How to find direct payday loan lenders

Written by ehow contributor
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Direct payday lenders dispense small, short-term loans to consumers when they need money between paychecks. Direct payday loans, also called cash advances or payday loans, are available electronically, including the application submission, approval and deposit of funds. Following are tips for finding a lender.

Skill level:


  1. 1

    Select a reputable lender and then find out whether that company offers direct payday loans. Many lenders advertise payday loans, but also offer the services of a direct lender.

  2. 2

    Check that the site lists the loan fees, interest rate and any other fees or charges. Most states require that lenders make this information available to consumers before applying for a payday loan.

  3. 3

    Check with the Better Business Bureau to see if there are any complaints against the lender. Another option is to enter the name of the company in the search feature followed by the word "fraud" or "scam." This will bring up any complaints made by unsatisfied customers.

  4. 4

    Avail yourself of online resources to help you understand and find direct payday loans. (see Resources) is a forum where consumers can search for information dealing with payday loans and ask questions.

Tips and warnings

  • Look for lenders with secure sites. Check that the URL starts with "https" instead of "http." This will ensure the security and privacy of your personal information.

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