Getting a payday loan which doesn't offer direct deposit means that your wait time will be much longer. For some of us who have an immediate need to resolve a cash flow problem, waiting isn't an option. The direct deposit option means that you will, in most cases, have your cash in your checking account within 24 hours of your application.
Those online payday loans who do not offer direct deposit to your checking account may require that a check be sent to your account, that you receive a Western Union-type sending, or that you take a check in the mail. What that means is that you might wait several days to receive your funding. If you applied for your loan because you needed the money in an immediate way, the waiting process may not be something that you have time for.
Applying for an online payday loan which offers you direct deposit keeps your funds quickly accomplished. Getting a direct deposit payday loan will usually get you the funds into your account and into your hand rapidly. Finding those companies that offer direct deposit loans will help you to get the money that you need when you need it.