Your credit score doesn't define your whole story. We look at the full picture to help you qualify.
✓ Prequalifying uses a soft credit check — it won't affect your credit score.
Prequalification does not guarantee final loan approval. Final approval is subject to verification of eligibility and completion of all required enrollment steps, which may vary based on your selected repayment method.
Start with just your email — no hard credit pull to prequalify.
10,000+ Texans have started their application with us
🔒 Your information is secure and protected
Get your loan in three simple steps
See if you qualify quickly and securely
Know where you stand in minutes — no waiting, no guessing.
Get funds deposited in your account as soon as the next business day.
Will applying hurt my credit score?
No. Starting your application uses a soft credit check that has no impact on your credit score.
What credit score do I need?
We don't have a minimum credit score requirement to apply. We consider your full financial picture — not just your score. All credit types are welcome.
I was declined elsewhere — can I still apply?
Yes. Being declined by another lender doesn't disqualify you here. Every application is evaluated individually based on your current situation.
Is Cash Loans Direct a real, licensed company?
Yes. Cash Loans Direct is a state-licensed Credit Access Business (CAB) in Texas, regulated by the Office of Consumer Credit Commissioner (OCCC). We're not a lead generator — we're a licensed Credit Access Business that arranges and services your loan.
Texans with all types of credit have trusted Cash Loans Direct. We consider more than just your score.
Get Started →Cash Loans Direct is not a lender in Texas. Instead, we work with other lenders. This means we help connect customers with direct lenders who can give them safe and secure loans. Cash Loans Direct is licensed in the State of Texas as a Credit Access Business (CAB).
If you get approved for a loan, Cash Loans Direct will help you with the paperwork and manage your loan. You will still need to pay back the lender, but Cash Loans Direct will be the main company you talk to if you have questions, problems, or need to make payments.
Consumer Disclosures
Fee Schedule
Texas Installment Loan Fee ScheduleLicense/Registration
Cash Loans Direct is a state-licensed credit access business (CAB) and maintains a partnership(s) with a third party direct lender(s) to facilitate safe and secure loans for our customers. Cash Loans Direct is not a lender in the state of Texas. All loans are made by an unaffiliated third-party lender R-Funding LLC.
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: 800-538-1579. Fax: 512-936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.