An installment loan typically lets you borrow a larger amount of money that you pay back over time. You make regular payments (or "installments") until the loan is paid off. These loans give you more time to repay the money, which makes your payments easier to manage. Installment loans work well when you need to pay for something big and want a payment plan that fits your budget.

You can have one installment loan at a time. This rule helps make sure you don't borrow more than you can pay back. After you pay off your loan completely, you can apply for a new one if you need it. If you use a debit card that we accept to make your final payment, you might be able to get money from your next loan on the same day.

Getting an installment loan is easy. To check if you qualify, you'll need:

-Your personal information
-Your bank account details
-How much money you earn
-If you're applying with an Installment Loan with payroll payments, you'll need your login credentials for your employer payroll account.
Our simple process makes it easy for you to apply. Credit decisions are typically made within 30 seconds. Click here to apply now.

Your payment due dates will match your payday schedule. Your loan agreement will show exactly when each payment is due and how much you need to pay. This helps you plan ahead and manage your money better while you pay back your loan.

In CA, Payday Loans.
In TX, Installment Loans. We help connect customers with direct lenders who can give them safe and secure Installment loans. Cash Loans Direct is licensed in the State of Texas as a Credit Access Business (CAB).

Both help you get money quickly when you need it. We can help you pick the right loan for your needs. You can apply online, and we'll put the money straight into your bank account. You don't need to visit a store.
Our team is here to help you through each step. We want to make sure you choose the loan that works best for your money needs, both now and in the future.

No, you don't need to talk to anyone (unless you want to)! You can do everything online from start to finish.
If you have questions or need help, you can always call us at 800-777-1567.

Our team is here to help you navigate the process to make an informed decision. We can guide you through each step and help you choose the right loan for your money needs, both now and in the future.
We can help, whether it's a payday loan in California or an installment loan in Texas. Just contact us, and we'll be happy to assist you!

Right now:

In CA, Payday Loans.
In TX, Insallment Loans. We help connect customers with direct lenders who can give them safe and secure Installment loans. Cash Loans Direct is licensed in the State of Texas as a Credit Access Business (CAB).

We plan to add more states and products soon! Check our website later to see if we can help get you the cash you need in your state.

To apply for a loan, you'll need:

Personal information:

Your name
Your email
Your social security number
Your date of birth
-If you're applying with an Installment Loan with payroll payments, you'll need your login credentials for your employer payroll account.

Money information:

How much you earn
Your bank account details

To learn more about what you need for a payday loan or installment loan, visit our pages about each type of loan on our website.

A payday loan is a small, short-term loan that helps you get cash quickly when you need it right away. You don't need to provide anything of value (like a car) to get this loan.
You can use a payday loan for things like:

-Paying bills
-Handling emergencies
-Other quick money needs

Remember, payday loans are only meant to help for a short time. They should not be used for long-term money needs.

Yes, you can still get a payday loan even if you have bad credit.
Cash Loans Direct cares more about whether you can pay back the loan on your next payday than about your credit history. Since you'll be paying back the loan soon after you get it, your past credit problems aren't as important to us.

Your payday loan will be due on your next payday, within 31 days.
To make sure you never miss a payment, you can set your loan payment to be automatically withdrawn on your due date from either your Debit Card or Checking Account.

This is a loan where you get your money upfront and repay it through regular deductions from your paycheck. Your payment is automatically taken out before you receive your pay, so you don't have to remember to make payments. The loan has a set payment amount, fixed interest rate, and a clear end date. These loans are only available to eligible Texas residents who work for participating employers.

This loan differs from other options in a few key ways. Unlike payday loans with shorter terms, our Installment Loans give you more time to repay. Unlike regular loans where you must remember to manually make your payments, this one sends your loan payments straight from your paycheck. And unlike credit cards where payments can change each month, our loan has the same payment amount every time, making it easier to budget.

Only employers who participate in our program and allow for their employees to participate are eligible. Want to know if you're eligible? Our application, securely checks to see if your employer participates and if you're eligible for an Installment Loan with Payroll Deduction. You'll need your login credentials for your online payroll account to confirm.

