Payday Loans With Prepaid Debit Card Online

Payday Loans With Prepaid Debit Card Online

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Payday Loans With Prepaid Debit Card Online

Loans Compare

Lender
Details
LoanSolo
LoanSolo
9 / 10
lender.amount
$3000
APR
1.39-3.4%
lender.term
1-3 years
Pros
  • Ease of use.
  • Simple application process.
  • Large number of trustworthy lenders.
  • No fees.
  • Flexible loan terms.
  • High security.
Cons
    Not available in some state.
    Small maximum amount to borrow.
    No pre-qualification.
LoansAngel
LoansAngel
9 / 10
lender.amount
$2000
APR
4.99-20.49%
lender.term
2-4 years
Pros
  • Long-lasting presence online.
  • Good standing.
  • Customized offers based on applicants' individual needs.
  • A convenient website with easy registration.
Cons
    Not a direct lender.
    LoansAngel hides the WHOis information.
    The FAQ section could be more extensive.
Indylend
Indylend
10 / 10
lender.amount
$3000
APR
4.99-19.63%
lender.term
2-6 years
Pros
  • Free to use.
  • Website's good quality and intuitive navigation.
  • Updated SSL encryption.
  • They don't check financial health.
  • Flexible conditions for different borrowers.
Cons
    Sometimes, customers have to wait for money for up to two days.
    Text messaging spam.
Greenlight Cash
Greenlight Cash
10 / 10
lender.amount
$3000
APR
4.37-24.99%
lender.term
1-2 years
Pros
  • Accepts first-time credit applicants.
  • Loans can be funded one business day after the borrower agrees with a loan offer.
  • Credit card consolidation loans provide direct payment to creditors.
  • Borrowers can select and adjust their payment date.
Cons
    An origination fee may be charged.
    Borrowers can only select between two repayment terms.
    There is no debt management mobile app.
Funds Joy
Funds Joy
9 / 10
lender.amount
$500
APR
4.99-19.99%
lender.term
2-4 years
Pros
  • One-stop solution for finding all lenders.
  • Easy 10-minute process.
  • Fast transfers.
  • Easy to navigate for new users.
Cons
    Not a direct lender.
    In case of late payments, Funds Joy will report a lower credit score to the credit agency.
    A borrower must earn at least $800 per month to be eligible for a loan.
Extralend
Extralend
10 / 10
lender.amount
$1000
APR
4.99-29.99%
lender.term
2-5 years
Pros
  • No additional fees.
  • Rates are competitive among available internet loan lenders.
  • Provides a 0.5 percentage point rate reduction for setting up autopay.
  • Satisfaction-guarantee service.
Cons
    There is no pre-qualification option on its website.
    Some lenders may ask for several years of credit history.
    ExtraLend isn't the direct lender, which makes the process lengthy.
Payoff
Payoff
6 / 10
lender.amount
$250
APR
5.99-24.99%
lender.term
2-5 years
Pros
Cons
Best Egg
Best Egg
7 / 10
lender.amount
$1000
APR
5.99-29.99%
lender.term
1-5 years
Pros
Cons
Upstart
Upstart
8 / 10
lender.amount
$1000
APR
4.37-35.99%
lender.term
3-5 years
Pros
Cons
SoFi
SoFi
6 / 10
lender.amount
$200
APR
4.99-19.63%
lender.term
2-7 years
Pros
  • The Company provides commission-free American stock and EFT trading without inactivity and withdrawal fees.
  • The process of creating an account is seamless, digital, and quick.
  • The support center offers relevant and helpful answers.
Cons
    The Company is only available to American residents.
    There are limited products.
    The research tools are not advanced.
LightStream
LightStream
6 / 10
lender.amount
$1500
APR
4.49-20.49%
lender.term
5-10 years
Pros
Cons
Wells Fargo Personal Loan
Wells Fargo Personal Loan
7 / 10
lender.amount
$500
APR
5.74-19.99%
lender.term
2-8 years
Pros
Cons
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here's how we make money.

What is Empire Finance?

5987
processed loans
4800
happy customers
7000
testimonials
94%
instant approval

All About Payday Loans with a Prepaid Debit Card

When you need money quickly, you look for options that would allow you to get the needed cash right away. Applying for a payday loan with a prepaid debit card is the simplest method to receive cash in an urgent situation. You won’t have to wait much time for approval since the lender analyzes your application and responds in about an hour, much like a traditional payday loan. This implies you can access cash the same day if you have an emergency.

Payday loans with a prepaid debit card are short-term loans with a repayment period of fewer than three weeks. Take this into account before applying since you wouldn’t want to fail the repayment. You must repay the money when you receive your next salary. You should also be aware that a shorter loan term combined with a lack of collateral will result in higher interest rates. Use an online loan calculator to figure out how much you’ll have to pay back. This will assist you in determining whether the product is right for you.

