error This company may not service all states.

Credit Direct is a direct lender, but also provides personal loans through an online partner network, providing consumers with greater flexibility and more loan options. The company is not a payday loan or emergency loan lender, but offers unsecured personal loans for any occasion. Loan amounts funded by Credit Direct range from $1,000 to $40,000. 

Designed to get you from application to funding within 24 hours, Credit Direct has a straight forward approach to lending. The company's application process takes minutes to complete and won't affect your credit score. You select the amount you need, submit your application, review your loan options, and sign. This process should have no impact on your credit score.

Credit Direct's rates and terms are clearly presented so you can make the best decision. Plus, if you have any questions, its representatives are there to help.

Credit Direct offers loans to 15 states: Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Maryland, Michigan, Missouri, North Carolina, Oklahoma, Pennsylvania, Texas, and Virginia. Read Credit Direct reviews below to see what customers have to say about this personal loan provider.

Continue reading for pros and cons, and Credit Direct loans reviews from real customers.

The Good

  • 24-Hour Approval and Fund Transfer
  • Wide Range of Loan Amounts
  • Simple Application Process
  • Sign With a Cosigner
  • Wide Range of Credit Scores Accepted
  • No Loan Limitations
  • 24-Hour Contact Guarantee

24-Hour Approval and Fund Transfer

If everything goes smoothly with your loan application, Credit Direct can approve your loan and transfer funds into your bank account within 24 hours of submission - although it typically takes between 48 and 72 hours. This makes it quick and easy to receive funds and can be especially useful for potential borrowers who need the money as soon as possible. 

Wide Range of Loan Amounts

Credit Direct offers unsecured personal loan amounts ranging from $5,000 to $40,000. But, for personal loans funded directly by Credit Credit, amounts range from $1,000 to $40,000. This allows consumers to choose the best option for their financial situation. The loan amount you qualify for may vary based on your credit score, credit report, and income.

Simple Application Process

Credit Direct's loan application process is quick and simple. On its website, Credit Direct states that the application will only take a few minutes to complete and you will immediately be pre-qualified if you're eligible.

Sign With a Cosigner

If you have bad credit, you can take out a joint loan and sign with a cosigner, which can increase your chances of approval and help you get the lowest interest rate and best loan term. It is important to note that Credit Direct does not require a cosigner to take out a personal loan, but it can be a helpful option for some borrowers.

Wide Range of Credit Scores Accepted

Credit Direct has helped consumers of a wide range of credit backgrounds get a personal loan, and the company does look at more than just your credit score to determine eligibility for a loan. Credit Direct does not disclose exactly what other factors they look at, but proving your ability to pay back a loan improves your chance of approval; this suggests that it will look at your income. 

To see if you will be approved for a Credit Direct loan, you can fill out an application and check your eligibility with no impact to your credit score.

No Loan Limitations

With Credit Direct, you can use your personal loan money to fund whatever you'd like. Unlike some other lenders, Credit Direct doesn't limit you to certain expenses. Whether you're looking to consolidate credit card debt, fund a home improvement project, pay for a wedding or any other major expense, Credit Direct will give you the means to do so, no questions asked.

It is important to note that Credit Direct's debt consolidation services cover any type of unsecured debt, including medical bills, credit cards, and student loans - borrowers have the option to consolidate both a federal student loan and a private student loan, depending on what type of debt the borrower has.

24-Hour Contact Guarantee

Although 24/7 customer service is not available, Credit Direct guarantees customers it will respond to any inquiry within 24 hours. No matter if the inquiry is by phone, email, or through an online form, Credit Direct guarantees a 24-hour response. 

The Bad

  • Lack of Online Information
  • State Availability

Lack of Online Information

Unfortunately, Credit Direct's website is missing specific details for quite a few things. For example, the website does not list exact credit score requirements, APR ranges, etc. It is also unlcear if Credit Direct charges an origination fee or transaction fee. This information would vary by lender in Credit Direct's network.

You will most likely have to get in touch with a Credit Direct customer service representative to obtain all details regarding rates and fees. This could make it difficult for potential borrowers to easily and quickly compare Credit Direct to other lenders.

State Availability

Credit Direct is only available in 15 states: Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Maryland, Michigan, Missouri, North Carolina, Oklahoma, Pennsylvania, Texas, and Virginia. If you are currently residing in any other state other than the ones listed, you will not be eligible for a Credit Direct loan. 

