I am sure you know what online is. Pay day online means you take application over the internet. Direct payday lenders means you are dealing a direct payday lender without any broker included. So, you will obtain fast cash on a very short time.
Usually you have to take a long time to wait the approval of your loan. It would be very annoying and worrisome. But when you take a payday loan instant approval, you just need to count the hours. You do not need to wait until the next day. For this reason, people prefer payday loan instant approval. They want to know whether they have accepted or denied quickly.