Loans- By State


Here is a list of direct lenders for bad credit loans you may qualify for your state. We try to keep this updated however licensing and regulatory changes may change the status of lending ability in your state.Please check with your regulating agency to insure the lender you select is in fact legally entitled to lend in your state.






Payday Lenders




Ace Cash- Personal Loans Available in the following States

Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, Ohio, and Texas.



Cashnet USA- Personal Loans Available in the following States

AK, AL, CA, DE, HI, ID, KS, LA, MD, ME, MO, ND, NM, OH, SC, SD, TX, UT, VA, WY ,KS, MD, OH, TX, VA, WI

Cash Central - CashCentral.com

CashCentral- Personal Loans Available in the following States

AL, AK, CA, DE, HI, ID, KS, LA, MN, MO, MS, NM, NV, ND, RI, SC, SD, TN, TX, UT, WA, WI, WY



Get cash fast and easy from Check Into Cash!Check Into Cash- Personal Loans Available in the following States

Alabama, California, Delaware, Florida, Illinois, Idaho, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming



Check City- Personal Loans Available in the following States

CO, HA, ID, IL, KS, MD, MO, ND, NM, NV, SD, TX, VA, WA, WI, WY, UT.







Netcredit- Apply Now

Installment loans from $1,000- $10,000. Longer payback terms, which means more affordable payments!Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Dakota, Utah, Virginia, Wisconsin, Georgia, North Dakota and South Carolina






Automobile Title/Cash out Loans/Refinance





800loanmart- Get the cash you need now for the equity in your Car, Truck, or SUV! Get a loan for your Automobile Title-



Apply Now!



Available in: California, Arizona, New Mexico, Illinois and Utah











RateGenius- Auto Refinance- Apply today!

Lower Your Car Payment with Auto RefinanceAlabama, Alaska, Arizona, Arkansas, California,Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming






Long Term/Installment/Lower Rate Personal Loans



Netcredit- Apply Now

Installment loans from $1,000- $10,000. Longer payback terms, which means more affordable payments!Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Dakota, Utah, Virginia, Wisconsin, Georgia, North Dakota and South Carolina



Prosper- Peer-To-Peer Lending- Apply Now!


Individuals with money to lend do so through this platform. This makes for a lending situation that cuts out the middle man (the bank). This is an awesome concept and you may benefit from it! Check it out today!

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming






Bussiness/ Working Capital Loans





Kabbage- Bussiness Capital Loans

Working capital loans are intended for business enabling growth in this sometimes harsh business environment. Check with lender for availability in your state.









This list of direct lenders include; payday, personal loan, title loan, cash out car/ truck/ suv loans, installment loan, payday installment loan, peer to peer installment loans, working capital loans, and more. The list above includes states available for each direct lender. If you would like a list of other lenders not specifically licensed that may lend in states no listed click home page and select nation wide loans. You may also click your state below.



Alabama, Alaska, Arizona, Arkansas, California,Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming - often times because these lends are legal, licensed there is no need for faxing, conference calls with the bank, conference calls with your employer, teletrack, teletrak, teletrac and all the hassles from the other guys.Updated Direct Lenders List by State. payday, titile, instalment, and bussiness capital loans Best blog for information- State spcific direct lenders- payday loan, cash loan, personal loan, title loan, bussiness loans installmentpaydayloan.blogspot.com http://directlenderlist.blogspot.com/ http://privatelendersforhighrisk.blogspot.com/ http://ezlegal.blogspot.com/ http://ighriskinstallmentloans.blogspot.com/ http://ultimodejavu.blogspot.com/ http://bestloan-rate.blogspot.com/ http://rencalago.blogspot.com/ http://borrow800dollars.blogspot.com/ http://paydayloannodirectdepositrequired.blogspot.com/ http://firstbankofdelawarepaydayloancash.blogspot.com/ http://90dayinstallmentloan.blogspot.com/ http://onlineprivateloanlenders.blogspot.com/ http://3m3liy.blogspot.com/ http://salariescon.blogspot.com/ http://garderobapannym.blogspot.com/ http://vegasdailyvista.blogspot.com/ http://1firstbankofdelawarecashadvance.blogspot.com/ http://firstbankofdelawarecreditcardpayment.blogspot.com/ http://1firstbankofdelawarethinkcash.blogspot.com/ http://plaingreenloanspaydayloans.blogspot.com/ http://1stusacashadvance.blogspot.com/
Most payday loan companies use teletrack. If you are looking for payday loan companys that do notClick HERE!
Happy searching if you need any help let me know!
paydaymax is on of many companies that does not require most of their applicants to fax copies of bank statements or pay stubs. here is some information from the paydaymax website:

PayDayMax.com is YOUR place for fast payday loans! When an emergency happens, and you need cash quick, you can take comfort in knowing that PayDayMax.com will be there, to provide you with a quick payday loan, so you can get on with your day.

