Same Day Funding is NOW AVAILABLE!

Direct Lender Installment Loans for Bad Credit

Online Installment Loans Made Simple!



Get Cash Now

Applying Does NOT Affect Your Credit Score

Quick online loan processing

Get money straight into your bank account.

No hard credit check*

Initial eligibility uses alternative data.*

No collateral

Your valuable assets are safe with you.

What are Direct Lender Installment Loans?

A direct lender installment loan is an unsecured personal loan that you repay in scheduled installments, instead of one large lump-sum payment. When you work with a direct lender like CashAmericaToday, you apply on our secure site, we review your information, and if approved we fund the loan ourselves – there is no broker and no third-party lender in the middle.

  • Borrow from one company: Your application, approval, funding, and repayments all go through CashAmericaToday.
  • Predictable payments: You repay your loan in fixed installments, usually on your payday, until the balance is cleared.
  • No collateral: Our installment loans are unsecured – your car and other valuables stay with you.
direct lender installment loans

Direct Lender vs Loan Broker – Why It Matters

Many websites that appear for “no credit check loans guaranteed approval direct lender” are actually brokers or marketplaces. They collect your details and pass them to multiple lenders you may not know. CashAmericaToday operates as a direct lender instead.

  • No third-party matching: We are not a lead seller. Your application goes directly to us.
  • No extra broker fees: Working with a direct lender can help you avoid extra charges from middle-men.
  • One clear contract: Your rate, fees, and repayment schedule are all disclosed before you sign your agreement with us.
  • Dedicated support: Have questions about your loan? You contact our own customer support team, not an intermediary.

Do You Offer Guaranteed or No-Denial Installment Loans?

We often see people search for terms like “guaranteed installment loans for bad credit direct lenders only” or “no denial installment loans direct lenders only”. We understand why – if you’ve been declined before, you want a lender who will say yes.

However, no responsible lender can honestly guarantee approval for every applicant, and neither can we. CashAmericaToday does not advertise guaranteed or no-denial installment loans. Approval always depends on:

  • Your income and ability to repay
  • Your bank activity and overall credit profile
  • State-specific laws and our underwriting standards

What we do offer is flexible, income-based decisions and high approval rates for eligible applicants*. Many customers with credit challenges are approved – but approval and loan amount are never guaranteed.

How Our Direct Lender Installment Loans Work

  • Apply online in minutes:

    Complete our secure online application with your basic personal, income, and bank details. There is no hard credit check to check initial eligibility*.

  • Get a fast, income-based decision.*

    We review your income, bank activity, and other information instead of relying only on a traditional hard credit score. Additional verification may be required.

  • Review and e-sign your agreement.

    If you’re approved, you’ll see your APR, installment schedule, and total cost before you choose whether to sign.

  • Receive direct deposit.

    Funds are sent straight to your checking account. If you sign before your bank’s cut-off time, money can arrive as soon as the same or next business day.*

  • Repay in installments – or early.

    Make your scheduled payments until the loan is paid off. You can repay early at any time with no prepayment penalties, which can reduce your total interest.

Who Can Qualify for a Direct Lender Installment Loan?

Customers often look for “direct lenders for bad credit no third party” because they’ve had issues with traditional banks. While we can’t approve everyone, we regularly work with borrowers who have less-than-perfect credit.

To be considered for a loan, you should:

  • Be at least 18 years old and a U.S. citizen or permanent resident
  • Have a steady source of income (job, benefits, or other verifiable income)
  • Have an active checking account in your name
  • Provide a working phone number and email address
  • Live in a state where CashAmericaToday currently offers installment loans

Meeting these criteria doesn’t guarantee approval, but it helps us review your application quickly and fairly.

Instant Money loans

Rates, Terms, and State Availability

CashAmericaToday offers unsecured installment loans up to $1,000 in selected U.S. states. Typical repayment terms range from 3 to 24 months, with APRs starting from 35.99%. Your actual APR, term, and payment schedule depend on state law, your application details, and our underwriting.

For full information, please review our Rates and Disclosure pages, and visit Installment Loans by State to see whether loans are available where you live and what terms apply.

Loans are not available in all states and are currently not offered in Illinois.

Why Choose CashAmericaToday as Your Direct Lender?

  • Licensed direct lender: CashAmericaToday is registered with the Utah Department of Financial Institutions.
  • More than a decade of online lending experience and thousands of customers served.
  • No hard credit check to check initial eligibility* – we look at more than just a traditional credit score.
  • No collateral and no prepayment penalties – repay early whenever you’re ready.
  • Transparent terms – you know your rate, fees, and due dates before you sign.
  • Secure website with 256-bit TLS encryption and strict privacy practices.

Whether you’re dealing with an urgent bill or simply want a more predictable way to repay, our direct lender installment loans are designed to be simple, transparent, and focused on your ability to repay – not just your credit score.

Direct Lender Installment Loans – Frequently Asked Questions

Do you offer guaranteed approval or no-denial installment loans?
No. We do not offer guaranteed or no-denial installment loans. Every application is evaluated under our underwriting criteria and state rules. Many customers with credit challenges are approved, but approval and loan amount are never guaranteed.

Will applying involve a hard credit check?
We do not perform a hard credit check to check initial eligibility. We may use alternative data and third-party sources to review your creditworthiness and may request additional verification before final approval.

Can I get a direct lender installment loan with bad credit?
Yes, it’s possible. Credit issues don’t automatically mean a denial. We look at your income, bank activity, and ability to repay in addition to your credit profile. However, we cannot approve every application.

Can I use a direct lender installment loan for any purpose?
Most customers use installment loans for short-term needs like emergency bills, car repairs, or unexpected expenses. While funds are generally flexible, we encourage you to avoid using this type of credit for long-term or discretionary spending, because it may be more expensive than other forms of financing.

Can I have more than one installment loan with CashAmericaToday at the same time?
In most cases, customers may have only one active installment loan with CashAmericaToday at a time. If you already have a loan, you will usually need to pay it off before you can be considered for a new one. Any exceptions depend on state law and our underwriting rules.

What loan amounts and terms are available?
Most approved customers borrow between $100 and $1,000, with repayment terms typically ranging from 3 to 24 months. Actual amounts and terms depend on your state, income, and other eligibility factors.

Join Our 1,050,000+ Customers Who Get Money Right When They Need!

Feedback That Fuels Our Growth

3.6 / 5
★★★★★

Reviews are the independent opinions of our users, and we do not hold any of them to be representative of all CashAmericaToday borrowers' experience.

A trusted single lending source for your cash crunch. Apply now!
Get Started

Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Illinois. Please be aware that this service may not be available in all states. Loans are not offered in the State of Illinois. Any application submitted by an Illinois resident will be deemed null and void, will not be accepted or approved, and shall create no lender–borrower relationship, duties, or obligations of any kind. No offer, solicitation, or agreement to provide credit is made or intended to any person in Illinois, and any attempted application is void where prohibited by law.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day, usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday- Friday: 7:00 AM to 4:30 PM (CST) or email to support@cashamericatoday.com.

Representative Example: A loan of $100 repaid over 3 months at an APR of 35.99% would have 3 monthly payments of $35.35, for a total of payments of $106.05. Your loan amount, APR, and term may vary by state, lender or lending partner, and your creditworthiness. Payment amounts may vary by a few cents due to rounding.

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday Footnotes: * Approval isn't guaranteed. Eligibility, APR, and terms vary by state, lender or lending partner, and creditworthiness. Funding timelines depend on bank cut-off times. No hard credit check to check eligibility; additional verification may be required. No prepayment penalties.