Being up to date with finances and money and knowing how everything works is a necessity of life these days. No one wants to spend a lifetime in debt, taking out one loan after another, just to make ends meet. Direct Loans Lenders is a promoter of responsible financial habits and financial literacy. We strive to provide the basics on personal loans, money savings, and the meaning of your credit score.

General Loan Information

Online Loans – Complete guide on APR, fees, penalties, interest, charges.

Do you know how to calculate the APR for payday loans? What about the fees associated with installment loans? What credit score do borrowers need to qualify for a low APR personal loan? Learn more in our complete guide on APR, fees, and charges for online unsecured loans.

The A-to-Z guide on payment options for payday loans.

A Full Payment for a loan is the best option! Is there any alternative if the borrower can’t pay off a loan on time? Here’s where you can get answers to these questions and more.

Don’t have money to repay a payday loan? What about an Extended Payment Plan?

An Extended Payment Plan allows the borrower to pay back the loan in smaller parts over a longer period. Consumers may request an EPP on the last business day before the loan’s final due date. Find out more!

The Do’s and Don’ts when borrowing money.

The number of loan offers available on the market can be confusing. What are the main rules to follow when borrowing money?

Consumers Safety

What is responsible lending?

Find out the basics of responsible lending. Learn how to become a responsible borrower and make your life easier.

What is responsible borrowing?

A discussion of how borrowers can act tresponsibly and prevent most of the downfalls related to borrowing money.

Did you face illegal actions from a lender? Submit a complaint!

Find out where you can complain about fraud, hidden penalties, deception or lender threats. Submit a claim and take legal action now!

What is predatory lending? How to spot dishonest lenders?

The term “Predatory Lending” is popular these days, but what does the term mean? We explain how to protect yourself from shady lenders, abusive loans and other deceptive actions.

What is irresponsible financial behavior?

Which types of actions can lead you to bankruptcy court? Click here and learn all about Irresponsible financial behavior. The more you know, the easier it is to avoid the pitfalls.

Why don’t careless borrowers care about their finances?

Do you spend more than you earn and always exceed your monthly budget? It is never too late to stop and change your spending habits.

How to protect yourself from debt collector harassment.

Borrowing money is always a risky thing when you are no sure about how you will be repaying back the loan. But even so, nobody should accept harassing actions on behalf of a debt collector. Find out how you can protect yourself!

Credit Tips

How to order a free credit report

Did you know you can request your credit report for free once every 12 months? Doing so will not harm your credit score in any way! Here is a concise tutorial on how to get your free credit report!

How to find mistakes and fix them on your credit report

Credit reports are an important aspect to any review of your financial situation. However, what can you do if there are mistakes in it? DLL will help you through the process with this step-by-step tutorial.

Best 7 ways to pay off any loan faster

Does being indebted to various banks and lenders scare you? If so, we offer you seven great methods to pay off any loan twice as fast.

Short term small loans vs. Long-term personal loans

Should you choose a short-term or a long-term loan? Which is more appropriate for your own needs and what are the differences between them?

How to boost your credit score in 10 simple steps

Are you sick and tired of getting bad credit loan offers and want to start borrowing money under better conditions? Then give your credit score a boost by following these ten precious suggestions from our experts!

Payday loans alternatives. The best ways to save money!

Sometimes you may find yourself needing money quickly, and the only solution seems to be a payday loan. DirectLoansLenders’ experts have prepared a list of the best alternatives to payday loans!

Useful Resources

Useful links

A list of government and non-profit organizations websites selected by our experts.

Glossary of Loan Terminology

There are different types of loans available and many people are confused by the terminology and meaning of many of them. That is why we have provided you with a simplified guide to the most common loans available.

DirectLoansLenders Scholarship

Because we want to make the world a better place and we want to make everyone more financially literate, DLL is offering a $500 scholarship to full-time and part-time students. Click here for details on how to enter. No purchase is required for entry and there are no fees to enter.