Direct Deposit Loans Online (Bad Credit Accepted)

One safety net that an increasing number of people are turning to in 2021 is direct deposit loans.

When you face unforeseen expenses or budgetary oversights it can be especially difficult to get cash into your account in time to solve the problem.

And here's the truth:

If you use our loan request form you can tap into a network of 100+ direct lenders offering this fast and easy form of credit!

What Are Direct Deposit Payday Loans?

direct deposit loans

It is the perfect solution when you need cash quickly, because if you are accepted by a lender the funds will be deposited directly into your bank account in as fast as one business day.

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Sometimes called a payday loan or cash advance, this form of credit comes with a short term commitment, as you will be expected to pay it back in one lump sum around two weeks after it's issued (or just after your next pay check).

Amounts available from lenders in our network usually fall between $100 and $1,000, and as long as you pay the loan back in time you will only be faced with one single finance charge.

Benefits of Using Our Service:

The main and the most important benefit is that our service saves your time.

When you apply online, you will be required to provide details for a basic checking account, which is where the payday loan will be deposited.

If the lender accepts your application and you sign the agreement the deposit process will begin right away, and this usually means you'll receive the funds as soon as on the next business day.

The repayment will also be automatically taken from this account, meaning you won't have to waste time writing a check or manually carrying out the transaction.


The problem with traditional loans from banks and store-front lenders is that the application process takes far too long when your situation is dire.

There's waiting in lines, all sorts of paperwork and approval can take days. By the time you receive the loan it can be too late.

When applying for payday loans online, the majority of the process can be completed from your laptop or other internet connected device, with faxing only required if you don't have access to paperless statements and documents that you can attach to the web form.

If you're in an emergency, don't have access to a credit card and need cash fast, it doesn't get any easier than payday loans with direct deposit!

Who Can Apply and Receive Funds?

Our lenders recognize that everyone deserves access to credit in an emergency and will therefore fairly assess all applications so long as they meet some basic requirements:

  1. Firstly all applicants must be at least 18 years of age, as it is illegal to lend to minors.
  2. They must also be a legal US resident within the state they are applying from.
  3. To ensure their ability to pay back the loan, borrowers must also be able to demonstrate an income of at least $1,000 per month.

That's it! If you can meet these simple terms, your online application will be considered.

Is 24 Hour Deposit Guaranteed?

Is 24 Hour Deposit Guaranteed?

While no lender will guarantee that you will receive your loan instantly in minutes or even within 24 hours, most accepted borrowers will indeed see the cash in their account within one business day.

This means that if you apply and sign the contract during the working week and there are no issues at your bank, the funds are likely to arrive the very next day.

Note: if you submit your information on Friday you probably won't see the funds until at least Monday.

There are also a number of national holidays when the banks do not process transactions (including payday loans), so take this in to account when applying.

Understanding APR and the Loan Cost

APR and the loan cost

APR is the Annual Percentage Rate or the rate of interest you would be charged on your loan if you had taken it out for a year.

This can be confusing as payday loans are only taken out for a couple of weeks, thus the amount you actually pay is roughly the APR divided by the actual term.

In practice, all you need to know is that you will be charged a single fee, which will be provided to you in monetary terms and APR at the time of application.

As long as you make the repayment on time this is all you are required to pay, but should you miss the repayment interest at the APR may continue to be applied for as long as the loan is outstanding (depending on your local laws).

You will not know the exact rates and fees unless you are matched with a lender and your application is approved.

It is then up to you whether you want to accept the offer and move forward with the deposit.

Repaying Your Loan

The date of your repayment is clearly displayed in the payday loan agreement and will be provided to you before you sign the contract by the lender.

Because you have given access to your checking account the repayment will be taken automatically on this date, so be make sure enough funds are there to cover it.

Failure to make the payment may result in fees from your bank account for going overdrawn, and extra interest or finance charges from the lender.

In some cases, you may be able to arrange an extension or renewal, but this is dependent on the individual lender and the regulations of the state you are applying in.



Before seeking out payday loans, it is worth reading over the laws and regulations that govern payday lending in your state, as these can vary and some states do not permit payday loans at all.

Your state will govern aspects such as the total amount you can borrow, how much interest can be charged up front and if you fail to repay, whether the payday loan can be extended or renewed, and how often you can take out such loans.

Fortunately, it is a legal requirement for all lenders to disclose all the terms of the loan prior to you signing the contract, so you will not be faced with any hidden fees or shady loopholes.

It is your responsibility to read and understand these, as ignorance is not an excuse for failing to meet your financial obligations.

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the best solution

Regardless of why you need money fast, a direct deposit loan can be great in emergencies.

The application process is quick and easy, there are only a few basic requirements, and the funds are transferred directly into your designated bank account usually on the next business day.

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If you don't have access to any other forms of credit, payday loan might be the best solution to get you back on track!