How to get a payday loan on a debit card | No bank account required
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Get a payday loan on a prepaid debit card

Borrow money and have it loaded onto a debit card, not your bank account.

Sometimes it’s the little things that prevent you from getting a leg up in a financial emergency. When you’re looking for a little cash to bridge the gap between paydays, not having a valid bank account for direct deposit could prevent you from getting a loan.

But that trend is changing. Today, you’ll find short-term lenders combining access to fast cash with the convenience of a prepaid debit card. These debit cards are typically branded with Visa or Mastercard, offering the flexibility to pay bills or swipe for necessities at retailers nationwide.

Here’s what to know about prepaid debit cards that can help you access your loan funds without a bank account or strong credit.

Borrow up to $5,000 from Cash Central and have your funds loaded on a Green Dot® prepaid card.

Cash Central Payday Loan

Our pick for debit card loans: Cash Central

Apply online to borrow from $300 to $5,000 with fast turnaround.

  • Minimum loan: $300
  • Loan term: Varies by state
  • Turnaround: 1–2 business days
  • State availability: AL, AK, CA, CT, DE, FL, HI, ID, KS, LA, MD, MN, MS, MO, NV, NM, ND, OH, OK, RI, SC, TN, TX, UT, WA, WY
  • Must be 18+ (19+ in Alabama)
  • No security deposit needed
  • Confidential and secure

    How does a prepaid debit card loan work?

    With a prepaid debit card loan, you apply for your short-term loan either online or in a store. If you’re approved, your lender transfers your approved funds into an eligible loan account. It then registers a prepaid debit card with that account, either handing it to you in person or mailing it to your home.

    You’ll typically need to register the card in your name, either in person, by phone or online. Because most prepaid cards are either Visa or Mastercard, you can then begin using your card as you would any other type of credit card. Use it at retailers, utilities or even ATMs to withdraw your cash — wherever and whenever you need it.

    Can I reuse the prepaid card for another loan?

    Yes. If you need a loan in the future, you’re often able to receive your funds on the same card for a fee, sometimes even with a different lender.

    And you’re not limited to receiving only payday loans to your debit card. You can often set it up to receive direct deposits, providing quick access to your paycheck, government benefits or tax refunds.

    Compare more short-term loan options

    Rates last updated February 26th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Cash Central Payday Loan
    Offers cash loans deposited directly into your checking account or onto an eligible prepaid debit card.
    $5,000
    Varies by state
    1–2 business days
    Must be 18+ years old and have a Social Security number, verifiable income, valid checking account and current phone number.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    Speedy Cash Short-term Loans
    Get a short-term loan online, in-store or via phone. Approved funds can be loaded onto an Opt+® Visa® prepaid debit card, subject to state availability.
    $5,000
    Varies by state
    As soon as next business day
    Must be 18+ years old and have valid ID, proof of steady income, an open checking account and working phone number.

    Compare up to 4 providers

    These providers lend you money directly and service your loan payments — no middle-man.
    Rates last updated February 26th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    These providers help connect you with lenders willing to provide you the funds you’re looking for based on your preferences and the lenders’ criteria — a solid option if you have trouble getting approved elsewhere.
    Rates last updated February 26th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
    $2,500
    Varies by lender
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 36 months
    Varies based on lender
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
    TriangleCash Payday Loans
    If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
    $1,000
    Varies based on lender
    As soon as next business day
    You must be a US citizen, at least 18 years old, and have a valid bank account.
    SWIFT Payday Loan
    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
    $1,200
    Varies by lender
    Next business day
    Must be at least 18 years old and employed or have regular income.
    LendYou Payday Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    $15,000
    Varies
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    LoanSolo.com Payday Loans
    Potentially get connected with a legit lender offering convenient payday loans and quickly get funds.
    $1,000
    Varies by lender
    As soon as one business day
    You must be 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
    ExtraLend.com Installment Loans
    This free and simple service could connect you with online lenders offering installment loans.
    $3,000
    Varies by lender
    As soon as one business day
    Must be at least 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
    iCashLoans.com Short Term Loans
    Potentially get a loan through a network of 100+ lenders. One simple online application.
    $1,000
    Varies by lender
    Varies by lender
    Be employed, have a bank account in your name and income of at least $1,000 per month.
    CashAdvance.com Payday Loans
    Whether for emergencies or unexpected expenses, this broker may be able to connect you among its nationwide network of lenders.
    $999
    Up to 12 months
    1–2 days
    You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.

