Private lending, plainly done
Every loan starts as a line in a ledger.We keep ours honest.
Loan Direct underwrites personal, secured, and bridge loans with rates you can see up front and a decision you'll have by tomorrow.
A picture for every loan type
$0M+
Funded to date
0 hrs
Avg. decision time
0 / 5
Borrower rating
Application approved
Your personal loan is ready to sign — tap to review terms.
Rate alert
Secured loan rates dropped to 6.6% today.
Document received
We got your ID upload. Thanks!
Your whole application, from your pocket.
You don't need to sit at a desk to borrow money. Start on your phone, snap a photo of your ID, and get a text the moment a real person picks up your file.
Apply from any phone
The whole application, calculator, and document upload work in a mobile browser — no app required.
Text updates, not silence
We'll text you when your file moves — no logging into a portal to check.
Snap your ID, done
Use your camera roll to upload a driver's license or passport photo in seconds.
Funding volume, trailing 12 months
Three ways to borrow
Personal loans
Fixed-rate funding for debt consolidation, repairs, or life's bigger moments.
"Fixed the car, kept the paycheck." — Marcus H.
Secured loans
Borrow against an asset you own for a lower rate and larger amount.
"Lower rate, less stress." — real borrower feedback
Bridge loans
Short-term capital that moves as fast as your timeline does.
"Didn't lose the house." — Aisha K.
Not just numbers on a rate sheet
"My car needed a transmission the same week rent was due. I applied on my lunch break and had an answer before I clocked back in. Didn't feel like begging a bank for anything."
Marcus H.
"We were three days from losing our closing date. Loan Direct got the bridge loan funded fast enough that we didn't lose the house. I actually spoke to a person named Dana, not a script."
Aisha K.
"Took a small business loan to get through a slow winter at my shop. The paperwork was honestly the easiest part of that whole month. Would do it again."
Grace T.
Ready to see your rate?
No hard credit pull to check your options. Most applicants hear back the same day.