A direct lender in Massachusetts is a lender that offers loans directly. They do no refer you to other loan services or match you with loan providers, they directly take your information and give you the loan. When you apply to any of the sites below, you are working directly with them and no one else. They are direct lenders that will have loans available directly to you. Make sure to view all loan options from direct lenders, know how much you need, how much you can afford during payback periods, and if the terms work for you. Payday loans are extremely high APR cash advances and you should only use a direct lender of these loans in case of emergency.