Get a Decision In Minutes!

1. Personal Information


2. Employment Information


3. Financial Information


The proper security and encryption for your information are ensured.
The loan request may NOT affect your FICO score.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy, the Terms & Conditions of Use and the E-Consent. I understand that after submitting my information, a lender may contact me by phone.

Request Payday Loans from our Direct Lenders Now! 

Fill out our online loan request form and get an excellent suggestion from our direct lenders tailored just for you.On our platform, you can expect to get connected with the lender who has the best suggestions for your situation. As a result, the chances of getting rejected are minimum, even if you have a bad credit score.

These loan options are provided by independent direct lenders and suggest a short-term relief to your urgent problems. The payday terms and conditions may vary from one state to the next, depending on their corresponding State Laws.

When it comes to fast and easy cash advances, payday loans are proven to be a great option. Online payday advances offer their borrowers the ability to put to use their e-services in order to connect with direct payday loan lenders to cover their quick financial needs.

ShinyLoans! Online Cash Advance is the Best Solution!


The cash advance is set out to be repaid in full within two weeks, or when your upcoming salary is set. Which is why they are perfect for any emergency type situations or even piled up bills. With Shinyloans, speedy service and a timely deposit will push you to opt for a payday advance as soon as possible.

Payday loans online from direct lenders explained!


These loan options are provided by independent direct lenders and suggest a short-term relief to your urgent problems. The payday terms and conditions may vary from one state to the next, depending on their corresponding State Laws.

Who Are Direct Payday Loan Lenders?

By this point, you might be wondering how direct lenders work and how do they differ from any usual mortgage brokers. To put it simply, the online payday loan direct lender is immediately responsible for your approval and cash disposal. In other words, with direct lenders, you do not need to scatter around to different banks and institutions in search of reasonable and attainable cash payouts.


How Do Online Loans from Direct Lenders Work?

When you decide to opt for an online direct lender, your entire communications and interactions will be through one financial institution. The process of requesting the credit getting your approval, receiving your funds, and repaying your debt will be with one direct lender. Moreover, the general beauty of this process is its cyber nature, from form request up until repayments. This may make things much easier and simpler for you as you can go through the process just about anywhere you are, as long as you have internet.

The Three Simple Steps

The money advance process is broken down into simple steps.

  1. You simply need to log in and revise all the necessary requirements to be able to complete your request fully. Some of these requirements may vary from one direct payday lender to another.
  2. Later on, you move on to the request form that can be fulfilled within minutes, all through the web. Therein, your request will be submitted for a quick revision where you will be sent a final decision within the day or the next.
  3. When approved, you will be able to connect with some of the best payday loan direct lenders, whereby you can discuss the terms and conditions.

The Benefits of A Payday Loan With Direct Lenders

Payday advances offer a wide variety of advantages that make them all the more desirable to seek out. Some of these benefits include:

  • Speed And Convenience

Usually, payday cash upfronts are completed and processed within one day, which is a great solution for an unexpected problem that needs quick cash. If you do not have the luxury to wait for bank approval, then start off your payday credit today. This speed also applies to the repayment method, the short-term credit is set off to be repaid within a few weeks or by your next month’s salary. Moreover, you are provided with the opportunity to complete the entire process through the comfort of your own home.

  • Minimum Requirements

While traditional banks pile up hard to meet requirements, quick payday direct lenders do not impose such strong requirements. No more long queues and piles of paperwork, you can complete your request with minimal requirements.

  • No Collateral

Traditional banks dictate that any form of credit requested must be secured with a valuable asset. With these payroll advances, you can save your valuable assets and get the money you need as fast as possible.

  • No Hard Credit Checks

Traditional banks require credit checks upon their borrowers to assess their eligibility. Online payday loan direct lenders do not impose harsh credit checks, meaning your credit score may not affect your cash advance approval. You can now get the cash you want with a bad credit score.

How to Be Eligible

These minimal requirements can set you on the road to get the cash you need.

  • You must be 18 years of age.
  • You must be a United States resident.
  • You must provide a current bank account.
  • You must present legal proof of income.

Bottom Line

Shinyloans is an online financial platform that is ready to offer its customers with top quality products and services, helping them connect with a wide variety of direct lenders to reach the financial stability they seek.

 Before embarking on your process, make sure that you have conducted your research and are ready to make an informed decision. You need to also be sure that your financial capabilities allow you to cover the cash amount you are borrowing. Online payday loans with direct lenders may be the ideal solution to your ongoing financial problems when used properly.