View Best Personal Loan Companies

The Bottom Line

Credit Direct offers its fixed-rate loans to 15 states within the U.S. The company's online loan application takes minutes to complete and will immediately tell you if you are pre-qualified. You can receive loan funds in your bank account as soon as the next business day, and loan amounts range from $1,000 to $40,000, although this will depend on whether you choose to fund your loan throught Credit Direct directly, or one of the lenders in its network. There are no limitations to your loan funds, meaning you can spend your personal loan money on whatever you'd like. 

However, other details such as APR ranges, credit score limits, income requirements, and loan term lengths were not listed on Credit Direct's website, so you will have to contact the company to uncover this information. 

With limited reviews, it's difficult to know if Credit Direct has quality customer service and is worth doing business with. We suggest looking into other top-rated companies in the lending industry before making your purchasing decision. 

View Best Personal Loan Companies

User Reviews

Star Rating

5.0
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43 Reviews

Review Breakdown

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Michael Curtis

February 16th, 2021 Jackson, MS

Professional understanding and very easy to deal with.

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Reply from Credit Direct

Feb 18, 2021

Thank you so much for your positive feedback!

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Van inn

February 4th, 2021 Los Angeles, CA DETAILS arrow_drop_down
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They are nice and friendly and guide you all the way until you get the fund.

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Reply from Credit Direct

Feb 04, 2021

We are so glad that our agents took great care of you!

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ARNULFO ACOSTA

February 4th, 2021 ,

Matthew was extremely helpful. I had certain questions and he patiently answered all my concerns. I truly appreciate his help in this matter.

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Reply from Credit Direct

Feb 04, 2021

Thank you so much for your feedback!

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John Gerstner

February 3rd, 2021 St Louis, MO

My representative was helpful and answered my questions. He also followed up with a phone call two days later, as promised.

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Reply from Credit Direct

Feb 04, 2021

Thank you so much for the 5 star review!

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Kevin Briles

February 3rd, 2021 Lewisville, TX

Easy process and great follow up. Doug did more than just process an application. He made sure to follow through and make sure I was taken care of.

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Reply from Credit Direct

Feb 04, 2021

Thank you so much! We will be sure to pass this on to Doug!

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Marcus Farrow

February 2nd, 2021 Cape Girardeau, MO

Jacob went to work for me and got me offers and the process was very straightforward and seamless.. Great employee that strives to help his customers.

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Reply from Credit Direct

Feb 03, 2021

Thank you so much!

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Samtham

February 2nd, 2021 Elk Grove, CA

It was awesome. Super easy to follow, not complicated. Extremely useful having someone walk me through it. Appreciate it so much.

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Reply from Credit Direct

Feb 03, 2021

We appreciate the 5 star review!

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Joseph columbo

February 2nd, 2021 Columbia, MD DETAILS arrow_drop_down
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I received my loan as requested. Marco was very helpful in this process. Thank you.

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Reply from Credit Direct

Feb 03, 2021

We are so happy to hear Marco was able to assist you!

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Michelle Poku

February 2nd, 2021 Fort Worth, TX

Matthew was very helpful and made the application process quick and easy.

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Reply from Credit Direct

Feb 03, 2021

Thank you so much! We will be sure to pass this on to Matthew!

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Delia Vanegas

February 1st, 2021 ,

Good intrest very polite and good service

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Reply from Credit Direct

Feb 03, 2021

Thank you so much!

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Jennifer Garza

February 1st, 2021 Marianna, AR DETAILS arrow_drop_down
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I appreciate Ryan being so helpful with this loan. The overall experience was quick and easy. I look forward to working with them in the near future.

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Reply from Credit Direct

Feb 03, 2021

We are so glad to hear Ryan took great care of you! Thank you!

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Christopher Lee

January 29th, 2021 Lakeland, FL

Doug B- Senior Loan Specialist was very helpful in providing options and following up .

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Reply from Credit Direct

Feb 01, 2021

We are so happy to hear that Doug was able to help you!

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Taneca

January 28th, 2021 Attica, MI DETAILS arrow_drop_down
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Applying for my loan and getting the funds was quick, easy and hassle free. Matt G was very nice he even reached out afterwards to make sure everything went well. I would recommend them any day.

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Reply from Credit Direct

Jan 29, 2021

Thank you so much! We will be sure to pass this on to Matt!

