Are you tired of getting your loan applications denied? This is the same situation that millions of Americans face nowadays, but our recommended providers of no-denial payday loans from direct lenders are here to solve this problem for you.
Obtain immediate funding from $100 to $50,000 by completing a 5-minute application process, with a high approval for customers with…
- Bad Credit
- Extremely bad credit
- No credit score
- No credit history
- Low income
- Unemployed
- Highly indebted
If you have any of the previously mentioned problems, our recommended payday loan companies can help you. Check out the ranking below to apply for your no-refusal payday loan now.
List of Top 8 No Denial Payday Loans Direct Lenders Only in the US
You can apply for a payday loan now through our recommended providers – choose your favorite offer from our ranking to borrow the money you need now:
- Big Buck Loans: Top Provider for No Denial Payday Loans from Direct Lenders Only
- Honest Loans: Fastest Online Application
- Low Credit Finance: Largest Number of Direct Lenders
- Credit Clock: Flexible Repayment Periods for Payday Loans
- Fast Loans Group: No Hard Credit Checks Guaranteed
- Heart Paydays: Instant Approval and High Approval Rate
- Fast Money Source: Highest Approval Rate for All Customers
You can find more information about our selected lenders below because we’ve written a review for each provider to help you choose the best no-denial payday loan.
1. Big Buck Loans: Top Provider for No Denial Payday Loans from Direct Lenders Only
Big Buck Loans unites all the benefits that make a provider of no-denial payday loans from direct lenders the best choice in the US: Instant approval, same-day disbursement, low APR, flexible repayment periods, high approval rate for all types of customers, and 24/7 availability.
This is why thousands of satisfied customers have used and keep using their services to borrow money instantly because Big Buck Loans will automatically connect you with direct lenders willing to lend you from $100 to $5,000 by completing its 5-minute application process.
2. Honest Loans: Fastest Online Application and High Approval Rate
If you want a stress-free way to borrow money fast, apply for a no-denial payday loan at Honest Loans. Since 2016, they have lent from $100 to $50,000 payday loans to thousands of satisfied customers across 38 states while offering competitive interest rates, low fees, and flexible repayment periods.
3. Low Credit Finance: Largest Number of Direct Lenders
If you want to explore plenty of payday loan offers from different direct lenders, Low Credit Finance has the solution you need now. Because they have the largest network of direct payday loan lenders, you can borrow from $100 to $5,000 with the option to repay it in up to 48 months with a maximum APR of 35.99%.
4. Credit Clock: Flexible Repayment Periods for Payday Loans
Credit Clock has become one of the best providers of no-denial payday loans from direct lenders in the US, thanks to offering the most flexible repayment periods for payday loans from $100 up to $5,000. Along with its high approval rate for low credit and no credit history, they work 24/7, making them a solid choice if you need money for an emergency.
5. Fast Loans Group: No Hard Credit Checks Guaranteed
If you have several negative items on your credit report and don’t want to hurt your credit score anymore, Fast Loans Group is here to help you. Thanks to their no-refusal payday loans with zero hard credit checks, you can apply for a loan up to $50,000 today, even if you have bad credit or no credit history.
6. Heart Paydays: Instant Approval and High Approval Rate
Heart Paydays stands as a solid alternative when looking for a no-denial payday loan with no credit checks and from direct lenders only, thanks to its solid background, competitive APR, and fast disbursement with a high approval rate for all types of customers. You can borrow up to $5,000 even if you have bad credit if you’re highly indebted or unemployed at the moment.
7. Fast Money Source: Highest Approval Rate for All Customers
Offering a 90% approval rate for customers with bad credit, extremely bad credit, no credit score, highly indebted, and those who are unemployed, Fast Money Source is ready to lend you up to $50,000 from direct lenders in the US. They also offer instant approval and same-day disbursement, allowing you to borrow money fast when you need it the most.