We specialize in fast, low fee payday loans. We accept bad credit, and in most cases will approve your payday loan without you ever having to fax us a thing! Complete an application

online or by phone. We will get your payday loan application approved quickly and the money in your pocket, overnight!

At PayDayMax.com we are dedicated to providing you with friendly, professional service, and some of the best payday loan deals on the internet. Apply for a payday loan with us today, and prepare to be amazed by our level of service!

Get cash in your account as soon as tomorrow!

best way to get a loan

So I have been getting a lot of emails lately about how hard it can be to pass the underwriting of pay day loan officers. Well here are a few tips...

1. You should have a regular income
2. You should have an established checking or savings account
3. You should have contact numbers you can be reached on

Try to be as honest as possible when applying for a payday loan (they check the information out)

Click Here to check them out!

Small Claims

The Small Claims process is very different from state to state. This article is writing about the process in my state Maine. I have many years of experience as a civil proses expert in the state of Maine. I am not an attorney and this is not legal advice it is only a summery of my knowledge of this very vast area.

The Preemptive stage- When it comes to small claims or any legal issue the best thing you can do is preemptive. avoiding non-payment or loss is not always possible, but you can prepare for issues before they arise.  Always get things in writing- A court is usually more likely to believe what you claim if you have it in writing. any agreement you reach should be made in writing. Keep in mind in all transaction that you make, you could end up needing the help of the court. Prepare everything as if you where going to court tomorrow.

The Collection Stage- While Court serves a very important purpose, it should be avoided if possible. try everything in you power to get a hold of the debtor to receive payment. It is important to know what laws and regulations you need to follow in regard to collection practices.

Court Initiation- In the State of Maine, you start small claims by filling out a statement of claim. The process is very different from state to state. Check with your court clerk to find out more information. Provide as much information as possible including dates, names, and specifics about your claim. After completing the statement of claim, have it served by your county's sheriff.  Once served you will need to file your claim with the court and pay any fees.

Court- So you made it, or so you think. My experience in Maine court has been very positive. The judge usually asks the two parties to speak. This is very important because you may find resolution now that the debtor knows you are serious about repayment. If you are unable to reach resolution at this point you may need to have a hearing. At the hearing you will need to present your case to the judge. You should stay respectful and calm at all times, and remember the judge is only interested in facts. Also remember to stay completely honest, You are under oath!

Post Judgment action- ok so you made it this far, you had the hearing and still know payment. In the state of Maine after a plaintiff receives judgment they become judgment creditor. Same thing goes for the defendant, they become judgment debtor. After the judgment is entered the debtor has a period of time to pay the debt in full. usually 30 days. This is usually not what happens however. It is at this point that you may start exploring remedies to collect on the judgment. You may find that the debtor has real property in their name, you may be able to have a lien placed on it! you can find out if the debtor has land through the registry of deeds. If you find the debtor has land or a home check with the court clerk to find out what the process may be.  If the debtor has a job or income it may be an option to have a disclosure hearing.

Disclosure Hearing- after the appeal and repayment period has expired you have the ability to hold a disclosure hearing. A disclosure hearing is a hearing with the sole purpose of ascertaining sources of repayment. Repayment can take many forms as ordered by the judge. You may leave with a disclosure order that causes repayment or you may not. When a debtor has an ample source of income the judge may order them to pay installments

Contempt Hearing- if the judgment debtor is ordered to pay after a disclosure hearing but they do not pay, you can have them served for a contempt hearing!


**** You should remember this article is for information purposes only. I am not an attorney and am not able to give legal advice. This is a  quick and incomplete summary of very limited information that I know from my limited experience in small claims proceedings. If you are representing yourself or planing to do so you should consult a licensed attorney in your jurisdiction! Use if the information within this website is not recommended and is at your own risk****

What is a Charge off

A charge off is a negative entry of a debt. A creditor has to keep track of profits (loans/fees paid) and debts they consider a loss (charge offs)

Don't fall into the trap that many people fall into. Just because a company charges off your debt, does not mean they write you off, no big deal. In fact it is just the opposite. When a debt is charged of you have created a loss for that financial institution.

When your loan is charged of you are at the end of the road with the institution in most cases. This is when the creditor starts exploring options for recovery. Options that are often explored are collection agency's, attorneys, and sometimes in house collectors initiating civil process (court action)

When your loan reaches this stage you should contact the creditor they might have options for you, such as a work out rewrite.

as in all cases sometimes it is best to talk with a qualified attorney to discuss your financial issues!

