Have you ever had one of those months when everything seems to go wrong at once? A chipped tooth requires a costly visit to the dentist the day after you were slapped with a parking ticket, which was only a few days after you realized you went over you phone’s data and have to pay a penalty. And on top of it all, you still have your monthly payments for rent, utilities, and other essentials. When an unlucky streak such as this demands payment, sometimes even the most prepared person doesn’t have the savings available to cover all of their responsibilities.

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Break your unlucky streak by contacting a direct online lender. They realize that sometimes, despite your best efforts, you can come up short at the end of the month; life can hand you lemons and throw out any budget. That’s why they offer small dollar loans with flexible terms to help out when times get a little tight. Even if you don’t have a perfect credit rating, direct online lenders will consider your application.

Bills have strict due dates, which is why direct online lenders build their practice around speed and convenience. Their goal is to eliminate the complicated bureaucratic process that so many individuals encounter when trying to attain a loan. By offering their loans to customers through a secure online platform, direct online lenders have removed the frustrating red tape that can delay or even prevent you from receiving the money you need.

You will receive the exact loan that you need for your specific situation when you contact a reputable online lender. With a simple online application, they will fast-track your request so that you can be approved within 20 minutes. From there, you can be advanced up to $500 in loans or $1,000 in a line of credit. And how and when you repay your loan will be tailored to your situation. Single-Pay loans have a short repayment period and are available to those who can repay the entire loan in one lump sum within a couple of weeks, or whenever your next paycheck is deposited. If this isn’t an option for you, flex-pay installment loans allow you to repay your loan throughinstallment payments over a longer period of time.

To get the loan that fits your situation, there aren’t too many requirements. You must be a US citizen of at least 18 years of age with an active banking account and a verifiable source of income. An email address is vital, as this is how online lenders will communicate with their customers. You must also be willing to search out the best direct online lender in your state

If you live in Virginia, Maryland, Delaware, Kansas, Ohio, Illinois, South Dakota, Utah, Texas or Missouri, then MoneyKey is the best choice for loans as they work according to each of these states’ laws and regulations regarding lending. MoneyKey offers personal short-term loans with state-sanctioned rates and terms that encourage responsible borrowing habits. Should you wonder if a flex-pay installment loan or a personal line of credit is more appropriate for your needs, MoneyKey has dedicated representatives who can answer any of your questions. Being an online lending company, their goal is simplification. They don’t want you frustrated over confusing terms or long waiting times any more than you do.

If you’re experiencing the month from hell, don’t waste your time with other lenders. Turn to a direct online lender who you can trust to match you with a small dollar loan when you need it most. With quick access to cash and clear, manageable repayment plans, you’ll pay off your debts and get back to normal in no time.