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.
