Direct Payday Loan Lenders Online
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Applying Does NOT Affect Your Credit Score
Applying Does NOT Affect Your Credit Score
When you're in need of funds, but traditional loans are not an option, chances are that you shall be looking for a direct lender loan. A traditional loan may not be available to you or useful for you due to one or more of these reasons:
Typically, a trusted direct payday loan lender is able to address all these issues and hence services of many such lenders have seen growing demand in recent years.
These direct lender loans can be procured from the lender directly or through third-party sources like mortgage brokers and matching services.
As you read ahead, you shall find a vast number of reasons to choose direct payday loan lenders over third-party brokers and matching services.
Payday loans are a high risk product for lenders to offer. Since many safety mechanisms of a traditional loan are bypassed in order to enable service to a vast number of borrowers, the risk associated with the loan becomes relatively high as most borrowers tend to have poor repayment histories or credit scores. This high risk means that the lender is bound to charge high interest and fees on the loans, and that is what makes payday loans more expensive than traditional loans.
When you deal with a direct lender for a payday loan, the extra expenses like commissions and brokerage that the third-party entities charge are eliminated, thus allowing the direct payday lender to offer a better deal on the loans, making them more affordable.
Available as physical store-based and web-based services, loans from direct payday loan lenders with no third-party involvement have more added benefits apart from just the affordability. Choosing to transact directly with the lender can make your transaction quicker and easier.
However, the most important factor to consider while choosing a direct lender is loan safety. There are many loan offers out there, but knowing which ones come from a legitimate lender, is important as you choose a direct lender for your loan.
Choosing an online lender is helpful, as you can view customer reviews and verify the security and standard of the lender's website to get a good hint about the lender's legitimacy.
Also, when you opt for online payday loan organizations, you can enjoy unmatched convenience, and for many borrowers choosing direct lender loans, this convenience may be of utmost importance.
For many borrowers of payday loans, it is very essential to get their loan approved as they choose the rather expensive payday loans only in emergencies. Payday loans have a certain risk of non-repayment due to them being open to bad credit borrowers. Still, the risk is limited in the way that the amount is typically restricted to $500 or $1,000, depending on state laws and lender limitations. Some states may add further restrictions too.
Considering this, some of the experienced and service-oriented lenders, such as us at CapitalPaydayLoan, extend a guarantee to all eligible borrowers. If the loan applied for is considered safe for the borrower to return on time, eligible borrowers are guaranteed approval of their payday loan by us as your direct lender, subject to the provision of genuine and complete details and documentation.
We go a step ahead of what most of the trusted and established direct lenders like us offer. We also extend a similar guarantee on the approval of short-term installment loans. We offer 3, 6 and even 12-month tenures of monthly and bi-monthly repayment loans on which a similar guarantee of approvals is applicable. This flexibility can be of great use to you when you need a slightly higher amount of a loan that you can repay over a longer time duration.
Choose CapitalPaydayLoan & enjoy affordable and reliable cash right when you need it.
We at CapitalPaydayLoan offer second chance as well as last chance payday loans. No matter how many rejections you've faced in the past and for whatever reasons those rejections may have been, our loan approval and assessment policy and procedure remain absolutely independent of that. Many direct lenders do not offer this level of customer-friendly services, but with us as your trusted lender, rest assured that we maintain our process of assessment absolutely independent of your borrowing history.
Payday loans with no credit checks help you not just by welcoming your application despite a bad credit performance but by eliminating the time that a credit check adds to the lending process as well as by allowing you not to feature your loan application on your credit history.
When an individual with a poor credit score applies for a loan, typically, this further dents their credit score. When you choose our no credit check loans, this simply doesn't happen.
Many lenders and brokers claim to offer payday loans with no denials. However, it's only registered direct lenders that can make the actual decision to provide this option to their borrowers. It must be the same as the "guaranteed payday loan" we explained above, just expressed in a more trending lingo.
Having read and understood the advantages of choosing us as your direct payday loan lender, you've probably made up your mind to take the next step and apply for a payday loan that involves no third-party entities. Congratulations! You're now just a step away from getting what you want. Simply hit the "Apply Now" button & you shall find a short and simple online application that provides us with all details we need to perform a brief check and get in touch with you to offer a loan to suit your needs.
This service and website is an invitation to send us a Payday loan application, not an offer to make a loan. We are registered with Utah's Department of Financial Institution. If we approve your loan application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. This service may or may not be available in your particular state.
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Consumer Notice: Available loan product types and loan amount limited vary with the market. Loans are subject to state regulations, eligibility terms, certifications, underwriting, and approval. Rates, fees, terms, and conditions apply. Loan decisions and disbursal times are subject to system limitations. In some cases, verification may require additional processes, which can delay the loan decision.
Short-term loans are intended for short-term financial needs and not to serve as long-term financial solutions. Customers with credit-related issues and hardships are advised to seek credit counseling.
Our goal is to promote safe and responsible lending. Short-term loans should not be used as a long-term financial solution but rather for short-term financial requirements. Credit counselling is recommended for customers who have credit issues.
CapitalPaydayLoan is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through CapitalPaydayLoan.
The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.
Terms such as “instant approval”, “guaranteed approval”, “bad credit ok”, “one hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws, and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and loan rejections. Some restrictions may apply.
Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, age (provided the applicant can enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006, and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.