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Payday Loans with a Prepaid Card

No traditional bank account? Some prepaid debit cards work with payday lenders. Learn which cards are accepted, how the process works, and what to watch out for.

Prepaid Cards That Work with Lenders

Chime

LIKELY WORKS

Full-featured online bank with prepaid card. Has routing and account numbers. Most widely accepted by lenders and cash advance apps.

  • Direct deposit supported
  • ACH transfers
  • Cash advance apps accept
  • No monthly fees

NetSpend

LIKELY WORKS

Popular prepaid card with direct deposit. Works with many lenders. Monthly fees apply unless you meet minimum deposit requirements.

  • Direct deposit supported
  • ACH transfers
  • Some lenders accept
  • Cash reload at stores

Green Dot

LIKELY WORKS

Widely available prepaid card. Supports ACH transfers. Accepted by some online lenders. Available at most retailers.

  • ACH transfers
  • Some lenders accept
  • Cash reload everywhere
  • Mobile check deposit

How Prepaid Card Loans Work

  1. 1

    Verify Your Card

    Check that your prepaid card has a routing number and account number. Log into your card's app or website to find these numbers. If your card does not have them, it cannot receive direct deposits.

  2. 2

    Check Lender Acceptance

    Contact the lender or check their FAQ before applying. Ask: 'Do you accept prepaid debit cards for direct deposit?' Some lenders list accepted card types on their website.

  3. 3

    Apply with Card Details

    When applying, enter your prepaid card's routing and account numbers in the bank account section. The lender will verify the account.

  4. 4

    Receive Funds

    If approved, funds are loaded onto your prepaid card via ACH. This typically takes 1 business day. Some cards support instant transfers for a small fee.

  5. 5

    Repay from Card

    On the due date, the lender attempts to withdraw the repayment amount from your prepaid card. Ensure sufficient funds are loaded to avoid overdraft or NSF fees.

Pros and Cons

Advantages

  • No traditional bank account needed
  • Funds loaded directly to your card
  • Can use card immediately for purchases
  • Some cards have no monthly fees

Disadvantages

  • Limited lender acceptance
  • Prepaid card fees can add up
  • No overdraft protection
  • May not build credit history
  • Lost or stolen card = lost funds

Prepaid Card Loan FAQ

Frequently Asked Questions

Need a Loan Without a Bank Account?

Consider opening a free Chime or Varo account first. It unlocks all lenders and is safer than prepaid cards.

No Bank Account Options
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Helping Americans find fast, transparent cash advance and payday loan options since 2024.

Material Disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, and APRs for installment loans range from 6.63% to 485%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5,000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Be sure to review our Disclosures for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site's Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy.

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