Many small to medium cash loans are made through the many direct payday lenders in the market. These are fast cash short term loans which are made available to the working consumers who would be able to repay the loan through their salaries.

It is up to the direct payday lenders to review the payday loan application of the working consumers before approving or rejecting the loan request regardless of the loan amount requested. Some very bad creditors are high risk borrowers who would find much difficulty in securing these small loans as they have a bad credit score. They are not held in high esteem by most money lenders who are wary of their repayment capability.
Hence, direct payday lenders has the complete power to offer any loan to any working consumer depending on the consumer's financial background and stability, credit score and reputation. No money lender wants to perform a losing loan business.
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