Direct Lender Installment Loans
With a direct lender, the company that approves you is the company you repay — one contract, one servicer, one payment schedule. Matching networks (including this site) simply introduce you to several direct lenders so you can compare. Wherever you sign, the protections come from your state's lending laws, not from the website you started on.
- One contract from application to payoff
- Compare several direct-lender offers side by side
- Every offer bound by your state's rate caps
Get Your Cash Match
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State guides
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- Idaho
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- Iowa
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- Maine
- Michigan
Direct Lender Installment Loans: FAQ
How do I check an installment lender is licensed?
Ask for a license number and look it up in your state regulator's database — each state page on this site links to the right regulator.
Are tribal installment lenders direct lenders?
Tribal lenders lend under their own tribal law and are direct lenders, but they are typically not licensed in your state and not bound by its rate caps. Read the loan agreement's governing-law clause carefully.
What APRs do direct online lenders charge?
Anywhere from ~36% to 200%+ APR depending on state limits and your profile. Offers within one application can differ widely, so compare before accepting.
Can a direct lender report me to credit bureaus?
Many do — both good and bad payment history. If credit-building matters, confirm the lender reports to Equifax, Experian, and TransUnion.
Ready to check offers?
One short form, several licensed lenders, and the legal cost of your state shown before you commit to anything.
Check My Eligibility →Installment Loan Payment Calculator
Estimated monthly payment on a fixed installment schedule. Tribal lenders price freely — this shows what lender-set APRs really cost per month.
Get Direct Lender Installment Loans with All City Payday Loan
Every figure on this page is the legal ceiling computed from state law — the most a licensed lender may charge you. All City Payday Loan matches you with licensed lenders and shows the cost before you commit.
Start with All City Payday Loans →Disclosure. All City Payday Loan is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.