Direct Deposit Loans in Minutes Online
- Easy online application 24/7
- Loan approval in minutes
- Same-day funding*
- Options for poor or no credit
- Flexible repayment terms
*If approved before 10 AM CT on weekdays
Trusted by Thousands of Customers
conditions were transparent, and the interest rates were fair. The online gateway facilitated transaction and payment management.
greeatings to 15m finance for making my Christmas dreams come true! With their help, I was able to wrap up gifts without unraveling my budget. 10/10!
15m finance helped bridge a financial gap and get some extra dollars to my pay check
Sometimes, you may need fast cash right where you are, with no credit check and store visits. At 15M Finance, we offer 1-hour direct deposit loans you can request in minutes to solve your money problems. Complete our fast and easy online process, get instant approval, and receive the funds on the same day. We accept bad credit applicants and provide reasonable direct lender options to support them.
Apply 24/7 in 3 Easy Steps
Getting a direct deposit loan is simple. Here are 3 steps you should take to apply with 15M Finance:
Fill out a loan request form. It will take you about 5 minutes.
Receive an approval decision. Get a loan decision via email in 15 minutes.
Get the funds. If approved, the money will be deposited directly into your bank account on the same or next business day.
How We Build Trust
Loved the speedy process. Everything was super easy.
Good in an emergency. They approved me fast and sent the funds in about 2 hours.
15M Finance helped my family get through tough times. Thank you!
What Do You Need to Apply for an Instant Loan
Prepare these documents and information in advance to speed up the application process:
Personal and contact details: full name, email, cell phone number, residential address ID and Social Security number Proof of income and address Bank account details Your employer’s contact information
Please note that you need to reach the age of majority in your state to qualify for loans from 15M Finance.
Types of Direct Deposit Loans
There are several direct deposit loan options you can choose from based on your current situation and particular needs.
One-Hour Payday Loans
Borrow up to $1,000, with just 1 hour from applying to sending the funds.*
Instant Cash Advance Online
Get an instant decision and bridge your small money gaps today.
Same-day Payday Loans
Receive the money by the end of the same day to cover emergency expenses.
All Loans
We know that each situation is unique. Therefore, we offer a wide range of financial products to better meet your needs.
Bad Credit Loans. Borrow up to $5,000 with convenient repayment schedules, no matter your credit score. Personal Loans. Quick financing of up to $10,000 with affordable monthly payments for your long-term needs. Payday Loans. Our short-term loans of up to $1,000 are designed specifically for emergency expenses. Online Loans. Apply online 24/7 and get the funds via a direct deposit within a day. Loans Near Me. Get personalized cash assistance in one of our physical stores.
*Funding speed depends on when you get approved and your bank’s cut-off times.
Terms & Rates
Direct deposit loan terms may vary depending on the state, loan type, and your creditworthiness. Payday loans typically come with lender fees of $10 to $30 for each $100 borrowed. This translates to an APR of 270% to over 700%. Here are representative cost examples:
| Loan Amount | Fee per $100 | APR (14 days)* | APR (30 days)* | Total Cost |
| $100 | $10 | 260.71% | 121.67% | $110 |
| $300 | $15 | 391.07% | 182.50% | $345 |
| $500 | $20 | 521.43% | 243.33% | $600 |
Extra fees for processing your loan request, non-sufficient funds, and late repayment may also apply. These charges may be expressed either as a percentage of the loan amount (often between 1% and 10%) or as a flat fee.
Installment loans typically come with APRs between 16% and 200%. The table below demonstrates how the total cost and monthly payments change with different APRs and repayment periods:
| Loan Amount | Repayment Period (months) | APR* | Monthly Payment | Total Cost |
| $500 | 3 | 17.99% | $171.69 | $515.07 |
| $1,000 | 6 | 23.40% | $178.22 | $1,069.35 |
| $3,000 | 12 | 32.80% | $296.61 | $3,559.30 |
| $5,000 | 18 | 35.99% | $363.52 | $6,543.32 |
*The exact cost is subject to approval based on your location, credit, and application details.
Why Choose 15M Finance?
