A personal loan is a fixed term loan that can be used for a multitude of purposes ranging from vehicle repairs to home improvements. A Personal Loan from directlendersfinance.com can get you the money you need when you need it most! Simply fill out the online form, a process that takes just a few short minutes and you could have an quick approval with a small-sized loan up to a max loan size of up to $10,000 on it's way to the bank account you choose. It's that easy!
Provide some basic information about yourself.
Loan options will be presented with their terms for your review.
The money will be deposited directly into your bank account for immediate withdrawal.
Know your information is safe and secure!
Requirements to qualify for a
Our network includes some of the top leaders in peer-to-peer lending—a popular alternative to traditional loan and investing options.
18+ years of age
A regular income
A bank account
Loan $1,000 - $10,000
We work with most credit types.
You can use it for Unexpected emergencies, Vehicle Repairs, Debt Consolidation, Medical Bills, Special Events, Small Business Loans, Home Improvements.
Loans provided by the participating lenders in our network are term loans from 3 months to 5 years. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid within 3 months to 5 years.
The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender must show you the APR before you enter into the loan. States have laws limiting the APR that the lender can charge you. APRs for example can vary from 6.59% to 36%. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.
Our participating lenders may verify your social security number, driver's license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. If they do, please know that this may lower your credit score. Some of our participating lenders will not perform credit checks with the three major credit reporting bureaus. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.
Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan or will not renew. State laws often govern loan renewal policies. Be sure to know your state’s policies in regard to loan renewal and carefully read the lender's terms before agreeing to and submitting your e-signature.
ach lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.
If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:
We are not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments.