Installment Loans Direct Lenders | Bad Credit Direct Lenders Only List



Installment direct lenders loans have won the hearts of many people by offering different well thought plans that attend to the needs of the common person.

Unexpected expenses are difficult to pay. To handle such cases, temporary solutions are needed. Installment loans provide the best solution and this is where installment loans direct lenders come in hand. Borrowing money from direct lenders is a good option for people looking for a longer-term loan. In this review, we’re going to introduce you to some of the best installment loans direct lenders in the industry after careful review.

Best Installment Loans Direct Lenders – Quick-Pick

  1. Viva Payday Loans – Best of the West. Visit now.
  2. Credit Clock – Best for no late repayment fees
  3. Money Lender Squad – Best for quick funding without phonecalls
  4. Very Merry Loans – Best for no previous credit history required
  5. Heart Paydays – Best for instant decisions

How To Get Installment Loans with Direct Lenders – Quick 4-step guide

There are four quick steps any user can take to ensure they get loans through these different Installment loans direct lenders as they are all registered entities of Viva Payday loans. We’re going to point out these four quick steps to ensure that it’s easy to follow when you want to broker a loan deal.

Step 1. Visit Viva Payday Loans – Getting a loan with Viva Payday Loans is quite easy if you follow these very simple steps. Select how much you want to borrow from the Installment loans direct lenders by filling their forms. Remember that you can borrow between $100 – $5000 within 3-6 months however you have to ensure that your loan criteria are realistic and you can always pay back your loan in time.

Step 2. Complete Loan Application – You need to complete your loan application by providing some personal information. This information will be filled on the payday website after you have determined the amount you want to borrow.

Step 3. Get Your Decision – Getting a decision on your loan application is the next step. After filling the necessary application, you’ll have to select a befitting criterion for requesting the loan. You will get a decision on the loan application after making the necessary selection and processing the Installment loans direct lenders application form.

Step 4. Receive Your Loan – Based on the criteria for your application, you will receive a decision within minutes of submitting your application. If you agree to the lender’s criteria and your loan budget matches the lender’s loaning capacity, the loan will be disbursed to any account of your choice.

What are Installment Loans Direct Lenders?

Installment Loans Direct Lenders are companies or businesses that provide loans directly to borrowers without the need for a broker or middleman. Installment loans are characterized by two things: their ability to be accessed quickly and their lengthy repayment periods. Direct lenders make it easy for loan seekers to secure these loans. They’re the most reliable option when it comes to accessing these loans.

For a first-timer, knowing where and who to visit when you want to seek loans can be tricky and hard. However, with the available information on the internet, it is possible to engage loan companies and utilize your best judgment to arrive at the best option for you.

Reviews are a good place to start, for example. In every industry, some Installment loans direct lenders can be found among the top service providers in that industry. Taking time to go over the reviews written about these service providers is a wise decision.

While reviewing the loan providers, ensure that your preferred company is licensed by the state to conduct direct lending of Installment loans. Although some Installment loans direct lenders may have licenses in some states, they may not necessarily have the license you need for your state, so be sure to get proof of license before proceeding with the loan application.

You can call the companies to ascertain their terms and if they work for you. In most cases, with the right amount of due diligence, you can easily detect that a provider is a right choice without risking falling into the wrong hands.

Best Installment Loans Direct Lenders – Full Reviews

1. Viva Payday Loans

Viva Payday Loans offers a simple, fast, reliable and efficient service. All that is required is for the client to provide information regarding the amount they need and the duration they need the cash for and the loan is theirs.

Before any client receives any loan from Viva Payday Loans, they need to meet some criteria which makes them eligible to apply for the loan. These criteria include;

  • Being above 18 years
  • Receives a regular monthly income of over $1000
  • Possesses a valid saving account with a direct deposit option and a valid permanent address

Users can request to borrow between $100 to $5,000 which can be paid back over a two to twenty-four months period. These loans come with an interest rate of 5.99% to 35.99% depending on the loan duration. Viva Payday Loans offer two types of payday loans which include Instant Payday Loans Bad Credit and Quick Cash Loans No Credit Check.

As long as you meet the borrowing criteria, you can get payday loans for unemployed people at Therefore, you need to prove that you will be able to pay back the loan, have all the necessary documents, and receive at least $1,000 each month in your bank account. Affordability truly is the key here.


    • Same day payout option available
  • The application process wastes no times
  • Loans are approved within minutes


    • Not present in many states

2. Credit Clock

Credit Clock is another short-term loan broker which offers payday loans, personal loans, and bad credit loans ranging from $200 to $5,000. Credit Clock, as the name sounds, is a well-known broker popular for its quick application process especially for people in need of quick cash and are under pressure to deliver.

Completing the application process on this site can be done in under five minutes with approval for the loan coming a few minutes after completing the process. The entire process doesn’t take up to24 hours.

Credit Clock is known for its simple approval process. Bad credit applicants are employed to apply -as far as they meet the $1,000 monthly income requirement. Applicants must prove they earn an income and provide their address, as well as prove that they are financially responsible. Only registered American citizens with permanent residency can apply for loans through this portal.


    • Loans are disbursed under 24hrs
  • The platform is safe and legal
  • Loans are approved within minutes of application


    • You cannot borrow if you don’t earn $1000 and above per month

3. Money Lender Squad

Loans offered by Money Lender Squad come with low-interest rates and no guarantor requirements for the US markets. Using this platform, you can receive instant payday loans with bad credit records. No matter what type of loan you’re looking for, whether it’s a personal loan lasting 24 months or a quick payday loan with a 60 days duration, Money Lender Squad got you covered. Getting a loan from Money Lender Squad can cost you between 36% to over 400% in interest charges depending on the duration of your loan.