Getting a loan with payroll deduction is simple. Just follow these steps: 1. Locate and login to your payroll provider on our easy-to-use website and sign-in to see if they participate in our program. 2. Submit Your Application. 3. Receive a Fast Decision 4. Review and Sign your Loan Agreement 5. Set Up Payroll Deductions to be withdrawn from your paycheck. 6. Get Your Money! Once automatic payments have been set-up, we'll deposit your funds directly to your checking account within 1-2 business days.

If approved, the exact amount you will be approved for depends on your income and other factors. We'll determine your specific limit during the application process based on your situation and ability to repay. Installment Loans with Payroll Deduction typically have lower APRs when compared side by side to our Installment Loan without Payroll Deduction.

Payroll Deduction connects directly to most employer's payroll systems. After you review and sign your Loan Agreement, you'll then sign an online direct deposit form allowing your employer to send your loan payment amount each payday to pay down your loan. These payments work like other deductions from your paycheck, such as health insurance or 401(k) contributions. Your pay stub will show the deduction amount, so you can track your loan payments with each paycheck. During your loan setup, you may also elect to provide backup payment methods (debit card or bank account) in case there's ever a problem with the payroll deduction.

Choosing payroll deduction for your loan payments has many benefits: No missed or late payments. Fewer bills to track and manage each month. Lower APRs than our Installment Loan without Payroll Deduction. Payments continue even when you're away. Your loan payments lines up with your payday. This "out of sight, out of mind" approach helps you stay on track while reducing the stress of managing payment due dates.

If you change employers while still paying off your loan, contact our customer service team right away. We'll switch you to one of your backup payment methods (debit card or bank account) that you provided when you applied. If your new employer participates in our program, we might even be able to set up payroll deduction again! There's no penalty for changing your payment method due to a job change, as long as you keep making your payments on time.

Yes, you can pay off your loan early with no penalties. Making extra payments or paying off your loan before the end date can save you money on interest. To make extra payments beyond your regular payroll deductions, you can use your online account, call us at 1-800-330-0718, or mail a check to [Ryan to provide payment address]. IMPORTANT: You must stop payroll deductions when your loan is paid in full. Your payroll system will not automatically stop sending payments to Cash Loans Direct, and it's important you end the automatic payments. We'll send you reminders both as you get close, and after your final payment to help you remember this important step.

If you can't make your payment, don't worry. Call Cash Loans Direct right away at 800-330-0718. We want to help you.

When your loan is fully paid, you must take action to stop the Payroll Deductions. Unlike other payment methods, payroll deductions don't automatically stop when your balance reaches zero. Cash Loans Direct will guide you through the process to stop your payments when it's time. To help you remember to stop your payments, we'll send you reminders both as you approach your final payment and after your loan is paid in full.

We get it, life get's busy sometimes. Cash Loans Direct actively reminds customers when it's time to stop your payments, but if you forget to stop them after your loan is paid in full, payments will continue to come out of your paycheck. If this happens, please contact our Customer Service Team right away! We're here to help!

If you filled out a form on a loan comparison website, also known as a "Lead Generator," you may notice some of your details are already in our application. If you gave the website permission to share your information, these websites partner with lenders like us to help you find loan options.

We take your privacy seriously. All your personal and financial information is protected with strong security measures. We even limit who can see your information within our company. We follow all privacy laws.

Yes, you can limit some types of information sharing. While we need to share certain details to handle your loan, you can choose not to have your information shared for marketing. You can check our Privacy Policy to see what information we collect, how we use it, and your options. To limit sharing, contact our Customer Service team.

If we don't approve your loan, we keep your information for a limited time as required by law. After this time, we safely delete your information or remove your name from it. We don't use information from declined applications for marketing unless you give us permission.

Your Funding Account is where your loan money goes. It's the account that receives the funds when your loan is approved. Think of it as the "money in" account. Your Payment Account is the account we'll withdraw money from for your loan payments. Think of it as the "money out" account.