There are many benefits of a direct lender:
Fair lending rate: banks may charge a higher lending rate if you have a bad credit history, but it does not matter in this loan.
Simple approval: banks may refuse you for different reasons, but that’s not the case with this type of loan.
Easy to get: you only need to fill out an application and provide a minimum set of documents.
Fast approval: since there are no strong formalities, you can get the money much faster. You can spend quick money on different areas, like paying for education or treatment.