Direct lender loans are short term loans provided directly by the lender without the involvement of intermediaries or brokers. This means you apply for and receive the loan directly from the financial institution or lender, which can streamline the application and approval process.
Advantages of Direct-lender Payday Loan
The main advantage of direct lender loans is their simplicity and efficiency. Dealing directly with the lender may result in more precise terms and faster decisions. As a direct lender, we don’t work with third parties, so your information, personal data, and borrowing history is kept private.
Cashback Loans is a reliable payday loan direct lender that can help you pay unexpected expenses, cover monthly bills, and more. Submit your loan application now to get instant approval.
Apply for Direct Lender Loans Online
Make any day a payday with a quick and confidential cash advance from Cashback Loans. You can have cash in your hand in as little as 15 minutes. Want to apply from the comfort of your home? We offer online funding with money transferred right to your account.
Apply Online
Complete our online application. It’s quick, easy, and confidential.
Get Approved
If you are PreQualified, please e-sign your loan documents to proceed with the loan funding process.
Get Cash
Cash Deposited to your Bank Account (Instantly for Qualified Bank Accounts) or a check mailed directly to your home.
Qualifications for Direct Lender Loans
- A valid, open, and active checking account
- A steady source of income
- A government-issued photo ID
- An active phone number
- A valid email address
Direct Lender Loan Amounts & Loan Policies
Cashback Loans is a state-licensed direct lender, which means we adhere to higher compliance standards issued by both the state and federal governments.
We limit our loan amounts to $300, the maximum amount the California legislature allows. We believe in helping you gain access to the money you need without leaving you vulnerable to an endless debt cycle.
We’re also committed to keeping your application information private. To that end, we don’t sell or share your information with any third parties. Your information is safe with us.
Apply For Your Payday Loan Online Today!Direct Lender Loan Amount & Terms
- Select the loan amount from the below dropdown to view an example of rates and terms
- Loan Amount Options: $150, $200, $250, $300
- In this example, the APR on the $300 Loan is 214.83% based on the loan term of 1 monthly payment. The APR will vary depending on the length of the individual loan.
- Advance Amount: (Amount Financed): $300
- Finance Charge: (Cost of Loan): $45.00
- Origination Fee: NA
- Total Cost of Loan: $45.00
- Check Amount: (Total of Payments): $300.00
- Example APR: 460% for a 14 Day Loan Term
- **Annual Percentage Rate: Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 30 days. The APR will increase if the actual loan term is shorter than this example and will decrease if your loan term is longer.
- The minimum loan amount available to California customers is $150
- The maximum loan amount available to California customers is $300
- The maximum loan term is 31 days
Direct Lender Loan Rates & Fee Schedule
- Maximum : 300
- Minimum : 150
- Payment Type : Single Pay
- Term : 1-31 days
- 14 Day APR = 460.16%
Governing Law
The applicable laws of your state will govern the loan agreement. Questions or Complaints should be directed to your state's financial regulatory agency.
License and Disclosures
- License
- Required Postings
- Privacy Policy
Find Direct Lender Loans at Cashback Loans
We provide a straightforward and efficient experience with our direct lender loans. Apply online for a quick decision and direct deposit, or visit us in-store to receive your funds immediately. You can also apply online and pick up your money in person or apply in-store and have the funds deposited directly into your account.
Our streamlined process often approves loans within minutes, ensuring fast access to the cash you need. With years of experience serving the community, we offer a range of loan options, including instant funding loans, fast payday loans, 24-hour payday loans, and more. Get started today—our friendly team is here to assist you online, by phone, or at our convenient locations.
Apply TodayFrequently Asked Questions about Direct Lender Loans
Here are some frequently asked questions to help you understand how online direct lender loans work and how to get approved quickly.
Borrowing from a direct lender means you’re working directly with the company that provides the funds, leading to faster approvals, fewer intermediaries, and more transparent loan terms.
To apply, you’ll need to provide proof of income, a valid ID, and an active checking account. Some lenders may also perform a soft credit check.
Approval is often instant or takes just a few minutes, and funds can be available within one business day, making direct lender loans a quick solution for urgent needs.