Credit Direct Review: Is It Legit Or A Scam? Find Out Here!

Credit Direct

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By using its registered D/B/A, Credit Direct, Delmarva Funding LLC can offer its customers a wide variety of financial assistance. It is also important to note that Delmarva Funding works with a network of other lenders to provide affordable options to those in need of financial aid. On its website,, the company advertises its services and products.


Credit Direct Review: Is It Legit Or A Scam? Find Out Here! 1


Personal loans may be necessary for a variety of reasons. Consolidating your debt, making home improvements, or simply having extra cash on hand may interest you. Many lenders are available to meet your needs, regardless of your reason. How do you determine which one is best for you? In recent months, Credit Direct has received a great deal of attention. However, is this lender the right choice for you? Let’s take a closer look so you can make an informed decision.

After digging around, we found some interesting information about their website and terms and conditions. These are some of the things that caught our attention.

  • The interest rate ranges from 4.99% APR to 29.99% APR.
  • You can borrow between $1,000 and $40,000.
  • Administration fees are not charged.
  • There is a range of repayment terms from 12 to 60 months for loans.
  •  Private loans are available through Credit Direct. 
  • In the event of a change in services, benefits, rates, or terms, the company reserves the right to make changes without prior notice.

Credit Direct: What is It?

In 2012, Delmarva Funding LLC, a US-based direct lender, founded Credit Direct as a direct lender that offers loans in 13 states across the country. Located in Rockville, MD, the company’s headquarters can be reached at (888) 730-9988.

Credit Direct prides itself on its A+ rating from the Better Business Bureau. Averaging 40 customer reviews, they have been accredited since 2016. Also, in the past 3 years, they have closed one complaint.

How Does This Company work?

With CreditsDirect, you can apply for unsecured loans without affecting your credit score. By filling out their simple online form, you can compare personalized offers in no time.

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After your application has been approved and completed, you should receive your funds within 48 to 72 hours. The most common method of receiving funds is direct deposit into your bank account, though there are other options.

How To Qualify For Credit Direct

Credit Direct Review: Is It Legit Or A Scam? Find Out Here! 2

You do not need a minimum credit score to apply for a loan with Credit Direct. They consider other factors that demonstrate your ability to repay the loan, which increases your chances of approval.

You must have a social security number to apply. Currently, a tax ID cannot be accepted.

To complete your application and accept your pre-qualified loan offer, you will need to have a few items on hand. The following are the minimum requirements:

  • Bank statements for two months (all pages)
  • Pay stubs for 1 month
  • The most recent W2 you have received
  • A government-issued identification card (such as a driver’s license or passport)

BBB Reviews

The BBB has awarded Credit Direct an A+ rating. The company has been accredited since 2016 and has received an average of 40 customer reviews. Additionally, it has closed one complaint in the past three years.

Here are some reviews:

Fabian L 10/27/2022

I’ve been working with Credit Direct for about 3 weeks now and it had been absolutely challenging. For starters, when requesting documentation they use Google Drive and when they ask for multiple documents it does not allow them to add additional attachments to the same section. Proceeding that if there is a request from Credit Direct, I have not received a call regarding what it was regarding. The phone number provided to me was practically non-existent as well. After 10 attempts at different times throughout the day, I would not able to reach anyone. The process should have been simple and yet it has been frustrating. This would be my last working with a company that manages this way.

Jon W 09/03/2022

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Doug was easy to work with and very informative. He was responsive and followed up.

Mark B 05/26/2021

Literally. No one ever answers the phone. Does it always go to? Doug’s desk? yet I’ve gotten voicemails and emails from like 4 different dudes all with the same number. When I answer the phone they hang up. So I dunno. It seems like they build you up thinking you have offers only to get let down.

Credit Direct FAQs

How Much Does It Charge?

With Credit Direct, you can get fixed interest rates as low as 4.99% APR up to 29.99% APR. From 12 months to 60 months, loan repayment terms are available. The loan amount can range from $1,000 to $40,000. In addition, there are no administrative fees.

Is There Any Pre-Payment Penalty?

If you choose to pay off your loan earlier than originally scheduled, there will be no prepayment penalty at Credit Direct.

How Does This Company Affect Your Credit?

To give you an idea of the interest rates and terms you might qualify for, lenders usually perform a soft credit pull when you are considering taking out a loan. Your credit score will not be affected by this.

But if you’ll need to make a hard credit inquiry once you’ve decided to proceed with the loan application to get a full picture of your credit history. These hard inquiries will lower your credit score when you apply for a loan.

How To Cancel Credit Direct?

You should be sure of your decision before applying for a personal loan. It is impossible to reverse or cancel a loan once it has been credited to your account. Therefore, it is essential to consider all factors before applying for a personal loan. By doing so, we can avoid any cancellations or changes in the future.

Do you find it difficult to make ends meet? Here are some tips to help you get back on track.

  • You can keep on track by creating and following a budget.
  • Financial advisors can help you determine your options and develop a plan based on your situation.
  • Last but not least, don’t worry too much if you are already in debt. Most companies are willing to work with customers to create a more manageable payment plan. To get more information, you can contact their customer service team.

Credit Direct: Is it a Scam or Legit?

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Founded in 2012, Credit Direct is a financial services company. Since the company was founded ten years ago, it has employed approximately two employees. Even though this company is well established, we do not have enough customer reviews to provide a reliable assessment of their customer service or user experience.

It is important to keep a few things in mind before taking out a loan. The first thing you should do is explore all of your options and compare rates. It is beneficial to read customer reviews before making a decision. Second, ensure that you have the financial ability to make the loan payments before making a decision. In this way, you will be able to avoid any financial difficulties in the future.

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