checks or may refer to alternative consumer reports to arrive at their financing decision. By submitting your loan application request, you accept, agree and authorize that your information would be sent to third-party partners and/or lenders on your behalf and such lenders may then refer to consumer reports and related financial information about you from one or more third party credit scoring or assessment agency.