Where Can I Get a Loan Without a Checking Account?

While most establishments that offer loans will not under any circumstances provide money to individuals without checking accounts that can be verified, there are some payday loan businesses that will overlook the lack of a checking account. These loans are all generally under $1,000 and have to be paid back with a week or two, but that can still be a boon to someone who needs to pay an unexpected bill quickly but won't have the money until her next pay day.

Difficulty: Moderately Challenging

Instructions

Things You'll Need:

• Current pay stub or savings account

1. Compare the local payday loan shops in your area or online to see which have the best interest rates and fees.

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.

3. Check to see if their no checking account policy means that you need to have a savings account instead.

4. Provide a copy of your most recent pay check to the establishment if it does not require a checking or savings account.

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.

Tips & Warnings

• Most bad credit or high risk loans will have larger interest rates and fees.

Resources

• Payday Loans