Credit Direct
Credit Direct
in Personal Loans from Delmarva Funding LLC

Credit Direct

in Personal Loans from Delmarva Funding LLC
SuperMoney Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

5 users recommend
0 users are unsure
0 users don't recommend
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APR  (Fixed APR) N/A
Loan Amount $5,000 - $40,000
Loan Term (Months) Up to 60 months
Number of Reviews 5

Credit Direct Review

Credit Direct is offered by Delmarva Funding LLC, a direct lender founded in 2012 and based in Rockville, MD. Credit Direct is available in 13 states across the USA.

Key Takeaways

  • Fast access to funds. In some cases, you can get your money within 1 business day*.
  • Prequalified rate. You can check your prequalified rate at Delmarva Funding LLC with a soft pull that will not affect your credit score.
  • No origination fee. Credit Direct does not charge a loan origination fee.

Credit Direct Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • Charges a late fee of up to $15.

Credit Direct FAQ

What interest rates and personal loan terms does Credit Direct offer?

Credit Direct has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Credit Direct offer?

Credit Direct offers a fixed APR personal loan product but they do not disclose their interest rates.

How much can you borrow via Credit Direct?

Business loan amounts start at $5,000 and go up to $40,000.

What is the maximum loan term you can get with Credit Direct?

Credit Direct offers loans with terms of up to 60 months.

Credit Direct Interest Rates & Loan Terms
Personal Loan Amount $5000 - $40000
Loan Term up to 60 months

What fees does Credit Direct charge?

Does Credit Direct charge an origination fee?

Credit Direct does not charge a personal loan origination fee.

A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Credit Direct charge a late fee?

No, Credit Direct will not charge you a late fee if you miss one of the monthly payments of up to $15, which is triggered if you're 15 days late.

Does Credit Direct charge prepayment fees?

No, Credit Direct does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Credit Direct Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee up to $15

What do you need to qualify for Credit Direct?

Applicants with a credit score of at least 580 and up to 850 may be eligible for Credit Direct. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Credit Direct does not have or does not disclose a minimum annual income eligibility requirement. Credit Direct only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Credit Direct. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Credit Direct. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
  • U.S. tax identification number
Credit Direct Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Credit Score 580 - 850

What is the estimated funding time for a personal loan via Credit Direct?

Credit Direct will typically approve (or deny) a loan application within 24 hours and fund loans within 3 business days of approval.

Does Credit Direct report your account activity to credit bureaus?

Yes, Credit Direct reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Delmarva Funding LLC a legit company?

Delmarva Funding LLC was founded in 2012, it is a well-established company with approximately 2 employees that has been in business for 10 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

Credit Direct Disclosure: See Lender website for current rates and terms.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


About Credit Direct


  Available in 13 states
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Florida
  • Indiana
  • Louisiana
  • Maryland
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • Texas
  • Virginia

Feature Breakdown

Late Fee Amount Up to $15
Late Fee Grace Period 15 days
No Origination Fee
No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Social Security Number
Credit Score Range 580 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 1 - 3 days
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $5,000 - $40,000
Loan Term Up to 60 months

Credit Direct Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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