Credit Direct Review

BySally HerigstadFeb. 26, 2021

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In a Nutshell

Credit Direct is a lending platform that allows you to quickly apply for a personal loan online, without leaving home or waiting for days or weeks for approval. Unlike aggregator sites that only connect you to multiple lenders, Credit Direct offers loans through their company, as well as through trusted network partners.


  • Both a direct lender and a marketplace
  • No fees charged besides interest paid
  • Checking rates will not affect your credit score


  • Maximum personal loan of $40,000
  • Must enter personal information to pre-qualify for a loan

Credit Direct at a Glance

Direct lender or marketplace? Both
Loan types Personal loans
Loan amount $1,000 to $40,000
Repayment terms 12 - 60 months
APR 4.99% - 29.99%

Best for

Finding your best deal

Credit Direct Credit Direct Visit Credit Direct

Best For?

Credit Direct Loans appeal to people who want to borrow money for any reason, but don’t want to borrow against their home, car, or other assets.

Credit Direct’s fast, simple online application process is good for borrowers who don’t want to meet face-to-face with a lender or apply online.

Borrowers who are still building a credit score may consider Credit Direct, because they consider more than a credit score (such as a consistent income) when borrowers apply for a loan. This increases your chances of being approved.

Range of Personal Loans 

Whether you need to consolidate credit card debt, plan a wedding, remodel your kitchen, or borrow money for almost any other reason, you may qualify for a personal loan from Credit Direct. 

Credit Direct loans offer these features:

  • Personal loans available with no collateral
  • Rates competitive with other personal loan lenders
  • Loan terms from 12 - 60 months, depending on the size of the loan and other factors
  • Personal loans ranging from $1,000 to $40,000

Application Process & Requirements

To compare personal loan rates from Credit Direct and its network partners and apply for a loan, follow these steps:

  1. Click Apply Now on the Credit Direct personal loans website.
  2. Use the slider tool to select up to $40,000, and then fill out the short web form. 
  3. Within minutes, you can review offers from Credit Direct and network partners. 
  4. Choose a personal loan, and e-sign.
  5. Receive funds directly in your bank account.

APRs, Loan Amounts & Repayment Terms

Credit Direct offers personal loans from $1,000 to $40,000. The loan length may be from 12 to 60 months, depending on your financial situation and how much you borrow. Interest rates start at 4.99% and go up to 29.99%. 

The better your credit score and financial picture, the more money you can borrow, and the less interest expense you will pay.

Personal loans generally carry higher interest rates than secured loans, such as home equity loans or car loans. However, they are a far better deal than payday loans, which can charge an APR several times as high. 

Credit Direct does not charge any fees other than interest paid on the loan. Your monthly payment does not change over the life of the loan, and there is no penalty for paying off the loan early.

Privacy & Security

Credit Direct is a certified, trusted source for personal loans. Your sensitive information, such as bank data, is encrypted and transmitted to Credit Direct in a secure way. 

Credit Direct is an Accredited Member of the Better Business Bureau, with an A+ rating.

According to the company, they do not sell your information to lenders outside their partner network.

Help & Support

The Credit Direct call center is available 24/7, as is the chat feature within the website. Their business hours are 9:00 am to 6:00 pm ET Monday through Thursday, and 9:00 am to 5:00 pm ET Friday. 

Contact Credit Direct through one of these options:

  • Use the pop-up chat feature online.
  • Fill out the online contact form.
  • Call 866-414-4198. 
  • Email

How Credit Direct Compares

Credit Direct
4.99% - 29.99%
3.49% - 35.99
Min. credit score
Loan amounts
$1,000 - $40,000$500 - $100,000
Loan term
12 - 60 months12 - 144 months
Best for
Comparing multiple loansComparing multiple loans

Credit Direct differs from other loan comparison sites by offering loans directly through the company, as well as through its network partners. Its interest rates are competitive, with a lower upper limit to its APR than its competitors. Credit Direct loan limits are lower than its competitors, with a maximum personal loan limit of $40,000. 

Credit Direct looks at more than your credit score to make a lending decision, increasing your chances of qualifying for a loan. 


Q. What is a personal loan?

A. Personal loans are shorter-term loans generally not backed by collateral such as a car or house. You receive a lump sum and make fixed, regular payments.

Q. What is the business name of Credit Direct?

A. Delmarva Funding LLC does business as Credit Direct.

Q. How does Credit Direct make money?

A. Credit Direct earns interest on its direct loans, and charges a fee to its network partners. It does not charge you any fees to get a loan.

Q. What states are served by Credit Direct?

A. The Credit Direct service area includes Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Maryland, Michigan, Missouri, North Carolina, Oklahoma, Pennsylvania, Texas, and Virginia.


Credit Direct offers personal loans directly through their company, or through trusted lenders. By looking at more than your credit score when you apply for a loan, Credit Direct increases your chances of qualifying for a loan. You can apply for a loan at Credit Direct and be pre-qualified for a loan in minutes.

Physical Address

9210 Corporate Boulevard, Suite 130

Rockville, MD 20850

United States

Credit Direct Credit Direct Visit Credit Direct

Credit Direct customer testimonials

ExcellentReviews 119
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    raymase Mason
    Apr 15, 2021
    Fast and exceptional service

    The service provided was excellent and done with a high level of speed and professionalism. Without any iota of doubt I will always recommend credit direct to anybody looking for a loan


  • author
    R J
    Apr 13, 2021
    Very smooth and easy process

    Very smooth and easy process, he was very helpful. Definitely my hero right now.


  • author
    Harsh Brahmbhatt
    Mar 30, 2021
    I defiantly recommend credit direct for…

    I defiantly recommend credit direct for loan.Got Best service kyle.


  • author
    Tony Vazquez
    Mar 30, 2021
    My experience with NetCredit was…

    My experience with NetCredit was amazingly easy. Doug Barker walked me through the process every step of the way. I got approved. I had so many question and Doug was there to answer them in a very timely way. Thank you Doug


  • author
    Karin Vandermark
    Mar 29, 2021
    You guys were AWESOME

    You guys were AWESOME. I got my loan in a couple of days. Everything was great. I highly recommend you for a job well done ✅. Thanks again for all your help.


Credit Direct