If you need money now, you can approach direct lenders that are online or store based, as well as traditional lenders. However, the best option among all of them would be to approach a direct lender, and an online based one if you want to save the time and energy of going all the way to a store. That’s because direct lenders will most likely not ask you for a reason as to why you need a loan, which is not the case with traditional lenders. The term “I need money fast” also indicates that you need funds urgently, which you will be able to receive from online lenders without going through paperwork and credit checks while being served with instant approvals and transfers within 24 hours, thus saving a lot of time.