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Mable Arthur

January 28th, 2021 Baltimore, MD

I was very thankful for the help I received. My agent Joe G was a big help. Very kind and understanding it was a pleasure talking with him. Patient and understanding. Thank you very much.

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Reply from Credit Direct

Jan 29, 2021

We are so glad that Joe was able to assist you!

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Shari J

January 28th, 2021 Fallbrook, CA

Tyler P’s follow up and concern was exceptional. Well above my expectations. I would highly recommend Credit Direct.

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Reply from Credit Direct

Jan 29, 2021

Tyler definitely is an asset to our company, thank you!

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Jacqueline Feenster

January 27th, 2021 Randallstown, MD

Kyle L provided excellent customer. He was prompt and always followed up. The overall process was quick on easy.

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Reply from Credit Direct

Jan 29, 2021

Thank you for the positive feedback on Kyle!

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T M West

January 26th, 2021 Scottsdale, AZ

Works very hard to try and get you what you need

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Reply from Credit Direct

Jan 29, 2021

Thank you so much!

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Robert Lowery

January 26th, 2021 Spring Hill, FL

Perfect Miah was wonderful and is a valuable member and a credit to credit direct

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Reply from Credit Direct

Jan 27, 2021

Thank you so much! We will be sure to pass this on to Miah!

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Christina Baker

January 26th, 2021 Hagerstown, MD DETAILS arrow_drop_down
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Great Company to work with and I recommend them to others.

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Reply from Credit Direct

Jan 27, 2021

Thank you!

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Mikeuscg30

January 26th, 2021 ,

Loan consultant worked diligently in setting up loan

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Reply from Credit Direct

Jan 27, 2021

Thank you so much!

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Juanita Neasbitt

January 26th, 2021 ,

Ryan S Loan officer has working with me from the first call he was so positive and so welcoming like he loves what he does, and that is to change lives! You could just feel it in his attitude. I was a successful GM and I loved what I did and every Friday I mentor my employees to appreciate the fact that we have the opportunity to change lives, our property was #1 out of 1400 in U.S. Ryan has that gift he loves people, and he loves helping them! He is an asset to your company. Thank you for giving me the opportunity to share my experience with Ryan S. with you! Juanita Neasbitt

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Reply from Credit Direct

Jan 27, 2021

We are so happy Ryan took such great care of you!

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L Conner

January 7th, 2021 Orlando, FL

Extremely easy and efficient process. My contact, Damon, was very responsive and helpful.

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Reply from Credit Direct

Jan 08, 2021

We are so pleased Damon was able to provide great customer service!

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George

January 7th, 2021 Union City, CA

Very helpful and resourceful, but if your credit is fine and current then don’t opt for a resolution plan or settlement plan. They have access to credit/loan companies.

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Reply from Credit Direct

Jan 08, 2021

Thank you for the feedback!

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ATSusa

January 4th, 2021 Fort Worth, TX DETAILS arrow_drop_down
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Wow, i cant say enough good things about Credit Direct, specifically Damon. He answers all the time and is very helpful!

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Reply from Credit Direct

Jan 05, 2021

So happy Damon provided great service to you!

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Maggie Harris

December 28th, 2020 ,

They were able to get me connected with affiliate companies who approved me. Thanks for all of your assistance. Tyler by the way was very professional and friendly. I appreciate all that you do to help people in need. Thanks again! Maggie

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Reply from Credit Direct

Dec 31, 2020

We are so happy Tyler was able to assist you!

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Clyde Gatewood

December 18th, 2020 Los Angeles, CA

Great job nice work they help u fast love it

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Reply from Credit Direct

Dec 31, 2020

So glad that you received great service!

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Tee Pendleton

December 17th, 2020 Alexandria, VA

Mike K was absolutely amazing with being attentive, formative and helpful with sending me in the right direction for applying for the best personal loan for me.

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Reply from Credit Direct

Dec 31, 2020

Thank you much for the positive feedback on Mike!

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Kabro63

December 16th, 2020 Danville, VA DETAILS arrow_drop_down
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Very helpful loan officer Mike thanks again!

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Reply from Credit Direct

Dec 31, 2020

We are so happy that Mike was helpful! Thank you!

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Paul Yurkovac

December 10th, 2020 Petersburg, VA DETAILS arrow_drop_down
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Ryan S. was helpful, great to work with, and provided a quick funding solution. Thanks!

