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Cash Advance Loans

Cash Advance Loans

When you need money, but your payday is still not here, it can cause you a lot of stress. Don’t worry, because you can get the cash you need with cash advance loans. A cash advance is a short-term loan that provides you with money that you need until you get paid. This type of loan is prevalent, and you don’t need to have a good credit rating to obtain one. You can get cash advance loans very quickly, often within a day or two after you submit your application. At Direct Payday Loans, we offer short-term loan solutions for all your needs.

How Do Cash Advance Loans Work?

A cash advance loan is a short-term loan that you will repay very soon, usually when you get your next paycheck. You agree to repay the loan based on the terms that the loan company offers. Repayment will be based on your ability to pay, so you won’t have to worry about going over your budget to repay the money. When you receive payment, you can use it for whatever you like. Whether you have outstanding bills to pay or simply want to take a vacation or buy something special, you can do it with the money from the loan.

Criteria for Cash Advance Loans

There are several requirements you must meet to qualify for a cash advance loan. You must be at least 18 years of age and be a citizen or permanent resident of the United States. You must be employed at your present company for at least 90 days. Also, you should have an income of at least $1,000 per month. You will also need to have a checking account in your name. Since this is a short-term loan, there is no need to worry about your credit history. You can apply securely online or at one of our locations.

How Soon Can I Receive Money?

Once you submit the information on our website, you can expect to hear from a lender very soon, often the same day. The lender will confirm the details of your application and ask for additional data. Then, the loan company will approve your request, sometimes in just a few minutes. Once the application is approved, you can expect to receive the money in a short period. Many times, applicants receive payday loans the same day or the next day after they apply. The lender deposits the money directly into your bank account, so you can start using the money right away.

About Direct Payday Loans

At Direct Payday Loans, we make the process fast and easy. We partner with several lenders to obtain cash advance loans that meet the needs of our customers. We offer a secure and private application process to ensure your privacy. We make it easy and stress-free to get the money you need as soon as possible. After you get approved, you will have the funds in your account quickly so you can use it however you like.

Cash Advance Loans
Direct Payday Loans

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Cash Advance Loans Cash Advance Loans

First Look Solutions

Zip Loan has formed partnerships with leading financial institutions and lenders for the sole purpose of creating an integrated first look experience. Consumers can see all their options in one location, which makes them more inclined to buy.

Application Process

APIs support the application, credit rating, pre-approval, and final offer for a smooth process from start to finish. Each financial provider has a tailored workflow to its algorithms and necessary functionality. These APIs handle special requirements seamlessly and speed them up.

This modular solution supports pre-approval concepts, promotional payment programs, and joint application processing.


This module supports both online and storefront transactions, pending the approval of third-party partners. With practical features like same-day voiding, partial or full post return, and support for on-site facilities, the first look module is a sensible choice.

Reports and Inquiries

Businesses need to know their revenue figures, so this modular software makes it easy. Companies can quickly check daily transactions reports, merchant reporting, individual transaction reviews, individual account settlement status, and merchant-wide settlement reports.

Customers can also verify their accounts and track their payments.


The solution modules are designed so they can work independently or within an existing customer system. The modular payment solution integrates with the most popular software easily, or the development team can build a custom bridge.

Zip Loan offers full look customization. Clients can choose to use the existing clean interface or create their own to match the rest of their process. Zip Loan offers workflow optimization and assistance.

Second Look Solutions

Second look solutions often require multi-level or multi-partner financing options. Zip Loan facilitates that through the second look module for consumers who are typically considered sub-prime borrowers. The process matches the first look module, and the two integrate seamlessly for a better customer experience when deployed together.

Application Process

Functional APIs allow quick processing for application, credit rating, pre-approval, and final offer for each financial institution. The API expedites special requests and manages the process flow based on what information the consumer provides.

Joint application processing, pre-approval concepts, and promotional payment options are available with this module.


Businesses need to know their revenue figures, so this modular software makes it easy. Companies can quickly check daily transactions reports, merchant reporting, individual transaction reviews, individual account settlement status, and merchant-wide settlement reports.

Customers can also verify their accounts and track their payments.

Reports and Inquiries

All modules include in-depth reporting so partner companies can better manage their revenue stream. Available reports include individual transaction review, individual account settlement status, merchant
reporting, daily transactions report, and merchant-wide settlement reports.

Customers can also verify their own accounts and perform specific actions.

Third Look and Merchant Payment Plans

Payment plans may seem newer, but the practice is a well-recognized payment method with decades of history. At Zip Loan, we’ve been providing payment plan solutions for years to helps businesses gain customers, even those without excellent credit.

Zip Loan provides an end-to-end solution for every client. This model uses advanced origination modules and comprehensive software solutions for every eventuality. As with first look and second look modules, this software can be used alone or as a modular waterfall solution.

How It Works

The third look and merchant backed plan module can be implemented alone or with partner workflows for a seamless experience. The APIs handle all the origination and underwriting mechanisms as well as the payment plan execution.

This modular payment solution includes four potential mechanisms for ease of use:

This module uses a proprietary software solution for underwriting criteria that companies can customize using a rules system. Companies can specify each aspect of the payment terms based on their clients’ risk factors when filling out their profile. The platform has an API for credit risk factors and can check credit scores.

The interface for consumers is straightforward and simple to operate. Changes companies make to criteria are reflected immediately, and users are not notified when a company changes its rules. Instead, the consumer sees different offers at the next search.


The module platform creates the necessary legal documentation based on the merchant inputs. The platform includes a signature pad for ease of use and email status updates on the customer’s requests. For the consumer, the straightforward workflow looks like this:

Recurring Billing

Once the consumer signs the documents, the recurring billing system handles all payment management. There’s no need for the company to chase the consumer. If necessary, the collections module handles any missed payments.

Additional Key Module Features

All modules include:

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