Get $50 when you register your email with us and take your first cash advance through EarnIn.
Finder members get a $50 digital Visa gift card when they open their first EarnIn account and complete a Cash Out. Offer ends on May 15, 2026.
Separate T&Cs and limits apply.
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
You can use prepaid card as long as its a visa or mastercard.
Hope this helps!
Cheers,
Nikki
LaahawnJuly 9, 2018
Hello I’m trying to see can I get a loan with low credit score I need help
joelmarceloJuly 10, 2018
Hi Laahawn,
Thanks for leaving a question on Finder.
Having poor or bad credit — one that’s below 580 — can make it more difficult to qualify for a personal loan, but not impossible. You might have to pay higher interest rates than other borrowers, and you’ll probably need to apply with a lender that looks at more than your credit score to qualify.
I have a net spend card who is a good lender that will put money on my card an not have a bank account my checks r deposited on my card so I don’t need a bank
ChristieJune 4, 2018
Can you put a loan on my green dot card iam in nebraska
Finder
JoshuaJune 5, 2018Finder
Hi Christie,
Thanks for getting in touch with finder.
The answer to your question is yes. You can use your Green Dot Debit Card to receive your payday loan. However, Please note that we don’t represent any company we feature on our site and so you need to directly get in touch with them when applying for a loan.
On this page, you will see a table that allows you to conveniently compare your options. Once you find the right one for you, click on the “Go to site” green button to learn more or initiate your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
BsoardMay 25, 2018
I have a prepaid walmart card that has my name on it can i get a payday loan on that without a banl account
AshMay 26, 2018
Hi Bsoard,
Thank you for visiting finder.
For the Cash Central payday loan, the approved loan amount is credited to a Green Dot® prepaid card. With regards to Speedy Cash, they offer 3 types of Opt+® debit cards which are Monthly Card, Direct Deposit Card and Pay as You Go Card.
Unfortunately, Walmart Prepaid Card is not accepted by both Lenders.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
MMarch 20, 2018
I get Social Security and my money gets deposited onto my card from the Social Security Administration can I get a payday loan without having a checking account only having that card that they put my check on to
Finder
JoshuaMarch 28, 2018Finder
Hi M Pinner,
Thanks for getting in touch with finder.
The answer to your question is yes. You can get a payday loan without having a checking account and by just having a prepaid debit card. Of course, you still need to check other requirements and eligibility criteria of each lender.
Feel free to explore your options using our table on this page. Compare your options and click on the “Go to site” green button to initiate your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
RLJanuary 30, 2018
How can I get a payday loan without a bank account ?
LoriMarch 23, 2018
Can I get a loan on my prepaid card cause I can’t get a traditional bank account or I was able to get an account with Varo online so can I get a loan deposited with them
Finder
JoshuaMarch 26, 2018Finder
Hi Lori,
Thanks for getting in touch with finder.
Yes, it is possible for you to get a loan on your prepaid card. As what this page suggests, 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.
As for your options, please explore our table on this page. You’ll be able to conveniently compare your options by using our table. After deciding which lender you want to go with, just click on the “Go to site” green button to learn more.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Finder
HaroldFebruary 27, 2018Finder
Hi RL,
Thank you for your inquiry.
The lenders that offer loans to people with no bank account are listed above. If you have a prepaid debit card, they can transfer the funds to your card once you are approved. You may further review the guide on how you can compare your options above. Then contact the lender directly to discuss your options and eligibility. If you also wish to visit their main page, just click on the green ‘Go to site’ button.
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.
Advertiser disclosure
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.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
I have a prepaid visa netspend card. can I use it
Hi Stephanie!
Thanks for your message and for visiting finder.
You can use prepaid card as long as its a visa or mastercard.
Hope this helps!
Cheers,
Nikki
Hello I’m trying to see can I get a loan with low credit score I need help
Hi Laahawn,
Thanks for leaving a question on Finder.
Having poor or bad credit — one that’s below 580 — can make it more difficult to qualify for a personal loan, but not impossible. You might have to pay higher interest rates than other borrowers, and you’ll probably need to apply with a lender that looks at more than your credit score to qualify.
Please look through our guide to find the top online loans for bad credit borrowers.
Cheers,
Joel
I have a net spend card who is a good lender that will put money on my card an not have a bank account my checks r deposited on my card so I don’t need a bank
Can you put a loan on my green dot card iam in nebraska
Hi Christie,
Thanks for getting in touch with finder.
The answer to your question is yes. You can use your Green Dot Debit Card to receive your payday loan. However, Please note that we don’t represent any company we feature on our site and so you need to directly get in touch with them when applying for a loan.
On this page, you will see a table that allows you to conveniently compare your options. Once you find the right one for you, click on the “Go to site” green button to learn more or initiate your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I have a prepaid walmart card that has my name on it can i get a payday loan on that without a banl account
Hi Bsoard,
Thank you for visiting finder.
For the Cash Central payday loan, the approved loan amount is credited to a Green Dot® prepaid card. With regards to Speedy Cash, they offer 3 types of Opt+® debit cards which are Monthly Card, Direct Deposit Card and Pay as You Go Card.
Unfortunately, Walmart Prepaid Card is not accepted by both Lenders.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
I get Social Security and my money gets deposited onto my card from the Social Security Administration can I get a payday loan without having a checking account only having that card that they put my check on to
Hi M Pinner,
Thanks for getting in touch with finder.
The answer to your question is yes. You can get a payday loan without having a checking account and by just having a prepaid debit card. Of course, you still need to check other requirements and eligibility criteria of each lender.
Feel free to explore your options using our table on this page. Compare your options and click on the “Go to site” green button to initiate your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
How can I get a payday loan without a bank account ?
Can I get a loan on my prepaid card cause I can’t get a traditional bank account or I was able to get an account with Varo online so can I get a loan deposited with them
Hi Lori,
Thanks for getting in touch with finder.
Yes, it is possible for you to get a loan on your prepaid card. As what this page suggests, 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.
As for your options, please explore our table on this page. You’ll be able to conveniently compare your options by using our table. After deciding which lender you want to go with, just click on the “Go to site” green button to learn more.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Hi RL,
Thank you for your inquiry.
The lenders that offer loans to people with no bank account are listed above. If you have a prepaid debit card, they can transfer the funds to your card once you are approved. You may further review the guide on how you can compare your options above. Then contact the lender directly to discuss your options and eligibility. If you also wish to visit their main page, just click on the green ‘Go to site’ button.
I hope this information has helped.
Cheers,
Harold