Even though the answer varies from one person to the other, experts believe that borrowing from direct lenders is much easier. Getting a loan from a bank is quite a tiresome process. Besides the heavy, one has also to meet the strict credit requirements, which might be a problem for some borrowers. Also, the loan approval takes a longer time in banks. However, you can easily avoid such issues in direct lender payday loans and get a quick loan without strict paperwork or credit check!