There are a surprising amount of people who simply don’t have a checking account - while some of us can’t fathom being away from our account that we’ve had for so long, others live just fine without one, and if it works for them, more power to ‘em.

The only challenge is that if you were ever to try to secure a payday advance loan without a checking account, you might have a difficult time. However, if you need the money and want to find a solution online, we feel this information will help.

Remember, there are ways to work around this problem.

Finding Payday Advance Loans without a Checking Account

It’s hard, but doable - finding payday advance loans without a checking account can seem tough, but you can get through it. First, let’s look at your offline choices.

Most loan companies don’t actually need a checking account in order to process your request - they’ll give you the money on the spot, and never even have to look at your accounts.

There are more fees that may be associated and because of the overhead that comes with a loan office, you may have a higher APR (Annual Percentage Rate). You may also have a little more trouble getting the actual loan.

Looking offline may be harder, but they may be easier to find and this is worth the extra money that they may cost.

Online choices are often cheaper, and though slightly harder to find, can save you money.

Many websites offer payday loans and some offer payday advance loans without requiring a checking account. You’ll get your money from the company in either a check or a direct deposit and you can pay them by sending a money order to them or cash.

The companies may offer your money though a wire transfer. This is rare but it does happen. This is a secure form of payment and it does have some drawbacks. In small towns, there may not be anywhere to pick up or drop off and cash at the Western Union. If you are lucky enough to have one of these places in your area, then you have a great option to get your money faster.

Because of this, some of the larger payday advance loan companies are offering to send money to a person’s PayPal account. In addition to being a fast solution, PayPal is also highly secure and safe. This site is operated by a third party and there is little hassle.

Getting a PayPal account is painless, and free - you can pay at thousands of stores online, accept payments through eBay and other auction houses, and PayPal has small fees and no annual costs.

Overall…

Getting payday advance loans without a checking account seems hard, but really, it isn’t - a little digging, and a bit of time, and turn up a lot.