Credit Direct is an online personal loan provider that makes access to funds simple. Our unique, proprietary underwriting process not only matches consumers with loan offers internally, but we have a network for 15-20 other lenders to find the best available term and rate. Our application process is an easy 4-step process with funds deposited as soon as 48 hours from approval. We offer no pre-payment penalties, clear terms up to 60 months, and loans amounts up to $40,000 Visit our About Us page on our website to see which states we currently operate in. Se Habla Español.