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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:
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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
I need 1000- 1200 ASAP. I do not have a bank account, only prepaid debit. I live in Indiana, I need the funds to avoid eviction.
AshAugust 19, 2017
Hello Sha,
Thank you for reaching out to us.
You may want to check with the lenders listed on this page. The lenders here can load a payday loan onto a prepaid debit card that you can swipe at stores or online.
You may also want to explore other payday loans in Indiana. Though you must clarify first with the lender if they have the option to have the loan amount transferred to your prepaid card.
Kindly review first the Lender’s eligibility requirements and the loan details before submitting your application. You can click on the green ‘Go to site’ button to be redirected to the lender’s website.
I hope this information helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
DianaAugust 19, 2017
Do you give prepaid card or do I have to get one?
AshAugust 19, 2017
Hi Diana,
Thank you for reaching out to us.
If you apply for a Payday Loan, you might also be given the option to request a prepaid card wherein the approved funds will be deposited. It will be easier if you have a readily available prepaid card for faster deposit of the loan amount.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
JudyAugust 14, 2017
I need a payday loan of 150.00 but have no bank account. Only a Netspend Visa account which my SSI check is automatically deposited on the 1st. How can I get a loan today deposited directly onto my card?
DanielleAugust 14, 2017
Hi Judy,
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. Getting a debit card loan will allow you to get fast access to a loan without the hassle of setting up a new account with a bank. 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
JenAugust 13, 2017
How Can I get a pre paid debit card loan?
DanielleAugust 13, 2017
Hi Jen,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
If all of the requirements are met there are just a few steps to apply:
– Go online or in person to a lender
– Provide your name, date of birth, address and email address
– Show state-issued ID or enter the information if applying online
– Give details about your employment status and income
You may review and compare the offers available on the page. Once you have selected one, you may proceed by clicking the green “Go to Site” button.
I hope this helps.
Cheers,
Danielle
JamiAugust 18, 2017
Hello my question is since i have a prepaid card can they put da money to my card
AshAugust 18, 2017
Hi Jami,
Thank you for reaching out to us.
Definitely, you have the option to have the approved loan amount to be directly deposited into your bank account. This will also allow you to receive the money faster rather than having a cheque issued.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
YvonneAugust 7, 2017
Is it possible to get loan with out bank account and just make monthly payments on what we agree on
ArnoldAugust 7, 2017
Hi Yvonne,
Thanks for your inquiry.
If you do not have a bank account, but you need a loan, you may not qualify for many of the unsecured loan offers out there. Most of these offers are provided by banks. When it comes to loans without a bank account, a secured loan is a great option.
Please see our comparison between secured and unsecured loans. Another option is a collateral loan. Since collateral offers some security to the lender should the borrower fail to pay back the loan, loans that are secured by collateral typically have lower interest rates than unsecured loans.
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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I need 1000- 1200 ASAP. I do not have a bank account, only prepaid debit. I live in Indiana, I need the funds to avoid eviction.
Hello Sha,
Thank you for reaching out to us.
You may want to check with the lenders listed on this page. The lenders here can load a payday loan onto a prepaid debit card that you can swipe at stores or online.
You may also want to explore other payday loans in Indiana. Though you must clarify first with the lender if they have the option to have the loan amount transferred to your prepaid card.
Kindly review first the Lender’s eligibility requirements and the loan details before submitting your application. You can click on the green ‘Go to site’ button to be redirected to the lender’s website.
I hope this information helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
Do you give prepaid card or do I have to get one?
Hi Diana,
Thank you for reaching out to us.
If you apply for a Payday Loan, you might also be given the option to request a prepaid card wherein the approved funds will be deposited. It will be easier if you have a readily available prepaid card for faster deposit of the loan amount.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
I need a payday loan of 150.00 but have no bank account. Only a Netspend Visa account which my SSI check is automatically deposited on the 1st. How can I get a loan today deposited directly onto my card?
Hi Judy,
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. Getting a debit card loan will allow you to get fast access to a loan without the hassle of setting up a new account with a bank. 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
How Can I get a pre paid debit card loan?
Hi Jen,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
If all of the requirements are met there are just a few steps to apply:
– Go online or in person to a lender
– Provide your name, date of birth, address and email address
– Show state-issued ID or enter the information if applying online
– Give details about your employment status and income
You may review and compare the offers available on the page. Once you have selected one, you may proceed by clicking the green “Go to Site” button.
I hope this helps.
Cheers,
Danielle
Hello my question is since i have a prepaid card can they put da money to my card
Hi Jami,
Thank you for reaching out to us.
Definitely, you have the option to have the approved loan amount to be directly deposited into your bank account. This will also allow you to receive the money faster rather than having a cheque issued.
You can also check lenders offering direct deposit short-term loans.
I hope this information helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
Is it possible to get loan with out bank account and just make monthly payments on what we agree on
Hi Yvonne,
Thanks for your inquiry.
If you do not have a bank account, but you need a loan, you may not qualify for many of the unsecured loan offers out there. Most of these offers are provided by banks. When it comes to loans without a bank account, a secured loan is a great option.
Please see our comparison between secured and unsecured loans. Another option is a collateral loan. Since collateral offers some security to the lender should the borrower fail to pay back the loan, loans that are secured by collateral typically have lower interest rates than unsecured loans.
Hope this information helped.
Cheers,
Arnold