Rates and Fees: How much will it cost?

Lender Direct is a lending network, NOT a lender and does not provide lending services directly to consumers. Our service is completely free and all repayment terms are between you and the lender. Based on the application you submit, LenderDirect attempts to pair you with the lender and loan ideally suited to your needs. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.

After submitting your information, if you are suggested a lender, Lender Direct will redirect you to the lender's website where you will be able to review the terms and conditions of the loan including but not limited to rates, fees, APR, loan amount and payment schedule. Please review the fee and rate information provided to you by your lender at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept the terms and conditions of any loan approval document presented to you by the lender upon the completion of your online loan application.

Loan fees and interest rates vary for each applicant and are determined solely by your lender. The lender you are suggested will provide complete rate and fee disclosure. You will never be charged any fees by Lender Direct. Viewing the results of your search for prospective lenders is free of cost.

In many cases, the lender will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. Please make sure that you respond in a timely manner to ensure that funds are deposited as quickly as possible.

For more information please see the HOW IT WORKS section below:

Click here to read our full Terms of Use.

Here's how it works:

Lender Direct

1. Complete your simple and secure online application at LenderDirect in minutes.

2. If Approved, We will suggest a participating lender based on the information you provide and lender requirements.


3. LenderDirect will redirect to the lender's website where you will be able to review and agree to the terms and conditions of the loan. You are under no obligation to accept the terms of the loan and fees do apply if you decide to accept the terms of the loan agreement. If you are comfortable with the amount you are approved for and agree to the terms of the loan you may accept the terms and submit the contract to receive your cash advance.

*Residents of Arkansas, Georgia, New York, and West Virginia are not eligible to apply for a cash advance on this website. The Operator of this website is not a lender and does not make cash advances, credit decisions or broker loans to lenders. This site will suggest a cash advance lender based on your application. The operator of this website is not an agent, representative or broker of any service provider or lender and does not endorse or charge you for any service or product. You are under no obligation to use this website's service to initiate contact or apply for credit with any of our service providers. The states that this website services may change from time to time and without notice to you. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. Short-term loans are not a long-term financial solution. **Faxing is not required in order to submit an application for credit on this website however in some circumstances faxing may be required for a lender to fully complete and approve an application for credit. This website does not guarantee that completing an application form will result in you being suggested a service provider or lender. ***Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus; Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders in some circumstances. *Approval time is usually 1 hour or less however this does vary by lender and also depends on their ability to contact you.