Because Money Lender Squad focuses primarily on affordability, there is no hard credit check. With Money Lender Squad, you can apply for payday loans with bad credit in just a few minutes. Applicants simply need to fill out the online form, submit it and the automated system distributes their loan applications to lenders most likely to approve the loan.

Afterwards, lenders can determine if they can help you. The process will be completed on the lender’s website if any of them on Money Lender Squad’s panel can assist. After you complete the registration process directly with the lender and sign the agreement, the money is deposited into your account by the next business day.


  • No guarantor is required
  • You can extend your loan terms


    • A low credit score will not favour the borrower as they attain higher interest rates

4. Very Merry Loans connects users with reputable lenders. Users can find instant payday loans available on the portal, as well as same-day loans which can be accessed in a matter of minutes and paid out in under one hour or in some cases within 24 hours. The loan system here is simple. Most reputable lenders are presented by the broker.  Brokers then match clients with lenders who are likely to send the user the money they require

Applicants can choose between $200 to $5,000 in loans, but the loan term must match their finance. For loans higher than $2,000, an extended repayment period of two to twenty-four months is available. Rates differ between lenders but most offer interest rates ranging from 5.99% to 35.99%.

Applicants must be at least 18 years old, earn at least $1,000 per month, be an American citizen, own proof of address, and have a verified identity.


    • Quick approval time
  • Long term loans available
  • Zero credit and bad credit borrowers are allowed to borrow


    • Your location affects the interest rates and what you would repay

5. Heart Paydays

Another popular loan portal is Heart Paydays. By offering full-service online loans, the portal removes the hassle of a storefront loan application. The entire application process for Heart Payday’s loans for people with bad credit can be completed online in just five minutes. Heart Paydays provides loans for people with bad credit within 60 and is renowned for providing loans to people who other lending platforms have rejected.

Heart Paydays can assist you regardless of your credit history, unemployment, government benefit status, or simply in need of a bit of cash. Besides offering payday loans between $200 to $2,000 in amounts paid within sixty days, the platform also offers up to $5,000 with a 24-month repayment period.

Heart Paydays is known for its low interest rates. The max APR for loans offered through the portal is 35.99%, but most lenders offer competitive rates.


    • Loan disbursement happens under 1 hour
  • Low interest rates on short term loans
  • No paperwork or phone calls required


    • All loan offers don’t have the same interest fees

Features of Installment Loans Direct Lenders

Each installment loan direct lenders we’ve reviewed have certain features in common and we’re going to lose them out in this section. The features of these direct lenders include;

Fixed loan range with an extended payment period

The majority of these Installment loans direct lenders offer a fixed loan range of $200 – $5000 in loans and an advantage for clients is that they can take up to 24 months to pay but the longer the payment duration, the higher the interest rates.

Interest Rate

These Installment loans direct lenders offer an interest rate of between 5.99% to 35.99%. However, not all loans come with a high rate of 35.99%. You can only attain such a high-interest rate if your loan payment period is extended.

Time Efficiency

Every one of these Installment loans direct lender knows the importance of their services to their clients which is why they don’t play with their delivery time after your loan application has been accepted. It will take a maximum of 24 hours for your loan to be delivered after your application has been successful.

No Credit Check

Payday loans do not require a positive credit check to pre approve your loan unlike the regular loaning system. They don’t make any hard credit inquiries before disbursing the loans but it may affect your credit scores for better financial opportunities in the future

Advantages and Disadvantages of Installment Loans Direct Lenders


  • Loan approval between 2mins – 24 hours
  • Application process is completed under minutes
  • Same day payout available on all platforms
  • Provide solution to financial situation under minutes
  • Extended loan terms are available
  • Bad credit and zero credit borrowers are eligible
  • Low APR on short-term loans


  • Some of the loans offered come with unnecessarily high fees
  • Fees and interest rates differ based on location and residency
  • Applying for loan with low credit score will apply high interest rates
  • Not available in many states

Eligibility Criteria

To know if you’re eligible to request for loans from Installment loans direct lenders, here are their criteria;

  • You must be eighteen years of age and above
  • Details of personal information such as bank statements, proof of residence, proof of income, and other verifiable information must be made available
  • Clients must earn a regular monthly income of $1000 and above
  • Possess a valid savings and checking account with direct deposit option

Application Process

Getting a loan from Viva Payday Loan is quite simple and can be achievable in these simple steps;

Step 1. Choose your loan amount & term

Before you apply for a loan amount, you need to consider your financial strength and capacity as they’re very much important to how much you want to borrow and your payback duration. Bear in mind that you’re entitled to borrow between $100 – $5000 which last between two to twenty-four months. You have to be realistic while you’re borrowing the loan so that you can afford to pay back the loan and it doesn’t affect you negatively.

Step 2. Complete your application form

Once you’re applying for a loan through Viva Payday, you have to fill their application form on their website. You have to submit all necessary information to complete the verification process. Information needed will range from personal details to employment details to banking details to income information and your monthly expenditure. Ensure that you’re realistic with your loan criteria to help you pay back in time. Your information remains completely confidential so you have no cause to worry.

Step 3. Receive a no obligation quote

After processing your form, you’ll receive a decision within the next 10 mins on the loan. If you’re connected with a third-party lender, you will receive your funds as soon as the next business day with detailed instruction on accessing the loan. Gone are those days when getting a loan was stressful and tedious. So, there’s no need for gnashing of teeth or nail biting or even worrying about your loan outcome.

As soon as you click the submit button, you’ll mostly likely get a reply within minutes as many of our lenders are up to speed with their pay outs and many of them paying out that same day.


Is Payday loan the right option?

If I Have Questions After Receiving My Loan, Who Do I Contact?

As a self-employed or unemployed person, how do I show my proof of income?

Can you secure the loan without credit check?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.



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