Overview of the 8 Best No Denial Payday Loans Direct Lenders Only
To easily compare the options from our ranking, here is a table with the best benefit of each payday loan provider and their respective score. We are here to help you choose your ideal no-refusal payday loan.
| Payday Loan Provider | Best For… | Score |
| Big Buck Loans | Low APR and Fast Disbursement | 10/10 |
| Honest Loans | Easy and fast online application | 10/10 |
| Low Credit Finance | Plenty of payday loan offers | 9/10 |
| Credit Clock | Most flexible repayment periods | 9/10 |
| Fast Loans Group | No hard credit checks are guaranteed | 9/10 |
| Heart Paydays | Instant approval | 8/10 |
| Fast Money Source | Highest approval rate | 8/10 |
How to Apply for a No Denial Online Payday Loan Now
Let’s show you how to apply for a payday loan with no refusal through our recommended lenders in only 5 steps:
1. Compare and choose a no-denial payday loan provider
You have 8 different options at your disposal, and with our reviews and comparison table, you can easily choose your ideal payday loan provider. Once you’ve selected a company, click on its name to visit the official website.
2. Fill out the application form and send it
Once you’re at the official website of your chosen payday loan provider, it’s time to fill out the application form. You only need to fill out simple information such as your full name, phone number, email address, and bank account number.
3. Wait for the decision and approval
After sending your application, the payday loan company will bring you an instant decision, and if you’re approved, you will receive offers from direct lenders only. Take your time to review and compare them.
4. Review your no-refusal payday loan offer and contract
After comparing all the offers from direct payday loan lenders, choose your preferred one to receive the final agreement and contract. All you need to do now is to accept the contract and offer to receive your money.
5. Receive your payday loan within the same day
Congratulations! After accepting a payday loan offer and its contract, the direct lender will disburse the money into your bank account on the same day. This process can take just 1 hour or up to 24 hours, depending on the provider you selected.
What Are No Denial Payday Loans Direct Lenders Only?
They are a special type of payday loans provided by direct lenders that bring the highest approval rate in the industry. Hence, this exclusive payday loan brings funding to customers with bad credit, no credit score, no credit history, who are currently unemployed, who have low income, and those who are highly indebted.
They base their decisions on your income and debt-to-income ratio. As opposed to banks that rely on your credit score and credit history to determine your creditworthiness, no-denial payday loans from direct lenders are available for every customer who can afford them.
In addition to offering the highest approval rate, these special no-denial payday loans offer immediate approval with same-day disbursement, making them an ideal choice for emergencies.
Types of No Denial Payday Loans from Direct Lenders Only
There are different types of no-refusal payday loans in the market, and here you have a complete list with all the options at your disposal.
Short Term No Denial Payday Loans from Direct Lenders Only
They’re the classic payday loans that you repay in 30 days or less from your paycheck. They usually range from $100 to $300 as they’re easier to repay. However, some customers borrow and repay high amounts in 30 days or less.
Long Term No Refusal Payday Loans from Direct Lenders Only
Thanks to our recommended providers, you can also find no refusal payday loans that you can repay over several months. This payday loan ranges from $500 to $5,000 because customers usually need more than 30 days to repay them. The available repayment periods go from 3 to 48 months.
Small No Denial Payday Loans Direct Lenders
As you can easily guess, there are no denial payday loans in the range of $100 to $300, and they’re usually used for small emergencies or to pay for unexpected expenses such as a simple car repair or unplanned travel expenses. Because you’re only borrowing a small amount, it’s easier to qualify for this type of payday loan.
Large No Denial Payday Loans Direct Lenders
Here’s where you will find payday loans in the range of $500 to $5,000 and higher. Because some of our providers can bring you a payday loan as high as $50,000. Given that you’re borrowing a substantial amount of money, you’ll have to meet higher income and debt-to-income ratio standards.
No Denial Payday Loans from Direct Lenders with Instant Disbursement
Usually reserved for existing customers who have already repaid several payday loans on time, this special product will bring you the advantage of receiving immediate funding. Upon sending your application and approving it, the provider will instantly deposit the loan amount into your bank account.
