If you made it here, you probably have spent time shopping online for a personal loan and come across many advertisements in the process. They all claim to provide fast, easy loan approvals for people with bad or poor credit, designed to help you quickly pay off debts or get through an emergency financial crisis.
How do you know who you can trust? Due to harmful lending practices by predatory lenders, consumers need to protect themselves from landing in a bad situation that could damage their credit even further.
At Credit Direct, we are working to change the industry by taking a fresh and honest approach to personal lending, one which places transparency and integrity above all. We back our online lending technology with clear rates and terms, along with excellent customer service that is 100% US-based, right here in Rockville, Maryland.
Take Dana’s experience applying for a personal loan with us:
“I am a first-time customer for any program of this type – and knowing there are so many predatory companies out there, I was very leery when I took the first steps into looking for debt consolidation/resolution. I received a plethora of contacts from various companies after my initial on-line query, but one in particular stood out. Mrs. Rita with Credit Direct. I can’t begin to sing enough praises about Mrs. Rita. She provided the absolute best customer service I have had in literally decades – even answering an e-mail on her day off!”
~ Dana S., Certified Credit Direct Customer, February 28, 2019.
Applying For A Personal Loan Is A Lot Easier Than You Think
Many people are under the impression that getting a personal loan is a lot like getting a home loan or mortgage. They think there will be a 10-page application, dozens of supporting documents, phone calls, credit references, and a waiting period that can stretch into weeks. At Credit Direct, nothing could be further from the truth. Many of our customers find that the entire lending process, from application to funding, can take as little as 72 hours.
Built on our proprietary lending technology, we’ve created an online application process that takes just four easy steps to complete. Fill out and submit the short web form and get your results in minutes! The entire process happens over a secure, encrypted line, so you can relax and leave the next step to us. We’ll send you the best offers available for you to review. Once you are ready to accept an offer, all documentation is submitted electronically, so you don’t have to worry about paperwork getting lost in the mail.
If you are more comfortable applying directly with a loan agent, you can call to speak with a representative at 866-414-4198 during business hours and complete the entire process over the phone.
Kim shared her experience working with one of our loan agents:
“Excellent! Jay V. made the loan process – very smooth and easy! Provided me with more loan options than I knew were out there! I’m very glad I choose Credit Direct. I know this might sound like a commercial slogan – but – they are like a one place stop for finding a loan. They basically do the work for you!!”
~ Kim M., Certified Credit Direct Customer, November 20th, 2018
Think you won’t qualify? Think again.
The number one worry we hear from borrowers is that they don’t believe they can qualify for a personal loan. This perception is usually due to bad credit, previous bankruptcies, collections or other financial issues. Also, many think if they don’t own a home or have some other collateral, they won’t qualify for a personal loan.
The truth of the matter is, Credit Direct has helped people with different financial situations and scores qualify for a personal loan. One of our primary qualifying criteria is your ability to repay your loan, not just your credit score or credit history. If you have steady, verifiable income, you are more likely to be approved for a personal loan with us. And though home ownership is helpful, it is not by any means mandatory to receive a personal loan.
Another way in which Credit Direct puts their customers first? If you don’t qualify for one of our personal loans, we’ll refer you to one of our partner lenders who may be able to help.
We helped Paula get approved for a loan through our partner network:
“I was pleased with the assistance I received from Credit Direct. They were able to provide a few options for me to do a debt consolidation and I was able to close my loan with a finance company that was right down the street from. They were very nice, efficient and gave me what I needed to help my financial future.”
~ Paula H., Certified Credit Direct Customer, January 2018.
It’s your money – do what you want with it
The great thing about a personal loan is that it’s just that: personal. You have the flexibility to use your funds however you please. Many people use personal loans for debt consolidation, credit card refinancing, eliminating medical bills, moving expenses, or home renovations. What you use the funds for is your choice.
We know you also have a choice when it comes to personal lenders and real concerns about the entire loan process. That’s why we have worked hard to earn a positive reputation for our fresh and honest approach to personal lending. But don’t just take our word for it, or the words of the three other customers quoted here. Credit Direct has an A+ rating and an 5-star customer review average rating certified by the Better Business Bureau. When you are ready to take the next step, give us a call or apply online today by clicking below!