Can you get a payday loan with a debit card?

Quick Answer Yes, you can get a payday loan with a debit card. Having a debit card can serve as an alternative to a personal check. It allows you to show the lender that you have a means to receive funds and make repayments. However, not all lenders accept debit cards, so check with your lender.

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Jack Woerner Answer updated on Sep 3, 2023

Fact checked by Doreen Dumesle

Yes, with many lenders, you can get a payday loan with a debit card the same way you get one with a personal check.

One of the usual requirements when applying for a payday loan is that you have a bank account. This serves as a way for your lender to verify your income, deposit your funds, withdraw their repayment.

Learn: Where can I get a payday loan?

For this purpose, lenders will typically request that you provide them with a postdated personal check — made out for the loan amount (plus the lending fee) — for them to cash when your loan comes due and to prove that you do indeed have a bank account.

Though, since a debit card technically proves that you have a bank account, it is often accepted in lieu of a postdated check — as long as you can complete a payment authorization form with your banking details.

If you're unable to provide your bank's routing number and your account number, this doesn't put a payday loan completely out of your reach. Some lenders offer prepaid debit cards as an alternative — designed to assist borrowers without checking accounts.

Learn: Can I get a payday loan with a savings account?

With a prepaid debit card, you'll be able to receive your funds almost immediately. Though, the lender may assess extra fees (e.g., a card fee and/or convenience fee) and require a more in-depth verification for this option. Also, note that not all lenders offer prepaid debit cards so make sure you check with your lender first.

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