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Reply from Credit Direct

Dec 31, 2020

Ryan does a great job at helping his clients! Thank you!

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Julie A Correa

December 2nd, 2020 Edinburg, TX

It was a great and easy process and very helpful. Jacob L was very helpful and patient and the communication was excellent.

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Reply from Credit Direct

Dec 08, 2020

Thank you so much for the positive feedback!

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April Robinson

November 25th, 2020 Leesburg, VA

Ryan S was excellent!  He was wonderful he provide more than I expected.  I appreciate his critical thinking and taking the  time to explain credit and loans to me.  He was very detail and upfront with me.  He answered all my questions and made me feel comfortable.  He made the process of this loan easy.  He is a great communicator.  He keep in touch with me though the process. He knows his job and I believe he truly enjoy helping people.  Thank you Ryan!

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Reply from Credit Direct

Dec 08, 2020

We are so glad Ryan was able to assist you!

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Maria Borger

November 18th, 2020 Canyon Country, CA DETAILS arrow_drop_down
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It was fast and easy! Mike K my loan consultant was amazing! He was attentive, responsive and professional!

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Reply from Credit Direct

Dec 08, 2020

We will make sure to pass this on to Mike, thank you!

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Arturo Pina

November 13th, 2020 La Verne, CA

Excellent! Extremely responsive and helpful!

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Reply from Credit Direct

Nov 16, 2020

Thank you so much!

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Rachel

November 11th, 2020 Lehigh Acres, FL

Ryan was amazing to work with! He was helpful, friendly and knowledgeable

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Reply from Credit Direct

Nov 16, 2020

We really appreciate the positive feedback on Ryan!

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Anaceci

November 10th, 2020 Santa Barbara, CA

Ryan S is an excellent communicator because he kept me informed of every detail of the process with a friendly and professional treatment. Excellent customer service. Thank you!!!

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Reply from Credit Direct

Nov 16, 2020

We are so glad Ryan was able to help you!

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Jose Saenz

November 6th, 2020 Union City, CA

I'm so happy that they help me out to start over with the help of loan officer name Ryan S went through until I gotten the funds. Thanks to Credit direct.

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Reply from Credit Direct

Nov 16, 2020

We are happy to hear Ryan took great care of you!

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VC Works

October 27th, 2020 Miami, FL

The process was quick and effortless. Everything was set up with in a few hrs and pay out was done within 24 to 48 hrs.

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Reply from Credit Direct

Dec 08, 2020

We are glad that we were able to assist you quickly!

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Neal

July 13th, 2019 Lanham, MD DETAILS arrow_drop_down
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Mike K was awesome to work with! He was with me throughout the process and was extremely responsive on follow ups. Can't get any better than that these days. The loan was approve and funded the same day. Never seen that before! Thanks Credit Direct!

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Reply from Credit Direct

Nov 16, 2020

Thank you for the positive feedback on Mike!

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Kim Tremelling

July 5th, 2019 San Diego, CA

Mike K was amazing. Gave me great options and his follow up was top notch. I would recommend your company and Mike to anyone in need of your type of services/lending.

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Reply from Credit Direct

Nov 16, 2020

Thank you for the positive feedback on Mike!

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Paul Peters

June 19th, 2019 Bancroft, MI

It was nice working with Craig S. He guided me through the process and I received a good loan to assist in the remodeling of our home. I would recommend Craig to anyone looking for assistance in finding the appropriate loan for their need.

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Reply from Credit Direct

Feb 03, 2021

We are glad to hear you had a great experience, thank you!

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Michael Moore

June 14th, 2019

Really enjoyed my experience. Received a phone call and was asked a few questions. Then a short time later the offers for loans started coming in.

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Reply from Credit Direct

Feb 03, 2021

We are so happy we were able to assist, thank you!

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SarahW

June 13th, 2019 Morrisville, NC

I was in dire need of emergency funds and my credit has still not fully recovered from my divorce. I was preapproved in literally minutes, had funds in my account within 2 days, and everything was incredibly easy. There was nothing hidden and everything is above board. Great experience.

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Reply from Credit Direct

Feb 03, 2021

Thank you for the positive feedback!

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Stacy

May 29th, 2019 DETAILS arrow_drop_down
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Great company, good customer service. Would recommend to anyone.

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Reply from Credit Direct

Feb 03, 2021

Thank you so much!

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