Credit Direct

Credit Direct

in Personal Loans from Delmarva Funding LLC


Credit Direct


in Personal Loans from Delmarva Funding LLC

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Loan Amount $1,000 - $40,000
APR  (Fixed APR) N/A
Loan Term 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 offered in 16 states across the USA.

What rates and terms does Credit Direct offer?

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

What personal loan APRs 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 charges 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 charges additional fees to borrowers who pay off their loans soon 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.

Only U.S. citizens and permanent residents can apply for a loan.

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 score.

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  • Headquarters
    Rockville, MD 20850
  •   Visit Site

About Credit Direct


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 16 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Florida
  • Indiana
  • Iowa
  • Louisiana
  • Maryland
  • Michigan
  • Missouri
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • Texas
  • Virginia

Feature Breakdown

Minimum Age 18
Credit Score Range 580 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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)
Funding Time Range (in days) 1 - 3
Approval Speed (Hours) 24
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Loan Amount $1K - $40K
Loan Term Up to 60

Credit Direct Community Reviews


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