Avoid becoming a charge off! If you need money to pay today Click Here! You will be connected to an application that not only guarantees approval but allows you to pay back your loan over 12 paydays! try to find that with other loan companies!

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no bank calls pay day loans

What is a payday loan?

Sometimes A Payday loan is necessary. When an unexpected emergency
takes place you may find a payday loan is an fast, easy way to get the money
you need. You should do your research and fully understand the cost, and the
affect the loan is going to have on your life.


What is a payday loan?
A payday loan is a high risk, Short term loan. The loan is usually for the
amount of your paycheck and is usually paid back within the next few pay
days.
Identity theft is a very real problem. Most people that have had their identity stolen have no idea that it has happened. The first thing you should make sure of is nothing has been put on your credit report by the idenity thife. Get a copy of your full credit report-Get your Equifax 3-in-1 Credit Report & FICO Score Now!

Not all ID thieves will use your information to obtain credit. It can also be used to get medical care, and in some cases to commit crimes! Help Protect Yourself From ID Theft. Get help with LifeLock. Enroll Now.

If face trouble with your idenity you should contact an attorney!Looking for a lawyer? Find pre-screened local lawyers at LegalMatch.

Build you Credit Share Secured loans

Share Secured Lending is a tool people may use to build their credit. This is the process by which a financial institution secures a loan with funds you have on deposit. This should be at low rate loan usually around 4%-6% higher then your share. For example if your savings account has a rate of .5% your loan should be written with a rate of 4.5%.

This loan not only will show up on your credit report, It should be reported as a secured loan! This is a great tool for people with no credit to get the ball rolling. One should be careful to ask the right questions when setting up this type of loan. You should always ask:

1. How much will this cost (rate and fees)
2. Will this be reported to all three credit bureaus
3. Is there a prepayment penalty
4. Will this be reported as a secured loan

This is one of many options that may be available to you. You should ask your credit union loan officer what options you may have!

Find a Credit Union

In recent years payday loan companies have surged to a powerhouse in the sub prime lending market. While they may serve their purpose for short term "quick cash" they come at a price. Here are a few differences between your local Credit Union and the Pay Day loan Company.

The Practice                       Credit Union                                        PayDay Loan
Regulation                          Strictly guided by NCUA                     No Federal Regulator!

Price                                  Depends on the state and CU              390%-780% APR
                                         Typically lower then the local bank

Collection                          Follow all legal guidelines                     May or may not follow
                                                                                                      


Underwriting                   Strict Guidelines                                   Limited Underwriting


Click HERE to find a credit union in your area!

Avoid the hassle of paying out your whole paycheck to a payday lender on payday click the link below for an installment loan application!

Get cash in your account as soon as tomorrow! Click this link for a instalment loan application. This means unlike other loans on the net you can pay in twelve easy payments!

Pay Day Loan Scam| National Affidavit Processing Department | Legal Payday Lender

A WARNING FROM PAYDAYMAXHELP:Recently there have been reports of a new scam. These scam artist pray on people who have applied for or received pay day loans.  They are receiving information similar to what a payday loan lender would receive such as; name, social, employer, phone numbers, and references. They will call you at work, on your cell phone, call your references and leave very threatening messages. They impersonate law enforcement officers, collectors, and attorneys. This group is very recognizable because they speak with very heavy middle eastern accents. They go by many different names like: National Computer Crimes Unit, Federal Investigation Department, but usually they call themselves National Affidavit Processing Department. They say you are being investigated for internet (financial) fraud for failing to pay back a pay day loan. They get very angry with you if you ask them for there address and who specifically they are collecting for. Please be very careful do not send money to people unless you know for sure who they are, what the debt is you are paying, what the mailing address is of the collection agency. You should also know that you should in no way be threatened by a collector. I also must mention if you deal only with a credible lender when obtaining a loan you would avoid this situation all together. Avoid websites that send your information to many other companies you never know who they might be sending your social to, or what they might do with it!

Don't deal with companies that give your information to criminals like these guys... if you are considering a payday loan CLICK HERE To deal directly with the safest legal payday loan company on the internet!

Long Term Installment Loans

Many consumers have emailed asking me about "long term" payday loans. This type of loan can be beneficial to most people, however you should be careful and understand what you are getting into.

A typical payday loan will deposit money into your account, and approve most bad credit applicants. They then however give you a few weeks and take the full amount of the loan which usually equals your whole paycheck or most of it. The difference between a payday loan and an installment payday loan alternative is the pay back period. An installment loan will such as the company listed here will give you a much grater amount of time to pay back the loan. 

This type of loan may help you if you are stuck in the payday loan trap. It can be more costly but it is easier for some consumers to get out of the cycle if they can take their time!