    Compare up to 4 providers

    Top 6 reasons to consider a prepaid debit card payday loan

    A prepaid debit card offers the flexibility to discreetly spend your payday loan funds anywhere your card is accepted. Here’s what we consider the top six reasons you might benefit from this type of loan:

    1. You don’t always need a bank account. With a prepaid debit card loan, your lender deposits your approved funds onto the card for immediate use.
    2. You can easily access your funds. Once your lender transfers your money to your card, you can use it to shop for groceries and more at stores, pay your bills online or over the phone, even withdraw cash at an ATM.
    3. You can set up your card for other deposits. Most prepaid cards can receive direct deposits, offering a way to quickly access to your paycheck, tax refunds and government benefits.
    4. You could earn rewards with the right card. Some prepaid card providers allow you to earn cash rewards with your spending.
    5. You can choose from multiple lenders. If you live in a state where payday loans are legal, you’ll find lenders to choose from. Compare the ease of applying and turnaround to find the best option for your needs.
    6. You can use your money however you’d like. What you do with the loan is up to you. Use it for car repairs, forgotten bills or to get by until payday.

    What are the benefits and drawbacks to consider?

    How a prepaid debit card can help

    • No bank account required. You’ll find lenders that approve loans for borrowers who don’t have a bank account.
    • Poor credit is OK. As long as you can demonstrate your ability to repay your loan, your credit score isn’t the biggest factor for approval.
    • Quick access to funds. Most lenders can transfer your money by the next business day. If you’re a repeat borrower, you may already have the prepaid card to load your funds.

    What to look out for

    • High fees. Payday loans charge considerably higher fees than other types of loans, resulting in a costly form of credit.
    • Short repayment terms. As the name implies, your loan is typically due on your next payday. Make sure it won’t strain your budget too much before you apply.
    • Disreputable lenders. Plenty of shady lenders are out there trying to take advantage of people at their most vulnerable. Confirm that your lender is licensed and operates legally in your state before signing a contract.

    Other considerations to keep in mind

    Before you apply for a prepaid debit card payday loan, consider how you’ll repay it. Among the most notorious types of lending, payday loans often come with high fees and interest rates. Late or missed payments can lead to additional fees and stiff penalties. And default can result in a lower credit score and long-term damage to your overall credit.

    Prepaid debit card payday loans are governed by state regulations that limit how much you can borrow and for how long. These laws are designed to protect you against predatory lending. Carefully review the terms and conditions of your specific loan, and ask questions about anything you don’t understand before signing any contract.

    To protect yourself against an illegitimate lender, confirm that yours is licensed and allowed to lend in your state.

    How to apply for a prepaid debit card loan

    Depending on the lender, you’re often able to apply for a prepaid debit card loan online or in person.

    To apply for a payday loan:

    • You must be a US citizen or permanent resident.
    • You must be at least 18 years old (or the age of majority in your state)
    • You must be able to prove a steady source of income.

    When applying, you typically must submit:

    • Your name and personal contact information.
    • Your Social Security number and date of birth.
    • Government-issued ID, such as your driver’s license.
    • Your employment status and income details.

    Can’t I have my loan funds deposited into a friend’s account?

    No. You need to have an active bank account in your name — not just any bank account. Lenders typically check this before approving your application. If you don’t have a bank account, one of your options is applying for a small-dollar loan loaded on to a prepaid debit card.

    What do I do if my application is denied?

    Applying through a loan connection service could increase your chances of approval, as these providers have a large network of lenders that offer loans with varying eligibility criteria.

    A lender could deny your application for a number a reasons. Common rejection reasons include: living in an ineligible state and not having sufficient income. If you’re denied because of your state of residence, visit our payday loan state directory to find loan options available in your state. If you’re denied because of insufficient income, consider looking at lenders who accept applicants who are unemployed or receive welfare.

    Can I really get a loan without a bank account?

    Possibly. While many lenders push bank accounts so they can debit payments on the due date, electronic transfers are by no means the only way to receive loan funds or repay them.

    Payday lenders are typically more concerned with your ability to repay the loan. If you can provide proof of income, they’re less likely to be concerned about your lack of a bank account.

    How can I receive loan funds without a bank account?

    There are two ways you can receive the funds from your loan without a bank account: through a prepaid debit card or in-store cash pickup. Your funding options will vary by lender, but these alternatives can provide an easier borrowing experience.

    Payday lenders that offer alternative ways to receive funds

    Online or in-storeMaximum loan amount
    Cash CentralOnline, request a prepaid card to load funds onto when you apply or get funds loaded onto your eligible prepaid card$5,000
    Check into Cash Title LoanBoth, you can start the application online but you must pick up your loaded prepaid debit card or cash in-storeDepends on the car appraisal and your state of residence

    Prepaid debit card explained

    A common alternative to bank deposits is getting your funds on a prepaid debit card. A prepaid card can be handy because you can use them at a wide range of stores. You may also be able to withdraw cash at an ATM, though this might incur extra fees.

