Through its registered business name, Credit Direct, Delmarva Funding LLC provides a wide range of financial assistance to its clients. As a lender, Delmarva Funding also works with a network of other lenders to provide affordable lending options for people who are in need. is the company’s website where its services are advertised.

Credit Direct Overview


Personal loans may be required for some reasons. You may be interested in consolidating your debt, making home improvements, or simply having some extra cash. No matter what your reason may be, there are many lenders available. How can you determine which one is right for you? One option that has recently gained a lot of attention is Credit Direct. Is this lender a good fit for you? Here is a closer look.

We discovered some interesting things after digging around on their website and terms and conditions. Some of the things that caught our attention are listed below.

  • APRs range from 4.99% to 29.99%.
  • There is a range of loan amounts between $1,000 and $40,000.
  • Administration fees are not charged.
  • There are 12 to 60-month repayment terms for loans.
  • Private loans are available through Credit Direct. 
  • Service, benefit, rate, and term changes are subject to change at any time.

Credit Direct: What Is It?

The Credit Direct loan program is offered by Delmarva Funding LLC, a direct lender established in 2012 that provides loans in 13 states throughout the country. You can reach the company’s headquarters at (888) 730-9988, which is located in Rockville, Maryland.

Undoubtedly, Credit Direct takes pride in its A+ rating from the Better Business Bureau. It has been accredited by the Better Business Bureau since 2016 and has received an average of 40 reviews from customers. In the last three years, they have also closed one complaint against them.

How does Credit Direct work?

With CreditsDirect, you can apply for unsecured loans without affecting your credit score. You can compare personalized offers in just a few minutes by filling out their simple online form.

It typically takes 48 to 72 hours for your approved and completed application to be processed and for the funds to become available in your bank account via direct deposit. Other options for receiving the funds are available, though direct deposit is the most common.

How to qualify for Credit Direct?

Credit Direct does not require a minimum credit score to apply for a loan. You have a better chance of being approved if they consider other factors that indicate your ability to repay the loan.

A social security number is required to apply. Tax IDs are not accepted at this time.

After accepting a pre-qualified loan offer, you’ll need to have a few things on hand to complete your application and accept the loan. To get started, you’ll need the following:

  • Two months’ worth of bank statements (all pages)
  • A month’s worth of pay stubs
  • The most recent W2 you have received
  • Bring a copy of your government-issued identification (such as your driver’s license or passport)

Credit Direct BBB Reviews

As an A+ rated company with the BBB, Credit Direct takes great pride in its reputation. The company has been accredited since 2016 and has an average of 40 customer reviews on its website. Furthermore, in the last three years, it has been able to close one complaint.

Credit Direct FAQs


How much does Credit Direct charge?

It is possible to get a fixed interest rate with Credit Direct that starts as low as 4.99% APR and as high as 29.99% APR. There is a wide range of repayment terms for loans, ranging from 12 months up to 60 months. Various loan amounts can be obtained, ranging from $1,000 to $40,000. Moreover, there are no administration fees associated with this service.

Are there any pre-payment penalties?

If you would like to pay off your loan more quickly than originally planned, Credit Direct does not charge any prepayment penalties if you choose to do so.

How does Credit Direct affect your credit?

Whenever you’re considering taking out a loan, the lender will pull your credit report to give you an idea of how much interest rate and terms you’ll qualify for based on your credit score. Your credit score won’t be affected by this.

If you decide to proceed with the loan application, the bank will need to do a hard credit inquiry to collect a complete picture of your credit history to provide you with your final interest rate. When you apply for a loan, hard questions will lower your credit score, which is a common occurrence when applying for credit.

How to cancel Credit Direct?

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You must be entirely sure of your decision to take a personal loan before applying. Once the loan amount is deposited into your account, it cannot be undone or reversed. Therefore, it is essential to consider all factors with great care before applying for a personal loan to avoid making any changes or cancellations.

Having trouble making ends meet? Take a look at these tips for getting back on track.

  • Maintaining a budget is an important part of staying on track.
  • You can speak with a financial advisor to understand your options and create a plan that fits your unique situation.
  • Finally, if you are already in debt, you do not need to worry too much. It is common for companies to work with their customers to develop an affordable payment plan. For more information, don’t hesitate to get in touch with their customer service department.
Credit Direct Review
  • Credit Direct


Credit Direct was founded in 2012, making it a well-established company that’s been around for 10 years. They have a small team of around 2 people. Even though they’re pretty experienced, we don’t have enough customer reviews to give a reliable rating of their user experience or customer service.

When considering taking out a loan, it is important to explore all options and compare rates. Reading customer reviews can do this to understand which option may be best. It is also important to make sure that loan payments can be afforded before making a decision, as this can help avoid financial trouble.

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