People have different reasons on why they want to deal with direct payday lenders only but of course the most common reason is that they are cheaper and you can never get lower interest rates than what they offer and I can say that this is true. I have borrowed money from payday loans but the interest rates were quite expensive and I really regret those times that I didn't know much about loans but now that I know that direct lenders gives the best deal I am never going back to payday loans. The only thing I can do to help other people is to tell them that it will always be a good experience to deal with direct payday lenders only and that if they know anyone who wants to borrow money they should recommend direct lenders instead of those typical loans they are used to. I just want to help other people by giving useful advice.