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These days, most lenders deposit your loan funds directly into your checking account. But a few lenders can load a payday loan (or similar) onto an existing debit card. Or, as one alternative, some cash advance providers may be able to deposit advances onto your debit card or offer their own cards to fund.
However, like other short-term loans, debit card loans are best used as a last resort, as they can come with rates of 400% or more. Plus, some lenders may require you to visit a physical location, not all debit cards are eligible and you typically need an open and active checking account to qualify.
5 lenders that offer debit card loans
These lenders will load a payday loan onto your personal debit card or prepaid card that you can swipe at stores or use online.
Cash advance apps can be a good alternative to payday loans, with lower fees, more favorable terms and features and the ability to use a debit card for quick access to funds.
We currently don't have that product, but here are others to consider:
How we picked these
What is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
A debit card loan is any type of loan where the funds are deposited onto a debit card instead of into your bank account (or disbursed as cash or a check). The debit card could come from your regular bank, an online bank or it could be a prepaid debit card.
In general, payday lenders are the only ones who offer debit card loans, but they may also deposit funds from other loan types, too, like installment loans or title loans. Payday debit card loans are typically due on your next pay date, but some loan options offer longer loan terms.
Pros and cons of a prepaid debit card payday loan
Payday loans come with their own set of benefits and drawbacks.
Pros
Easy access to funds. Once your lender transfers your money to your card, you can use it to shop at stores or online, pay your bills or withdraw cash at an ATM.
Can set up your card for other deposits. Most prepaid cards can receive direct deposits, offering fast access to your paycheck, tax refund advances and government benefits.
Earn rewards with the right card. Some debit card providers allow you to earn cash back or other rewards with your spending.
Multiple lenders to choose from. If you live in a state where payday loans are legal, you’ll find several lenders that offer this type of loan. Compare the ease of applying and turnaround to find the best option for your needs.
Cons
High fees. Payday lenders charge considerably higher fees than other types of lenders, which could get you caught in a cycle of debt.
Short repayment terms. As the name implies, your loan is typically due on your next payday, although some extend up to 30 days. 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.
How to apply for a debit card loan
Applying for a prepaid debit card payday loan is similar to other types of loans, except it may not require a hard credit check.
Check requirements. You’ll likely need a steady source of income, be a US citizen or permanent resident, have an active bank account and be the age of majority in your state. Most payday lenders don’t check your credit score, although they might if you opt for a larger loan.
Gather documents. You’ll likely need your SSN, valid identification, pay stubs, employer information and proof of address.
Apply. If you apply online, you could receive a lending decision within minutes. Payday lenders often have fast turnaround times, and some may even fund your debit card within 30 minutes.
What to watch out for
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. Late or missed payments can lead to additional fees and stiff penalties. And there is a very real risk of falling into a cycle of debt if you borrow money between paychecks often.
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.
Alternatives to debit card loans
With high fees associated with debit card loans, you may want to consider other options.
Personal loan. You can borrow as little as $1,000 with a personal loan, and you’ll have longer to pay it back at a lower rate than a payday loan. However, you may need good credit to qualify.
Installment loan. Payday lenders often provide installment loans, too, but these lenders may have better rates and more favorable loan terms.
Cash advance apps. It’s typically easy to qualify for a cash advance app. They’re cheaper than debit card payday loans, and funding is practically instant for a small fee.
Buy now, pay later (BNPL) apps. If you don’t need cash, a BNPL app is an easy way to make larger purchases and pay over time. And you may not even be charged interest.
Bottom line
A debit card can be a convenient way to receive your payday loan, but it comes with the same risks and costs as any other short-term loan. Before you commit to a lender, learn more about how payday loans work to ensure they’re the right fit for you.
Frequently asked questions
Unfortunately, most lenders that offer debit card loans require a bank account. Check out our guide of no bank account lenders to see potential lending options.
It depends on the lender. Some may allow you to make payments with a prepaid debit card, but it could mean you pay an extra fee. Other lenders may only accept bank account transfers. But you may be able to withdraw money from your prepaid debit card and pay the lender directly.
Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf.
See full bio
Is it possible to have a personal or payday loan on a RushCard visa debit card without a checking or savings account??
Finder
RenchDecember 9, 2017Finder
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.
Generally, it’s still possible for you to get a loan if you only have a prepaid debit card. There are lenders that allow loan without bank account that you may be eligible for.
Keep in mind that these loans will most likely cost you more than the average personal loans so carefully read through the loan terms and conditions to see whether it’s right for you.
Best regards,
Rench
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?
Finder
JhezelynNovember 11, 2017Finder
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
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….
DanielleNovember 8, 2017
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
LisaNovember 7, 2017
What companies actually provide debit prepaid loans
ArnoldNovember 8, 2017
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.
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.
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.
If you have already chosen a company to go with, simply click on the GO TO SITE button next to their name so you can process your application. Please note that you need to choose your state of residence from the dropdown to verify if it is legal to get a payday loan from where you live.
Cheers,
Joel
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
Finder
JhezelynOctober 31, 2017Finder
Hi Albert,
Thank you for your comment.
You can still apply for a loan even if you have poor credit and no bank account. Payday lenders focus on your ability to repay the loan successfully. You may want to apply for a no bank account loan. Please note that you need to meet the eligibility criteria before submitting an application.
Check City offers payday loans and installment loans to people looking for money quickly regardless of credit score. Read about other similar providers.
Spotloan provides next day funding when you need money fast, but it is a tribal lender with sky-high APRs. Find other providers with similar services but much better rates and terms.
OpenCashAdvance.com specializes in what is known as cash advance loans, which are payday cash loans. Learn more about them here.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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Is it possible to have a personal or payday loan on a RushCard visa debit card without a checking or savings account??
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.
Generally, it’s still possible for you to get a loan if you only have a prepaid debit card. There are lenders that allow loan without bank account that you may be eligible for.
Keep in mind that these loans will most likely cost you more than the average personal loans so carefully read through the loan terms and conditions to see whether it’s right for you.
Best regards,
Rench
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?
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
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….
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
What companies actually provide debit prepaid loans
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 the payday lending regulations by state to see if payday loans are available in your state before you apply.
Hope this information helps
Cheers,
Arnold
HAI SIR,HOW CAN I LOAN HERE.??
Hi Melvin,
Thanks for leaving a question on finder.
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.
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.
If you have already chosen a company to go with, simply click on the GO TO SITE button next to their name so you can process your application. Please note that you need to choose your state of residence from the dropdown to verify if it is legal to get a payday loan from where you live.
Cheers,
Joel
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
Hi Albert,
Thank you for your comment.
You can still apply for a loan even if you have poor credit and no bank account. Payday lenders focus on your ability to repay the loan successfully. You may want to apply for a no bank account loan. Please note that you need to meet the eligibility criteria before submitting an application.
I hope this helps.
Regards,
Jhezelyn