Eligibility Criteria to Qualify for a Payday Loan from Direct Lenders with No Refusal
Payday loan providers and direct lenders use a different eligibility criteria than banks when evaluating a new application. Here you will find all the details about how you can qualify for a no refusal online payday loan through our selected companies.
Basic Requirements
To be eligible for a no denial payday loan, you need to meet the following basic requirements:
- 18+ years old
- US citizen or permanent resident
- Active bank account
- Active phone number
- Active email address
- Verifiable address
Income Requirements
Your income will play a determinant role in determining your creditworthiness, hence it needs to meet the following requirements:
- You must earn at least $800 to $1,000 per month
- Your income source must be verifiable
- Your income must come from a consistent and legal source
- Your income must be capable of covering the expenses and fees of the payday loan amount you want to borrow
Debt to Income Ratio Requirements
The other major factor that will determine your creditworthiness will be your debt-to-income ratio, and here you have the list of requirements you have to meet:
- Your debt to income ratio shouldn’t be higher than 40-50%
- You must not have outstanding payday loans
- You must have an understandable number of credit accounts
In a nutshell, your actual debts should allow you to repay a new payday loan without issues. This is why our recommended providers might ask questions about your housing costs and living expenses, to calculate the percentage of your income that you can use to borrow a new loan.
Why isn’t credit score considered into the eligibility criteria?
Our recommended providers don’t factor credit score into the eligibility criteria because they’re aimed at a specific public, which is mainly composed of customers with bad credit, no credit score, no credit history, who are currently unemployed or who are highly indebted.
Over 100,000,000 Americans belong to this public, and hence payday loan companies needed to use other factors to determine creditworthiness, since the majority of them usually fall in the Fair or Poor credit score categories.
This is why they’ve been relying on income source and debt-to-income ratio (DTI) to determine a customer’s creditworthiness when applying for a payday loan since the early 1990s, and they’re using the exact same system nowadays.
Why Should You Choose Our Recommended No Denial Payday Loans From Direct Lenders Only?
Our recommended providers will bring you key advantages that no other company in the US will offer you when applying for an online no denial payday loan. Here you have all the reasons why you should choose our selected companies.
Largest Network of Direct Lenders in the US
Because you’re looking for direct lenders only, our recommended providers will put you in contact with them thanks to their massive networks of lenders. After sending your application, thousands of direct lenders will review it and send you their best offers.
Selected by Specialists in Payday Loans
To fulfill our mission of selecting the best payday loan providers in the US, we contacted key specialists in payday loans to use their knowledge and experience to research the market and pick the best companies in the US. After 300+ hours of research and analysis, here you have the top 8 options for requesting a no denial payday loan from direct lenders only in the US.
Best Rates and Repayment Periods Guaranteed
Even with extremely bad credit, our recommended providers will connect you with direct lenders willing to lend you the money you need at the best rates and with the most flexible repayment periods in the market. With a maximum APR of 35.99% and up to 48 months to repay your loan, you can easily see why it’s a good idea to apply for a no denial payday loan now.
Fastest Approval and Disbursement in the US
Payday loans mean fast cash, and hence we’ve only selected the payday loan providers that offer the fastest approval and disbursement in the US. Because our recommended companies use AI-powered systems, they can approve your application instantly and proceed to disburse the money during the same day.
How We Selected the Top No Denial Payday Loans Direct Lenders Only in the US
Because our mission is to help you borrow a no denial payday loan under the best terms and conditions, we’ve applied the following filters when building this ranking.
Legit and Licensed Payday Loan Providers
Did you know that all the payday loan providers are required to be registered in all the states they do business in? This is why we only include legit companies that are properly registered and licensed. This is the first step to guarantee legal and favorable online payday loans for you.
Highly Reputable Payday Loan Direct Lenders
Our second filter is reviewing the online reviews and ratings for each payday loan provider. This is the only way by which we can certify that a company is bringing its customers a satisfactory experience when borrowing a no denial payday loan.
