error This company may not service all states.

Credit Direct is a direct lender, but also provides personal loans through an online partner network. The company is not a payday loan or emergency loan lender, but offers unsecured personal loans for any occasion. Loan amounts vary from $1,000 to $40,000

Designed to get you from application to funding in as little as 48 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. 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 16 states: Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Louisiana, 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.

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The Good

  • 24-Hour Approval and Fund Transfer
  • Wide Range of Loan Amounts
  • Simple Application Process
  • Sign With a Cosigner
  • Low Fixed Rates
  • 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. 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 personal loan amounts ranging 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.

Low Fixed Rates

Credit Direct has fixed rates rather than variable rates, meaning your interest rate won't be subject to change and will never fluctuate. Your monthly payment will also stay the same, so you never have to worry about the terms of your personal loan changing throughout the lifespan of your loan. This creates stability for borrowers and could make it simpler to keep track and stay on top of Credit Direct's loans. 

Credit Direct rates start as low as 4.99 percent APR, which is low compared to other lenders in the industry. However, the rate that borrowers receive will be dependent on their credit history.

It is important to note that Credit Direct states that interest rates will likely be higher with personal loans than other types of loans, although it does not list specific rates on its site. A credit check is required when applying for a personal loan with Credit Direct, and a borrower with a good credit score will get better rates than a borrower with poor or bad credit.

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 Transparency
  • State Availability

Lack of Transparency 

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. 

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 16 states: Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Louisiana, 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. 

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The Bottom Line

Credit Direct offers its fixed-rate loans to 16 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. 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. 

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User Reviews

Star Rating

4.9
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13 Reviews

Review Breakdown

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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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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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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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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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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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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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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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