If you apply to a site that is not a direct creditor, you may be confused about who to contact. With direct lenders, all questions and loan requests are handled by a single company. You don’t have to look for contact information on multiple sites.
The biggest advantage of direct lender loans should be the speed of lending services. For example, a traditional mortgage broker may take weeks (or a month or more) to hold a roundtable discussion with a loan officer. Then the whole process begins, jumping from one desk to the next, going back and forth between different intermediaries and managers, and finally back to the loan applicant.
Also remember the flexibility that these types of lenders offer. Traditional lenders are risk-averse and timid when lending money to different types of individuals, especially those with incomplete credit histories.