    Payday lenders that offer prepaid debit cards will either mail the card to you or let you pick it up at a nearby location after your loan has been approved. You may also be able to use an existing prepaid card. Be sure to check with the lender for any restrictions.

    Benefits of prepaid debit cards:

    • They’re reloadable. If you’ve already had a payday loan on a prepaid card, you may be able reload the card with a new loan. Likewise, you can also load funds that aren’t related to the loan.
    • They’re reliable. Prepaid cards are often issued under Mastercard or Visa, two trusted and widely accepted brands.

    In-store cash pickup explained

    Many payday lenders offer cash if you apply in person, and some even allow you to apply online and pick up your loan in person.

    When you go into the store to apply, be sure you have your proof of income ready. Without the ability to show bank statements that confirm your financial situation, you may need to produce pay stubs or other employment details.

    The benefits of in-store cash pickup include:

    • You can get funding quickly. The in-store application process doesn’t take long, and after approval, you can get the cash within a few minutes.
    • Personal assistance. When you apply in-store, you can work with an associate to craft a repayment plan and get help with the application process.

    Prepaid debit card vs. in-store cash pickup

    How to applyTurnaround time
    Prepaid cardPrimarily online, sometimes in-store1–3 business days
    StorePrimarily in-store, sometimes onlineAs soon as the same day

    Can I get a loan without a bank account if I have bad credit?

    It depends. Payday lenders tend to look beyond your credit score to focus on your ability to repay the loan successfully. Outside of repayment ability, payday lenders usually base their decisions on your age, state of residence, if you have a valid form of photo ID and if you’re an active member of the military.
    Short-term loans available for people with bad credit

    How to get a bank account

    You may have avoided getting a bank account because banks can charge high fees and it can be difficult to manage if you’re living paycheck to paycheck. But you can actually save money if you find the right bank. A bank account can open you up to better loan options with lower APR and fees. It also can help you manage your monthly bills and make payments easier.

    Before you open an account, assess your needs to see which bank works best for you. Some offer no monthly fees or minimum balance, while others are good for travel offering free international ATM withdrawals. Explore your options before you decide on a bank account.

    If you find a bank account that’s right for you, follow the steps to opening an account:

    1. Gather your documents

    • ID. Social Security card, drivers licence, passport or birth certificate is acceptable.
    • Proof of address. Lease or utility bill with your name on it.
    • Deposit. This will vary by bank, but you’ll need somewhere between $25 and $100 to open an account.

    For opening an account online you’ll need to scan any documents and make the deposit using a debit or credit card or make a transfer from another account.

    2. Fill out the application

    Whether online or in person, you’re required to fill out an application. In order to approve your account, the bank runs a credit check, checking on your banking history. If you’re approved you’ll be given your account and routing number along with other account information.

    3. Read the fine print

    Remember that opening a bank account is allowing someone else to care for your money — so be sure you understand the bank’s policies and fees. Read through any paperwork looking for extra fees and when your funds are available for withdrawal.

    4. Manage your account

    Once you make your initial deposit, register for direct deposit, autopay and keep up with what you spend so you don’t overdraw your account. Most banks have online accounts or apps where you can check your balance, pay bills and more.

    Compare loan options now

    Bottom line

    You don’t need to have a bank account to get a payday loan. Your options may be limited, but you can find lenders willing to work with you.

    Whether you decide to get a prepaid debit card loan or cash from a storefront, it’s important to consider how you’ll be able to repay it. Missing payments or defaulting on the loan will lead to extra fees and charges on top of possibly damaging your credit. Be sure you’re able to repay whatever you borrow quickly before you sign a contract.

    Are payday loans available in my state?

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    236 Responses

    1. Default Gravatar
      NancyJanuary 25, 2018

      I have searched for a payday loan without a bank account. The ones that I thought would work require a bank account! I get paid from my employer weekly via a debit card. I want to find a payday loan company that will help me. Thank you kindly.

      • Staff
        RenchJanuary 31, 2018Staff

        Hi Nancy,

        Thanks for your inquiry.

        I understand you need a debit card payday loan. The lenders that accept applicants without a bank account are listed above. Best to check each of the lender and see if they offer loans to people in your state. I also suggest to get in touch with them directly to confirm your options and eligibility.

