Credit Direct

Credit Direct

in Personal Loans from Delmarva Funding LLC


Credit Direct


in Personal Loans from Delmarva Funding LLC

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APR  (Fixed APR) N/A
Loan Amount $1,000 - $40,000
Loan Term (Months) Up to 60 months

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 16 states across the USA.

Key Takeaways
  • APRs.
  • Fast access to cash. In some cases you can get your money within 1 business day.
  • Fair credit accepted. The credit score needed for Credit Direct is relatively low. Borrowers with a credit score as low as 580 may qualify for Credit Direct.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Credit Direct without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Credit Direct early.
Credit Direct Pros & Cons
Pros Cons
  • Considers applicants with poor credit.
  • Fast funding.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
  • No co-sign option.
Credit Direct FAQ

What rates and terms does Credit Direct offer?

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

What APR rate does Credit Direct offer?

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

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Credit Direct?

Loan amounts start at $1,000 and go up to $40,000

What can a personal loan from Credit Direct be used for?

Personal loans from Credit Direct are typically used for special purchases or similar purposes.

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

Credit Direct offers personal loans with a maximum term of 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Credit Direct Rates & Terms
Loan Amount $1000 - $40000
Loan Term up to 60 months

What fees does Credit Direct charge?

Does Credit Direct charge an origination fee?

Credit Direct may charge a loan origination fee.

Does Credit Direct charge a late fee?

Yes, Credit Direct may charge borrowers a late payment fee.

Does Credit Direct charge prepayment fees?

Yes, Credit Direct may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

Credit Direct Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

What do you need to qualify for Credit Direct?

Applicants with a credit score of at least 580 and up to 850 are 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
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 personal loans within 3 business days of approval.

Does Credit Direct report your account activity to credit bureaus?

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 can help improve your credit.

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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.


  • Headquarters
    Rockville, MD 20850
  •   Visit Site

About Credit Direct


  Available in 16 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Florida
  • Indiana
  • Iowa
  • Louisiana
  • Maryland
  • Michigan
  • Missouri
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • Texas
  • Virginia

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Social Security Number
  • U.S. Tax Identification Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 580 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Funding Time Range 1 - 3 days
Loan Amount $1,000 - $40,000
Loan Term Up to 60 months

Credit Direct Community Reviews


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