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As online payday loans direct lenders, the only thing you need to do is to furnish us with financial details. This article focuses on direct personal lenders only. Best Personal Loans with Bad Credit: 2022's Top 4 Direct Lenders For Quick Loans & Same Day Loans| Most Trusted Platforms For No Credit Check Loans & Fast Cash Loans Online| Instant Bad Credit Loans Near Me. Installment Loans. Payday loans typically have an APR of 400 . Given below are the ways through which you can get the loan on very bad credit:-1. Personalised Lending. The entire direct lender loan system is expressly designed to allow individuals with bad credit histories to avail of loans, and all that you will ever need to . 'Yes' to bad credit through unsecured loans for bad credit. A direct lender offers you a loan directly, whereas a loan broker, affiliate or lead provider simply matches you with a lender. 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