        Best regards,
        Rench

    2. Default Gravatar
      DeannaDecember 28, 2017

      Im on ssdi and I only have a debit card, my check is deposited on the 4th friday of every month. Do I qualify for a loan ?

      • Staff
        ArnoldDecember 28, 2017Staff

        Hi Deanna,

        Thanks for your inquiry

        You may check your options here for personal loans for people on pension. You may want to get in touch with the lender you are interested in, to discuss your eligibility given that you are on SSDI.

        Hope this information helps

        Cheers,
        Arnold

    3. Default Gravatar
      PamelaDecember 22, 2017

      I would like a debit payday loan. I need it to do Christmas shopping. This Christmas for us doesn’t look too good. My husband is a disabled vet. And he hasn’t started getting his disability yet. So it’s just me working.

      • Staff
        RenchDecember 23, 2017Staff

        Hi Pamela,

        Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        You’re actually already on the correct page for debit card payday loans that you can compare. You may also check this page for easy-approval loans.

        Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

        Best regards,
        Rench

    4. Default Gravatar
      LoriDecember 19, 2017

      Can I get a small payday loan with no bank account and my social security award letter?

      • Staff
        RenchDecember 20, 2017Staff

        Hi Lori,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        You may also get helpful info on this page and compare your options for loans that don’t require a bank account.

        Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

        Best regards,
        Rench

    5. Default Gravatar
      DanielleDecember 8, 2017

      I do not have a bank account only prepaid debit cards and recently lost my job and need a loan since it’s the holidays help me please what are my options. Desperate mother here.

      • Staff
        RenchDecember 9, 2017Staff

        Hi Danielle,

        Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        Some lenders will consider you for a loan when you’re not currently employed, but you’ll need to be earning some form of income or have suitable income-earning assets to repay the loan. You may know more info and compare your options on this page.

        You can also have a look at this guide if you don’t have a bank account and in need of a loan.

        Best regards,
        Rench

    6. Default Gravatar
      GregoryDecember 8, 2017

      Is it possible to have a personal or payday loan on a RushCard visa debit card without a checking or savings account??

      • Staff
        RenchDecember 9, 2017Staff

        Hi Gregory,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        You may compare loans that don’t require a bank/savings account on this page and also get helpful information.

        Best regards,
        Rench

    7. Default Gravatar
      LorettaNovember 10, 2017

      How long do I have to repay my debit card loan? I need 3 weeks to repay my loan. Can I get a loan for that amount of time?

      • Staff
        JhezelynNovember 11, 2017Staff

        Hi Loretta,

        Thank you for your comment.

        Some of the short term loan lenders may give you 7-30 days repayment term. However please do note that the repayment terms may also vary per lender per state. So it means that you may be able to get a loan and repay the loan within 3 weeks. You may contact the lenders above who offer short term loans.

        I hope this helps.

        Regards,
        Jhezelyn

    8. Default Gravatar
      TracyNovember 8, 2017

      I live in Austin TX.. wondering if payday loans are available without bank account..
      I’m disabled veteran and receive, disability pension, that’s loaded directly to my direct Express card….

      • Staff
        DanielleNovember 8, 2017Staff

        Hi Tracy,

        Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

        You are on the right page. If you’re approved, the lender will transfer your funds into your loan account. Online applicants will have to wait for the card to arrive in the mail, but once you have it, you’ll have access to your money whenever and wherever you need it. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

        I hope this helps.

        Cheers,
        Danielle

    9. Default Gravatar
      LisaNovember 7, 2017

      What companies actually provide debit prepaid loans

      • Staff
        ArnoldNovember 8, 2017Staff

        Hi Lisa,

        Thanks for your inquiry

        Actually, the page above shows a comparison of lenders for you to see who would take a prepaid debit card to put your funds on.

        It would be best to check if payday loans are available in your state before you apply.

        Hope this information helps

        Cheers,
        Arnold

    10. Default Gravatar
      AlbertOctober 30, 2017

      I’m trying to apply for a loan but I don’t have a bank account or savings I jus get a paper check every 2 weeks & I make 1,500 to 1,620 every two weeks… What can I do to get a loan.. My credit is poor, is there anyone doing loans with the bank account & etc… I have everything else I need but no bank account

      • Staff
        JhezelynOctober 31, 2017Staff

        Hi Albert,

        Thank you for your comment.

        You can still apply for a loan even if you have a poor credit and no bank account. Payday lenders focus on your ability to repay the loan successfully. You may want to check and contact the lenders on this page that may consider you for a loan. Please note that you need to meet the eligibility criteria before submitting an application.

        I hope this helps.

        Regards,
        Jhezelyn

    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site