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Online lender offering offering direct payday loans and direct installment loans throughout the country. Theyâre currently processing loans entirely online, no faxing or credit check is necessary. Assuming you qualify for a direct payday loan, youll have the option of next day cash or same day bank wire if available. Once you get estimates for both you and, if applicable, your spouse, there are other online tools that compare your benefits under various scenarios to help you determine the best claiming strategy. Consider AARPâs Social Security Benefits Calculator or Analyze Nowâs âStrategic Social Security Planner.â Pre-screened lenders