Things You'll Need:
- Current pay stub or savings account
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Step 1
Compare the local payday loan shops in your area or online to see which have the best interest rates and fees.
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Step 2
Ask the shop if it offers loans that do not require checking accounts. Check out shops that offer "bad credit" or "high risk" loans as these are the most likely to not require a checking account.
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Step 3
Check to see if their no checking account policy means that you need to have a savings account instead.
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Step 4
Provide a copy of your most recent pay check to the establishment if it does not require a checking or savings account.
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Step 5
Select a loan amount that only covers your needs and then pay it back by the due date to avoid any late fees or collection attempts.