Payday loans with a prepaid debit card are a fantastic alternative for people with a bad credit score since these loans do not require a strict credit check. Instead, the lender’s primary concern is your source of income, so if you can prove that you get money regularly, your loan request will be approved. Additionally, the procedure requires less paperwork and may be performed entirely online.

Who May Need Payday Loans Online With Prepaid Debit Card?

Have you ever found yourself in a financial bind, unable to meet your monthly obligations while facing unexpected expenses? Is it impossible for you to receive a loan from a traditional bank or credit union due to your terrible credit score or because you don’t have a bank account? If life throws you a curveball, remember to smile because payday loans with prepaid debit card lenders have your back.

In recent years, Payday loans have evolved as a solution to meet the demands of all people, irrespective of their credit score. Payday loans with a prepaid debit card help people with terrible credit scores with features and services like no credit check and loans without a bank account.

Sounds just perfect right? It is literally with no hidden conditions! Today, you can easily acquire a loan from payday loan lenders who don’t care about credit checks and bank account verification. It is because you no longer require a bank account for payday loans and the deposit can be made to a prepaid debit card as well. Continue reading to learn more.

Benefits of payday loans with a prepaid debit card

When you need fast cash, you know it’s best to acquire a loan with a prepaid debit card, but what are the advantages of this option? Here are a few reasons you might desire to borrow money online to deal with a financial emergency.

Easy to qualify: The first advantage of payday loans with a prepaid debit card is that it is simple to apply for. Due to no strict requirements, you can get approved by demonstrating that you have an adequate monthly money source.

Data security: When you apply for payday loans with a prepaid debit card online, the payday loan provider offers data security, ensuring that any information you disclose remains private. The companies are regulated and are not permitted to share user information with third parties.

Quick: Filling out and submitting your application for payday loans with a prepaid debit card takes less than 15 minutes. You can also collect the money the same day or the following working day, making it an excellent option for individuals in a financial emergency.

Interest rate cap: Most states prohibit lenders from charging interest higher a certain level. This rule might imply that your loan’s costs cannot exceed a set proportion, protecting you against predatory lending.

Convenient: You can borrow from payday loans with a prepaid debit card institution even after conventional banking hours. This enables you to obtain emergency cash loans whenever you want funds. Furthermore, most lenders have an internet presence, making loan applications simple.

Independence: The lender isn’t interested in knowing how you intend to use the funds. There are no limitations, so you can spend it on whatever you choose.

Options to Get Payday Loans with a Prepaid Debit Card

Applying for payday loans with a prepaid debit card is pretty simple. Follow the steps mentioned below to get a loan:

  1. Visit the Empire Finance website on your browser. You may also use your mobile browser for the purpose!
  2. Hit the “Get Started” button and fill up the interactive form.
  3. Select the correct options to complete the form and submit the request.
  4. After submitting the form, you will need to wait a few hours to get approval for payday loans with a prepaid debit card.
  5. In most cases, the approval comes within an hour of applying.
  6. Check your registered email and mobile number to get the confirmation.
  7. Once you get it, the money is transferred to your debit card.
  8. Generally, the funds get transferred within the same day; if not, however, you may get it early the next day.

How you can get payday loans with a prepaid debit card

Applying and receiving a payday loan with a debit card is clearly the easiest and fastest way to get a loan online. The online application process for payday loans with a prepaid debit card is nearly identical to the one where users with a bank account apply for a payday loan online.

Search on Google for a few names of reputed companies that provide payday loans with a prepaid debit card and select the one that appears to be the most legitimate. Before applying, you should investigate the company’s background, contact information, APR (annual percentage rates), and any unrevealed conditions or charges.

On the front page of the lender website providing payday loans with a prepaid debit card, such as Empire Finance, you will find the form for loan application. First, fill it out with essential details like your complete name, age, and email address. Then, specify that you desire funds in your debit card instead of a bank account. Enter your card details in the corresponding field.

If you’re not sure how to accomplish it, phone or have a chat with a customer service professional to get clarification about everything before applying. While many payday loans with a prepaid debit card allow you to make direct payments at merchant locations, you may need to get cash from ATMs to use at several other places.

As arranged, the payback date is selected on the following salary date, and most applicants choose to use the debit card to pay back the loan. However, before taking the loan and signing up the final papers, you must go through the terms and conditions carefully since the payday loans with a prepaid debit card lender reserves the right to set the APR and additional charges.

A payday loan on a debit card has the following features:

Extra Costs: When you take payday loans with a debit card, you must pay the additional fees with this service. The payday loans with a prepaid debit card fee range between 3 and 6% of the amount you take as a loan.

Card Security: These are for people with no bank account and poor credit scores. Hence when applied with a prepaid debit card, the credit giver sets aside a certain amount of the fund, which you cannot use. In other words, users get a limit that is less than the total balance of the debit card for security purposes.

