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Make sure you can afford your loan = ÂŁ1.65 [link widoczny dla zalogowanych] Payday Direct is a large company offering online payday loans and direct installment loans to consumers in 44 states. Payday Direct claims to have an online approval process that takes less than five minutes to complete. You must have an active checking account, be a US citizen thats at least 21 years old and have a monthly income of at least $1000 a month to be approved for a direct payday loan. Payday Direct is a longtime member of the Online Lending Alliance. They work with consumers in all states EXCEPT . Arizona, New York, Oregon, Pennsylvania, Virginia and West Virginia. On the other hand, if you delay collecting benefits, you will receive an 8% credit for every year beyond your normal retirement age until you reach 70, when your maximum benefit will be 132% of what you would have received at age 66. In this example, you would receive about $2,100 a month at 70 -- a $900 difference.

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