Can I get a payday loan without a debit card?

Quick Answer Yes, you can get a payday loan without a debit card. Lenders can electronically debit your account if you provide them with authorization through ACH. Alternatively, you can also provide a post-dated check to the lender, which they can deposit on the agreed-upon date.

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Tobi Opeyemi Amure β€’ Answer updated on Aug 17, 2023

Fact checked by Steven Hill

Yes, a debit card isn't a must for a payday loan.

Lenders can still electronically debit your account with your authorization through ACH. Or, you could give them a post-dated check to deposit on the due date. The world of lending is more flexible than you think. πŸŒπŸ’³

Learn: Can I get a payday loan online?

When you think of payday loans, you might picture yourself swiping a debit card or signing off on a bank transfer. But, what if you don't have a debit card? The good news is that you can still qualify for a payday loan. There are a couple of ways to go about this.

  • First, consider the electronic route. Lenders can arrange an direct debit from your account. You'll need to authorize this, but it's a straightforward process.

  • Next, when your repayment is due, the lender will deduct the amount directly from your bank account. No card swiping is needed.

Alternatively, you could kick it old-school. Just write a post-dated check to the lender. The check should cover both the loan amount and any additional fees. The lender will then deposit your check on the agreed-upon repayment date.

Learn: Can I get a payday loan without a bank account?

Taking a payday loan without a debit card is an option, but always be mindful of the repayment terms. Be sure to have enough in your account by the due date. Stay on top of your game, and manage your finances wisely. πŸ˜‰πŸ’΅

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