I always prefer short-term payday loans over conventional borrowing. While it takes me a few minutes to get the loan amount in my bank account on the same day of application, conventional borrowing takes two to three days for approving my application only let alone the loan disbursement. As I find it difficult to choose between different kinds of direct lenders available, I prefer going for loan agencies who match the most suitable lender for me. Paydays Lead is my preferred loan agency. They have managed me to get some payday loan from any of their 29 affiliated direct lenders every time I have applied. I do not know if I would get a better offer from someone else but I was still happy as it served my purpose.