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Credit Direct

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44 User Reviews

7.0

Overall Score

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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.

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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. 

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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

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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

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Star Rating

5.0

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44 Reviews

Review Breakdown

5 grade

95%

4 grade

5%

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2 grade

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1 grade

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Sentiment Criteria

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star star star star star

Juanita Neasbitt ,

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

3 months ago

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Reply from Credit Direct

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

Jan. 27th, 2021

star star star star star

ynotBu Johnson Powder Springs, GA

The return time was amazing! Haven’t had such great customer care in awhile and the loan officer (SEAN H.) was more than available for every question I had!! Thank you so much, best service EVER😊

2 months ago

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Reply from Credit Direct

Thank you so much for the feedback on Sean!

Feb. 28th, 2021

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April Robinson 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!

5 months ago

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Reply from Credit Direct

We are so glad Ryan was able to assist you!

Dec. 8th, 2020

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Taneca Attica, MI

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.

3 months ago

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Reply from Credit Direct

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

Jan. 29th, 2021

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Mable Arthur 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.

3 months ago

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Reply from Credit Direct

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

Jan. 29th, 2021

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Maggie Harris ,

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

4 months ago

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Reply from Credit Direct

We are so happy Tyler was able to assist you!

Dec. 31st, 2020

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Marcus Farrow 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.

3 months ago

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Reply from Credit Direct

Thank you so much!

Feb. 3rd, 2021

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Jennifer Garza Marianna, AR

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.

3 months ago

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Reply from Credit Direct

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

Feb. 3rd, 2021

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ARNULFO ACOSTA ,

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

3 months ago

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Reply from Credit Direct

Thank you so much for your feedback!

Feb. 4th, 2021

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John Gerstner St Louis, MO

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

3 months ago

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Reply from Credit Direct

Thank you so much for the 5 star review!

Feb. 4th, 2021

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Kevin Briles 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.

3 months ago

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Reply from Credit Direct

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

Feb. 4th, 2021

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Samtham Elk Grove, CA

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

3 months ago

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Reply from Credit Direct

We appreciate the 5 star review!

Feb. 3rd, 2021

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Tee Pendleton 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.

4 months ago

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Reply from Credit Direct

Thank you much for the positive feedback on Mike!

Dec. 31st, 2020

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Anaceci 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!!!

6 months ago

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Reply from Credit Direct

We are so glad Ryan was able to help you!

Nov. 16th, 2020

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Shari J Fallbrook, CA

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

3 months ago

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Reply from Credit Direct

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

Jan. 29th, 2021

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Jacqueline Feenster Randallstown, MD

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

3 months ago

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Reply from Credit Direct

Thank you for the positive feedback on Kyle!

Jan. 29th, 2021

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George 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.

4 months ago

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Reply from Credit Direct

Thank you for the feedback!

Jan. 8th, 2021

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ATSusa Fort Worth, TX

Wow, i cant say enough good things about Credit Direct, specifically Damon. He answers all the time and is very helpful!

4 months ago

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Reply from Credit Direct

So happy Damon provided great service to you!

Jan. 5th, 2021

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Julie A Correa Edinburg, TX

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

5 months ago

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Reply from Credit Direct

Thank you so much for the positive feedback!

Dec. 8th, 2020

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Jose Saenz 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.

6 months ago

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Reply from Credit Direct

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

Nov. 16th, 2020

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Neal Lanham, MD

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!

1 year ago

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Reply from Credit Direct

Thank you for the positive feedback on Mike!

Nov. 16th, 2020

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SarahW 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.

1 year ago

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Reply from Credit Direct

Thank you for the positive feedback!

Feb. 3rd, 2021

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Joseph columbo Columbia, MD

I received my loan as requested. Marco was very helpful in this process. Thank you.

3 months ago

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Reply from Credit Direct

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

Feb. 3rd, 2021

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Christopher Lee Lakeland, FL

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

3 months ago

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Reply from Credit Direct

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

Feb. 1st, 2021

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Robert Lowery Spring Hill, FL

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

3 months ago

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Reply from Credit Direct

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

Jan. 27th, 2021

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Maria Borger Canyon Country, CA

It was fast and easy! Mike K my loan consultant was amazing! He was attentive, responsive and professional!

5 months ago

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Reply from Credit Direct

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

Dec. 8th, 2020

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VC Works 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.

6 months ago

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Reply from Credit Direct

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

Dec. 8th, 2020

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Paul Peters 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.

1 year ago

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Reply from Credit Direct

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

Feb. 3rd, 2021

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Michael Curtis Jackson, MS

Professional understanding and very easy to deal with.

3 months ago

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Reply from Credit Direct

Thank you so much for your positive feedback!

Feb. 18th, 2021

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Van inn Los Angeles, CA

They are nice and friendly and guide you all the way until you get the fund.

3 months ago

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Reply from Credit Direct

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

Feb. 4th, 2021

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Michelle Poku Fort Worth, TX

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

3 months ago

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Reply from Credit Direct

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

Feb. 3rd, 2021

star star star star star

L Conner Orlando, FL

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

4 months ago

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Reply from Credit Direct

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

Jan. 8th, 2021

star star star star star

Paul Yurkovac Petersburg, VA

Ryan S. was helpful, great to work with, and provided a quick funding solution. Thanks!

5 months ago

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Reply from Credit Direct

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

Dec. 31st, 2020

star star star star star

Kim Tremelling 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.

1 year ago

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Reply from Credit Direct

Thank you for the positive feedback on Mike!

Nov. 16th, 2020

star star star star star

Delia Vanegas ,

Good intrest very polite and good service

3 months ago

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Reply from Credit Direct

Thank you so much!

Feb. 3rd, 2021

star star star star star

T M West Scottsdale, AZ

Works very hard to try and get you what you need

3 months ago

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Reply from Credit Direct

Thank you so much!

Jan. 29th, 2021

star star star star star

Christina Baker Hagerstown, MD

Great Company to work with and I recommend them to others.

3 months ago

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Reply from Credit Direct

Thank you!

Jan. 27th, 2021

star star star star star

Mikeuscg30 ,

Loan consultant worked diligently in setting up loan

3 months ago

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Reply from Credit Direct

Thank you so much!

Jan. 27th, 2021

star star star star star

Michael Moore

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.

1 year ago

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Reply from Credit Direct

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

Feb. 3rd, 2021

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Clyde Gatewood Los Angeles, CA

Great job nice work they help u fast love it

4 months ago

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Reply from Credit Direct

So glad that you received great service!

Dec. 31st, 2020

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Kabro63 Danville, VA

Very helpful loan officer Mike thanks again!

5 months ago

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Reply from Credit Direct

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

Dec. 31st, 2020

star star star star star

Rachel Lehigh Acres, FL

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

6 months ago

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Reply from Credit Direct

We really appreciate the positive feedback on Ryan!

Nov. 16th, 2020

star star star star star

Arturo Pina La Verne, CA

Excellent! Extremely responsive and helpful!

6 months ago

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Reply from Credit Direct

Thank you so much!

Nov. 16th, 2020

star star star star star

Stacy

Great company, good customer service. Would recommend to anyone.

1 year ago

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Reply from Credit Direct

Thank you so much!

Feb. 3rd, 2021

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