Several payday loan companies offer loans that can be taken out using a prepaid account. These loans are especially beneficial to people who need money quickly.
List of the Top 10 Payday Loans that Accept Prepaid Accounts Online
Several options are available if you’re looking for a payday loan that will work with your prepaid account. We’ve compiled a list of the top payday loans that accept prepaid accounts, so you can choose the one that’s right for you.
1. Ace Cash Express:
Ace Cash Express offers payday loans of up to $500 for first-time customers. They also accept prepaid accounts, so you can use your card to get the needed cash.
Pros:
- A quick and straightforward application process
- Multiple application platforms, Online and in-store
- 72-hour satisfaction guarantee
- Early payment without penalty
- Access to fast cash for emergencies
- No bulky requirements
- No collateral and credit history required
Cons:
- High-interest rates
- You can not get a title loan in every state
- The amount you can borrow varies by state
- Frequent credit check
2. Check Into Cash:
Check Into Cash offers payday loans of up to $1,000 for first-time customers. They also accept prepaid accounts, so you can use your card to get the needed cash.
Pros:
- The fast and easy application process
- Flexible personal loan options
- Instant loan decisions
- Great customer support
Cons:
- High fees
- Low lend limit
- Not available in all states
3. MoneyMutual:
MoneyMutual offers payday loans of up to $2,500 for first-time customers. They also accept prepaid accounts, so you can use your card to get the needed cash.
Pros:
- Find the best loan rate in a single search
- Credit scores of all sizes considered
- The very easy application process
- Available throughout the US (apart from New York)
Cons:
- Not a direct lender
- Better lenders might not be partnered with MoneyMutual
- Maximum loan amount $2,500
4.ClearViewLoans
ClearviewLoans is a full-service lending platform that offers competitive rates and low or no fees on various types of loans. If you want to get a small loan that you can pay off when your next paycheck arrives, you can avail of ClearViewLoan’s Payday Loans. The approval process is quick and simple, and the funding is as instant as possible.
Pros:
- Free-to-use-service
- More extensive lending networks than other websites
- Best-in-class customer experience
- Secured personal details
Cons:
- It is not a direct lender.
5. Bad Credit Loans
Borrowers with bad credit can get short-term loans from bad credit loans. The loans are unsecured. Therefore, you are not required to purchase any collateral. You may also apply for a loan online in the comfort of your home.
There are simply a few requirements to fulfill, and the application process is simple. A loan can be obtained for several purposes, such as tax preparation, debt repayment, debt consolidation, and medical expenses.
You can rapidly obtain emergency funds ranging from $500 to $5,000. The loan amount may also be disbursed to your account as soon as the following business day after approval.
Pros
- Offers loans to people with bad credit as well
- There is a pre-qualification option
- Possible funding the following business day
Cons
- Long credit histories may be required by some lenders
- Doesn’t provide loans that are cosigned or joint
6.iPaydayLoans
What distinguishes iPaydayLoans from the competition is that they are a loan broker, not a direct lender, and have a stress-free document submission process and the capacity to obtain loans even if you have low credit. In addition, it indicates that iPaydayLoans can connect you with trustworthy lenders who can give you an emergency loan to cover your immediate expenses.
Several lenders in their network are eager to lend you money depending on the information you submit, and their industry-leading innovative technology matches you with one of them.
Pros
- The website offers a pre-qualification option
- Also provides secured individual loans
- Long repayment terms are an option for borrowers
Cons
- Late fees are charged
- Co-signed, joint, or secured loans are not available
- No discount for choosing the autopay option
7.WeLoans
WeLoans is a company that connects borrowers with many trustworthy online lenders so they can apply for and get small-dollar payday loans fast, effortlessly, and securely.
This helps them deal with unforeseen needs like paying for medical bills, home or automobile repairs, etc. Based on your current financial situation and most recent paystub, you may be eligible for a loan between $50 and $5,000.
To avoid data breaches, WeLoans complies with all privacy laws and uses cutting-edge encryption techniques. Your financial and personal data are safeguarded and kept private here.
Pros:
- Quick Approval Decision
- Instant Funding
- Loans even for those having a poor credit score
Cons
- WeLoans is a credit check direct lender.
- Offers limited loan repayment term
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8.CocoLoan
The payday loans from CocoLoan might help if you need money immediately for an emergency. They offer loans between $50 and $5,000 that are repaid on the borrower’s following payday.
Through digital financial permission, CocoLoan, is a next-generation lending company. Anyone may effortlessly borrow $50 to $5,000 with this software.
Pros:
- You can get all kinds of loans with CocoLoan
- It only conducts soft credit checks
- Funds are transferred same-day after getting approval
Cons:
- To borrow more than $5,000, you will need a good credit score (680 or above).
9.CashUSA
CashUSA offers bad credit personal loans with guaranteed approval whether you need to pay off debt, go on vacation, fix your car, or remodel your house.
CashUSA offers first-rate assistance and connects you with a sizable network of possible lenders. However, any offers for no credit check loans you accept will be handled and processed by the specific lender. After submitting your application, you will be notified about the terms and conditions and the interest rate.
It is a trustworthy loan matching service that assists you in simultaneously submitting a loan inquiry to several no-credit-check loans with direct lenders’ guaranteed approval. In addition, with CashUSA, you qualify for a $10,000 lump sum payment.
Pros
- The loan amount is credited to your bank account instantly
- Instant Approval
- Receive speedy approval for a variety of services
Cons
- Excessive interest rates
- No assurance that you will find an online lender.
10. RadCred
RadCred acts as a bridge between potential lenders and borrowers rather than acting as a direct lender. The company’s broad network of lenders, including third-party lending partners, gives customers a better chance of receiving a loan offer even with less-than-ideal credit.
RadCred offers a quick, simple, and free loan application process, which sets it apart from many other money-lending platforms. Given its extensive experience, there is no question that the organization is one of the most outstanding loan providers.
RadCred has an excellent reputation and has successfully served millions of customers with loan services over the years, which is exceptional.
Pros:
- The easy and simple application process
- Transparent Approval Process
- Instant Funding
- Flexible loan terms
Cons:
- The interest rate varies from lender to lender
- Meeting requirements does not guarantee loan approval
FAQ
Can you Get a Payday Loan on a Prepaid Card?
Yes, prepaid cards can be a great way to get a payday loan, but make sure you understand the terms and conditions of the card before taking out a loan. It’s also important to be aware of interest rates and how long it may take for the money to be available in your account.
Can I Get a Payday Loan With Only a Debit Card?
Yes, getting a payday loan with only a debit card is possible, but it may not be your best choice. It is essential to consider your financial situation and whether this type of loan will fit into your budget.
Can I Get a Cash Advance Without a Bank Account?
Yes, there are a few ways to get a cash advance without a bank account. Check with your bank to see what options may be available to you.
Some banks may offer payday loans or other types of short-term loans. Additionally, many credit unions offer small-dollar loans that are unsecured and can often be approved quickly.
Conclusion
Payday loans that accept prepaid accounts are a convenient and affordable way to get the money you need when you need it. With no hidden fees, these loans are a great option for people who need quick cash but don’t have time to wait for a traditional loan to process.
About Author

- I’m a firm believer that information is the key to financial freedom. On Coindecimal Blog, I write about personal finance and crypto.
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