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Payday Direct is a large company offering online payday loans and direct installment loans to consumers in 44 states. Payday Direct claims to have an online approval process that takes less than five minutes to complete. You must have an active checking account, be a US citizen thats at least 21 years old and have a monthly income of at least $1000 a month to be approved for a direct payday loan. Payday Direct is a longtime member of the Online Lending Alliance. They work with consumers in all states EXCEPT . Arizona, New York, Oregon, Pennsylvania, Virginia and West Virginia. [link widoczny dla zalogowanych] Finding a student loan that requires no cosigner or credit check is not as hard as you may think. Federal student loans dont require either. These loans are need-based, so if you simply demonstrate a need for financial assistance you will be considered eligible. To apply for federal student loans, fill out a FAFSA form online. Compare Đ1,000 Loan Rates