15M Finance has been offering direct lender loans to borrowers across the US since 2020. Since then, we have helped more than 565,000 Americans get much-needed financial support and save over $289 million in fees on their loan products. We’re always here to provide you with the money you need quickly. Our friendly staff will help you navigate the process and find the loan option that suits you best. Apply online now, get an instant approval decision, and receive the loan funds within 1 business day, even with bad credit.
Key Features of Direct Loans from 15M Finance
Loans with a direct deposit from 15M Finance can be a smart way to cover your urgent needs. Here are key features that make them one of a kind:
Easy online application. You can apply online via the website in just 5 minutes. The form is available 24/7 and only requires your basic personal and financial information. Loan approval in minutes. A soft credit check we perform takes up to 15 minutes, allowing you to get an approval decision in no time. Same-day funding. Applicants approved before 10 AM CT on weekdays can receive the loan funds on the same day. Bad credit options. We don’t focus on your past financial mistakes and accept borrowers with poor or no credit. Flexible repayment terms. We offer a wide range of loan options to meet both your long-term and short-term needs. You can adjust your loan payments to your current financial situation by choosing a shorter or longer repayment period.
How Do Direct Deposit Loans Work?
Direct deposit loans are borrowing options that are funded directly into your bank account. These small personal loans are automatically repaid through payroll either in one lump sum or in affordable monthly installments, depending on the loan type. All this eliminates the need to visit a lender’s store in person. You can complete the entire process from the comfort of your home and potentially receive the needed amount on the same day you apply.
As direct deposit loans often come with no hard credit check, they are available to individuals with bad credit. Their fast and easy process with instant approval and quick payouts makes them a great option for people who face financial emergencies. The money can be used for any unexpected expenses and personal needs with no restrictions.
Tips on Responsible Borrowing
At 15M Finance, we believe that responsible borrowing is key for your smooth financial journey. Here are some tips to help you make smart and stress-free money choices:
Know what you need the money for
Determine your loan purpose and be realistic about whether it’s a good reason to take on debt. Assess the urgency and make sure you really need a loan in your situation.
Borrow only what you need
Overborrowing comes with more total interest and unnecessary spending. Decide on the amount in advance and stick to it.
Choose a reputable lender
Ensure you deal with a trusted loan provider by reading customer reviews and requesting licensing information.
Read the loan terms carefully
Review the offered terms thoroughly, paying special attention to APR and fee disclosure and information hidden in fine print. Make sure you understand what you’re going into, or contact the lender if something seems unclear.
Assess your financial capabilities
Borrow money only when you know how you will repay the loan. Look at your current financial situation, list all your expenses, and see how it corresponds to your loan payment.
Plan for repayment
Add your loan payment to the list of your mandatory expenses and set aside the needed amount so as not to miss any payment. You can also set reminders or use auto-pay to simplify the process.
How to Improve Your Credit Score
While direct deposit loans are often available with bad credit, you can get more favorable loan terms with a higher FICO rating. Here are some practical ways to boost your credit score:
Dispute errors on your credit report. Request free copies of your credit reports from each of the three credit bureaus and revise them carefully. Make sure the information is accurate. If any errors arise, dispute them. Apply for a credit-builder loan. This loan requires you to make payments upfront without getting the loan amount until the repayment period ends. Your money will be deposited to a savings account you can access only after repaying the loan in full. Each of your on-time payments will be reported to credit bureaus, improving your credit score. Get a secured credit card. Such a card comes with a security deposit that also serves as your credit limit. Then, you can simply use it like a regular credit card to make purchases. By managing your debt responsibly, you boost your credit and can potentially upgrade your secured card to a regular one. Pay on time. Your payment history is very important as it makes up 35% of your FICO score. Keep track of your loans and bills and never miss due dates if you want to build strong credit.
FAQ
How to get a loan in a few minutes?
Consider loan options that offer instant funding. These may include loans through cash advance apps, pawn shop loans, and credit card cash advances. If you apply for direct deposit loans, funding speed depends on your approval times and your bank’s cutoffs.
How can I borrow money right away fast?
Sure! Our online application form is available 24/7, so you can complete it right away and receive the money on the same or the next business day after approval.
How can I borrow money urgently?
The fastest way is to apply online via the website. We offer same-day direct deposits to borrowers who apply before 10 AM CT on weekdays.
