InstaPayDirect
Loan request
Start your request
$100 to $5,000rangeSoft inquiryto start$0to send
Encrypted in transit. Sent to the network you choose, no one else.
One request. Straight to the network.
Send one request for $100 to $5,000. InstaPayDirect puts it in front of a network of lending partners at the same time. The partners who can help respond, often by the next business day.
- Soft inquiry firstSeeing your options never touches your credit score.
- Free to useLenders pay us. You never do.
- No obligationRead any offer on your own time and walk away if it does not fit.
Every category runs on the same line.
One form reaches the whole network. Each category below has its own page of partners and a plain guide, and the form stays the same.
Start my request
- ContactName, email, phone, address
- IncomeSource and rough monthly amount
- BankAn active checking account for a deposit
Nothing on paper. Nothing to post. A couple of minutes on a phone.
from$100to$5,000
15 amounts to choose from on the form
How it runs
Three steps, no detours
No calls to make and no paperwork. The whole thing runs in your browser.
01
Complete the form
A secure online form that takes a couple of minutes: the amount, a few basics about income and banking, done.
- Soft inquirySeeing your options starts with a soft inquiry, which does not affect your credit score.
- EncryptedYour details travel and sit in encrypted form.
- FreeSending a request costs nothing and commits you to nothing.
02
Reach the network
We present your one request to the lenders in our network at the same time. If a lender is interested, you are connected to review its offer.
- A request, not an approvalEach lender decides for itself whether to work with you, and on what terms.
- How lenders are chosenLenders bid for requests. The highest available bidder is connected to you. Our service stays free.
- No cold calls from usInstaPayDirect places no outbound sales calls. A lender, or a third party you consent to on the form, may contact you.
03
Receive funds
If a lender approves and you accept, that lender makes the deposit, not InstaPayDirect. Timing is set by the lender and your bank.
- Terms come from the lenderThe lender provides documents with every fee and rate. We have no control over those terms.
- As fast as one business dayMany lenders transfer funds the next business day, if approved. Weekends and holidays add time.
- Late payments hurt your creditOnly accept terms you can afford to repay. If you cannot pay on time, contact your lender straight away.
The form, by the numbers
Fifteen amounts. One request.
The form offers fifteen loan amounts between $100 and $5,000. Pick the one that fits and send it once.
$0to send a request
1form for the whole network
9categories on one line
What it costs you
Nothing. At any point.
InstaPayDirect charges you nothing to send a request or to be connected. Every rate, fee and repayment schedule comes from the lender who makes you an offer, in writing, before you accept.
Questions about a loan inquiry, approval, funded loan or payment go to your lender directly. InstaPayDirect is not the lender and cannot answer questions about a pending or approved loan.
Soft inquiry to start
Checking your options will not affect your credit score. A lender only runs a full check if you proceed with its offer.
Encrypted submission
Your information is transmitted and stored in encrypted form, and shared only with the network you send it to.
Free, no obligation
Sending a request costs nothing. Review any offer on your own time and accept only what works for you.
Plain terms
What stays in your hands
The parts people ask about most, stated up front rather than buried in the footer.
01A request, not an approval
We forward your request to participating lenders. Each one decides for itself whether to work with you, and on what terms. Our role is the introduction, nothing more.
02We do not cold-call
InstaPayDirect places no outbound sales calls. Once your request reaches the network, a lender, and any third parties you consent to on the form, may contact you directly. You can opt out at any time.
03Walk away at any point
Any offer comes with its full rate, fee and repayment terms in writing. Read it on your own time and decline it if it does not fit. Submitting a request never obliges you to borrow.
04How we are paid
InstaPayDirect receives compensation from its lenders, often through a bidding model in which the highest available bidder is connected to you. Our service is always free to you.
05Credit checks and authorization
By submitting, you authorize InstaPayDirect and its partners to perform a credit check and to share your information with the lending network. The Credit Authorization page has the full detail.
Common questions
Asked before people press send
If something is still unclear, ask before you send anything.
01Is InstaPayDirect a lender?
No. InstaPayDirect is a free referral service, not a lender. We present the request you send to a network of lending partners, and any lender who chooses to work with you sets its own rates, fees and terms.
02How much can I request?
Between $100 and $5,000. Whether a partner offers you a loan, and on what terms, is always that lender's decision.
03Will checking my options affect my credit score?
Sending a request through InstaPayDirect starts with a soft inquiry, which will not affect your credit score. If you continue with a specific lender, that lender may run a full credit check with your authorization.
04How soon could funds arrive?
Many lenders in the network transfer funds as soon as the next business day, if approved. Exact timing depends on the lender, your bank, and when your request is completed.
05What does InstaPayDirect cost?
Nothing. Our service is free and sending a request creates no obligation. We are paid by our network, never by you.
06Where does my request go?
To our network of lending partners. If a lender wants to work with you, you move to that lender's own site to review the exact rate, fees and repayment schedule before you accept anything. You are never required to accept an offer.
07How is my information protected?
We use industry-recognized security and encryption. Your information is transmitted and stored in encrypted form. The privacy policy sets out exactly what is collected and who it is shared with.
In the open
Nothing about your request is hidden.
Transparency
InstaPayDirect is not a lender. The advertising disclosure explains how we are paid and how that can affect what you see. Every policy is one tap away, on every page.
Security
Encrypted in transit. Stored in encrypted form. A soft inquiry to start.
Your data, your call
$0
No fee to send a request, ever. Lenders pay us, never you. Opt out of marketing or the sale of your information whenever you like.