Online Payday Loans | Apply In Minutes | Instant Approval

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Easily Apply Below Online in Minutes. Get Approved Instantly. Fast & Secure.

How do I apply for a payday loan?

DPL has simplified the online payday loan application process to make it fast and easy for you to apply for the cash advance you need. Just complete the application online in minutes and get a decision instantly.

You can also call (877) 244-8254 to speak directly to our payday loan service department.

How much can I borrow online?

Online lending laws vary by state. Depending on your state of residence, minimum and maximum amounts vary greatly. For full information on lending rules per state, click here.

How do Online Payday Loans Work?

View Our Process by clicking here.

How do I apply for a payday loan?

Applying for a payday loan used to be a difficult process that required visiting a local payday loan store and filling out an application in person. This meant gathering all the required documents, getting in your car, and driving to the store where you would likely have to wait in line in order to talk with the employee at the store to get your payday advance. Plus, if you forgot something, you probably had to start the process all over again.

The great news is that getting quick cash via a payday loan is now significantly easier than it used to be. Here at Direct Payday Loans (“DPL”), we have simplified the online payday loan application process to make it fast and easy for you to apply for the cash advance you need. All you need to do is take a few minutes of your time–from the comfort of your home, phone, or wherever you have internet access–and complete the online application to get a decision instantly.

If you prefer, you can also call (877) 244-8254 to speak directly to our payday loan service department.

Before you apply for a payday loan via DPL, take a few minutes to gather some documentation to make it easier for you to complete the application all at once. Required documents and information to have handy will include:

  • Your checking or savings account information,
  • Your employment information including paycheck frequency and amount, and
  • Your social security number.

If you can take a few minutes on the front end to gather this information, you will be able to quickly complete our online application and receive the cash you are seeking as soon as possible.

Why apply online?

Our online application engine is a far superior choice if you’re thinking about getting a payday loan rather than going to a local storefront in person. There are many reasons for this:

  • Faster application that you can complete online,
  • Nearly instantaneous decision that will help you get back on your feet faster, and
  • Better ability to compare offers between lenders.

We believe that the final point is the most important one to keep in mind. If you have ever applied for a payday loan in person at a local store, you know how difficult it can be to compare offerings between stores. In-person comparison necessarily requires you to drive or call between several different stores just to compare the rates and fees that the stores will be charging you.

By contrast, when you apply via Direct Payday Loans, our software will automatically connect you with several of our network lenders, so that you can immediately compare how much they will lend you and what the fees will be.

We think this is a critical piece of the payday loan application journey, as comparing lenders’ offers can often result in large savings and a better deal for you.

How much can I borrow online?

First off, keep in mind that online lending laws vary by state. Depending on your state of residence, minimum and maximum amounts as well as the fees associated with borrowing can vary greatly.

That being said, a good rule of thumb is that payday loans will generally range in amount from a minimum of $50 to a maximum of $1,000. Some payday loans are made for larger amounts than that, but once you are trying to borrow above $1,000, the lenders will frequently require a full credit check in order to ensure you are a creditworthy borrower.

Generally speaking, when you are taking out a payday loan, the lender will charge you a fee in the form of a small amount of interest. This will usually amount to about $15 per $1,000 that you borrow.

For full information on lending rules per state, click here.

How do Online Payday Loans Work?

Online payday loans are very simple to apply for and receive when you need quick cash. The basic steps are:

  1. Fill out an application with information on who you are, how much you earn, and where your bank account is.
  2. Be matched with lenders best suited to your situation who will be able to get you the information you need like how much you can borrow and how much it will cost you.
  3. Decide on which lender to use.
  4. Sign the necessary agreements.
  5. Get the quick cash that you need, often the same day you apply!

To get a more detailed look at how our process works, check out our “how it works” page by clicking here.