No-Interest Time: Most payday loans taken against a card come with an interest-free period that generally lasts for 30 days starting on your first use of the card to take out money. If you return the loan before the period ends, you will receive extra perks such as reduced or no commissions for your next payday loans with a prepaid debit card.

Despite its flaws and limits, payday loans with a prepaid debit card are an excellent solution when you’re in a tight financial scenario. Payday loan lenders skip credit checks making a significant number of people eligible for cash advances.

Borrowers can also take advantage of loan repayment options that are way more flexible than traditional loans. It is particularly useful for people depending on their salaries to pay back. However, payday loans with a prepaid debit card have the disadvantage of having higher interest rates and additional charges than traditional loans.

Furthermore, you must meet various requirements before being accepted. Therefore, make sure you have these papers before starting your online loan application:

  • Evidence of income - To qualify, you must provide proof of income. For example, you can verify you have a consistent income by showing your paycheck or other evidence.
  • Debit card information - If you don’t have a bank account, you’ll need to provide your prepaid debit card information, as this is where the lender will deposit the funds.
  • Age - Candidates aged 18 and above are eligible.
  • Citizenship - You must be a United States citizen or permanent resident.

Ask the lender if there are any additional criteria for applicants.

How fast you will get payday loans online with a prepaid debit card

The application form takes around 2-5 minutes to complete and submit online. When the direct loan lender receives your application, he does a brief check on the information you’ve given. The lender will not conduct a credit check or request additional papers. The funds should arrive in your account the same day or the following working day.

Frequently Asked Questions

  • Your payday loans with a prepaid debit card request will be approved if your salary is sufficient to repay the amount. You must repay the loan on your next salary after receiving the funds. This might happen in three or two weeks, so make sure you have enough time to raise funds needed to pay off the loan. Defaulting on a loan will result in fines and additional fees, increasing the cost of the loan and keeping you in debt longer.
  • Your next payday is essentially the payoff day for your payday loans with a prepaid debit card. However, if you have taken a loan for a more extended period, you may pay it back in installments over a few months. But it entirely depends on your contract and lender. Also, the payback amount is automatically debited from the card on or after a few days of your payday. It means you don’t have to do any transactions; it proceeds automatically.

    Furthermore, if you cannot pay back in time, you must contact the lender for additional time to avoid being a defaulter. You will get extra time in such cases, but you will also need to pay the additional interest rate for the added time.

  • If you are unable to obtain a payday loan, you may choose to examine the following options:

    Installment loans: An installment loan allows you to repay your debt over some time. If you prefer monthly installments to a single sum payment, this is an alternative to a payday loan.

    Title Loans: Title loans are suitable for those who own automobiles since they may use the title as collateral. If the car is in good condition, you may be eligible for a more significant loan amount.

    12 Month Payday Loans: Payday loans for 12 months.

    Payday Loans with a Savings Account: Payday loans with a savings account allow you to get fast cash deposited into your savings account within 24 hours. It is considered the best alternative to payday loans with a prepaid debit card.

Other lender reviews:

Best Egg
Minimum down payment: 5.99%
Minimum credit amount: 1000 $
Extralend
Minimum down payment: 4.99%
Minimum credit amount: 1000 $
Funds Joy
Minimum down payment: 4.99%
Minimum credit amount: 500 $
Greenlight Cash
Minimum down payment: 4.37%
Minimum credit amount: 3000 $
Indylend
Minimum down payment: 4.99%
Minimum credit amount: 3000 $
LightStream
Minimum down payment: 4.49%
Minimum credit amount: 1500 $
LoanSolo
Minimum down payment: 1.39%
Minimum credit amount: 3000 $
LoansAngel
Minimum down payment: 4.99%
Minimum credit amount: 2000 $

What our customers are saying

Catherine Jones
Catherine Jones
9 / 10
EmpireFinance has low-interest rates and great loan offers. And no week-long waiting. You'll get the loan after providing your details and identity verification.
Jeff Gray
Jeff Gray
10 / 10
Do you find it hard to cover your expenses before payday? Here's the solution: Empire Finance. You don't even need to do any paperwork to receive money!
Stephanie Smith
Stephanie Smith
9 / 10
Finding a trustworthy lender is hard. You don't want your bank details to get into the wrong hands. So I was amazed to receive the loan from Empire Finance so quickly.
Anthony Griffin
Anthony Griffin
10 / 10
Quick and helpful support staff. Plus, the online service makes receiving the loan super easy. It won't fix your financial issues but helps for a month-end solution.
Andrea Hooper
Andrea Hooper
9 / 10
Lending was easy, and the money helped a lot. It paid for an essential bill. I will surely take advantage of Empire Finance the next time. I hope they'll start giving promo codes.