{"id":465,"date":"2018-06-29T04:15:10","date_gmt":"2018-06-29T04:15:10","guid":{"rendered":"https:\/\/www.ezpaydaycash.com\/blog\/?p=465"},"modified":"2025-06-03T12:40:51","modified_gmt":"2025-06-03T12:40:51","slug":"can-you-get-a-payday-loan-without-a-bank-account","status":"publish","type":"post","link":"https:\/\/www.ezpaydaycash.com\/blog\/can-you-get-a-payday-loan-without-a-bank-account\/","title":{"rendered":"Can You Get a Payday Loan Without a Bank Account?"},"content":{"rendered":"

How to Take Out a Payday Loan Without a Bank Account<\/h2>\n

Payday loans are easy to avail, but only if you have a checking account. Since these debts are granted even to people with bad credit, and there is no collateral pledging, checking account and regular income of the borrower guarantee the repayment. A checking account is preferred because the lender can deduct the amount on your salary day automatically.
\nIf you do not have a checking account, taking out a payday loan might not be that easy, but certainly not impossible. A savings account would still work if you can prove to have an income that can repay the debt. In this case, the lender still would be convinced that you would write a check to pay off. However, if you happen to be without a checking account as well as a savings account, then your chances are not very high. Yet, you could still avail a payroll loan in 2 ways-<\/p>\n

1. On a Prepaid Debit Card<\/h3>\n

Credit companies try to address every possible issue a potential borrower might have in securing a cash loan. Since there are many people in America who do not have a valid bank account, there needs to be an alternative way to help them with financing. Some lenders offer debit card loans as a solution. Along with these prepaid debit cards, you get a fresh account which can load funds. Therefore, you can spend the money by using the card, and repay with the same too.<\/p>\n

2. Secured Payday Loans<\/h3>\n

This might sound odd, but such things exist. Usually, payday loans<\/a> are unsecured, but if you do not have a bank account- or temporarily if it has been deactivated- or you don\u2019t want to share your bank details, then there are financing companies who fund you against a title, especially of a car or truck. They mostly function in stores. Even though these loans are secured, the APR is still high. Apart from that, this is a risky borrowing, if you cannot repay. Your vehicle might get repossessed. Therefore, we would not advise you to go for it.<\/p>\n

In order to have a smooth and risk-free borrowing, we recommend you to open a new checking account and then apply for a payday loan<\/a>. Opening an account is very easy and does not take much time.<\/p>\n","protected":false},"excerpt":{"rendered":"

How to Take Out a Payday Loan Without a Bank Account Payday loans are easy to avail, but only if you have a checking account. Since these debts are granted even to people with bad credit, and there is no collateral pledging, checking account and regular income of the borrower guarantee the repayment. A checking account is preferred because the lender can deduct the amount on your salary day automatically. If you do not have a checking account, taking out…<\/p>\n

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