Credit Direct

• 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 $47,500. 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. 

• 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 12 states: Alabama, Arizona, Arkansas, California, Florida, Indiana, Louisiana, Maryland, North Carolina, Oklahoma, Pennsylvania, and Texas. If you are currently residing in any other state other than the ones listed, you will not be eligible for a Credit Direct loan.