From TrustPilot to multiple online communities on forums and social media, our recommended companies are backed up by their customers.
Lowest APR and Fees
Payday loans don’t have to be expensive, and hence we’ve only selected the no denial payday loan direct lenders that offer the lowest APR and fees in the industry. With a maximum APR of 35.99%, even with a credit score as low as 300 points, you can rely on our recommended providers to borrow money quickly at the lowest price.
Flexible Payday Loan Amounts
Because every customer has different needs, we’ve only selected online payday lenders that offer flexible payday loan amounts. With options such as payday loans for $100, $200, $300, $500, $1,000, $2,000, $5,000 or even more, you can rely on our recommended providers to cover any emergency expense regardless of how much money you need now.
Flexible Repayment Periods
Payday loans are no longer just short-term loans you need to repay from your paycheck in 30 days or less. Nowadays you can opt for repaying it in 1, 3, 6, 9, 12, 24, 36, or even 48 months, bringing you the most flexible repayment periods in the industry for online no refusal payday lending.
Clear Contracts
No hidden terms, all laid out in simple terms and conditions that you can easily understand to make sure you’re agreeing to a payday loan offer that will respect your rights and benefit you as a borrower.
We’ve made sure to only select payday loan lenders that issue clear contracts to all of its customers, to guarantee you’re borrowing money under the best terms and conditions in the industry.
In What States Are No Denial Payday Loans from Direct Lenders Available and Legal?
It’s important to know that payday loans no refusal from direct lenders are available and legal in 38 states, and here you have the full list:
- Alabama
- Alaska
- California
- Colorado
- Delaware
- Florida
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
- Wyoming
Our recommended providers cover the majority of the states in the US, allowing you to borrow money when you need it the most.
Is It a Good Idea to Apply for a No Denial Payday Loan from Direct Lenders?
It’s a good idea to apply for no refusal payday loans from direct lenders only when you need money immediately and banks have already rejected your applications. When regular personal loans are not an option any longer, payday loans become the perfect alternative, making it an excellent idea to apply for one through our recommended providers.
Here you a list of scenarios when it’s advisable to apply for a no denial payday loan:
- Unexpected travel expenses
- Medical bills
- Tuition fees
- Emergency car repair
- Urgent home repair
- Urgent home upgrade
- Paying utilities
- Repaying a pending credit or cash advance
In short, no refusal payday loans are highly versatile and you can use them for a wide myriad of purposes.
F.A.Q
If you have more questions about no refusal or no denial payday loans, here you have the answers to the most frequently asked questions.
Which payday loan is easiest to get?
Big Buck Loans and Money Mutual offers the easiest payday loan to get thanks to their high approval rate (as high as 90%) – making it possible for all types of customers such as bad credit, no credit history, unemployed or highly indebted to qualify for a no denial payday loan.
How can I get a loan when no one will approve me?
If no one will approve you due to your low credit score, no credit history, if you’re unemployed or if you’re highly-indebted, then the easiest way to get a loan is by applying for a no denial payday loan from our recommended providers. Thanks to their high approval rate, you stand an excellent chance at obtaining the money you need now.
Are no denial payday loans safe?
Yes, our recommended no denial payday loans are safe because we only recommended licensed, registered and regulated payday loan providers. This way we guarantee that you won’t be exposed to predatory interest rates, hidden terms and conditions, unexpected fees and other deceptive practices.
How much can I borrow with a no denial payday loan from direct lenders?
You can borrow up to $5,000 from the majority of our recommended no denial payday loan providers. However, some direct lenders from our list might lend you up to $50,000 if your income and debt-to-income ratio can cover the expenses of this loan.
Do I have to repay the no refusal payday loan within 30 days from my paycheck?
No, you don’t have to repay your no refusal payday loan from your paycheck within 30 days unless you chose to. Because our recommended lenders bring you the most flexible repayment periods such as 3, 6, 9, 12, 24, 36 and even 48 months to pay back your credit.
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