It is surprising that many consumers do not consider direct lenders for a cash loan. They assume that direct lenders must be more expensive in their loan offerings but nothing can be further from the truth. It could be the direct lenders' deals seem more expensive compared to the cheap loan deals that are offered by unscrupulous lenders but these are safer deals. However, there are good loan deals that are cheap from direct lenders sometimes. It can be a discount or promotional offering with the same security and benefits of a normal loan deal. This is a better loan choice than to accept the cheap loan deals from indirect lenders. The smart consumer must check out the credentials of the lender before transacting any loan deals. There may be hidden charges with unscrupulous lenders whereas direct lenders are obliged by the state law to conduct loan deals professionally in compliance to the lending legislature.