Debit Card Loans Online

If you’re in need of fast cash, you can receive a payday loan on a debit card. Also known as a debit card loan, this option can allow you to access your funds with ease. Here’s a guide to what debit card loans are and how you may benefit from them.

What is a Debit Card Loan?

A debit card loan is a type of payday loan where the funds are deposited directly to your debit card. Once the money is on your card, you can use it on anything you’d like. You don’t have to wait for the cash to make its way to your bank account and can cover an expense with the simple swipe of your card.

Benefits of Debit Card Loans

Here are some of the most notable benefits of debit card loans.

Many Online Lenders to Choose From

Since debit card loans are popular, you’ll find that many online lenders offer them. This is great news as it can allow you to compare various options and choose the right one for your unique situation.

Easy Online Application

You don’t have to drive to a physical location to apply for a debit card loan. You’ll be able to apply from the comfort of your own home via a quick online application form.

Receive Funds Quickly

Depending on the lender you select, you can receive the funds on your debit card right away. Some lenders will deposit the money the same day you apply, within 24 hours, or a few days after.

Good Credit is Not Required

If you don’t have the best credit, don’t worry. Many lenders who offer debit card loans online have flexible requirements. Some of them won’t even look at your credit score and will approve you based on your employment status and income.

Drawbacks of Debit Card Loans

As with all financing products, debit card loans come with some disadvantages including:


Unfortunately, debit card loans aren’t free. You’ll have to pay interest charges and fees to take a loan out. The good news is that many lenders are transparent about their fee structure, so you’ll know exactly how much you’ll owe upfront.

Short Repayment Terms

Debit card loans online are designed to be short-term financing solutions. If you move forward with one, you’ll need to pay it back on your next payday. This will likely be within two to four weeks.

Not All Lender are Safe or Legitimate 

There are plenty of illegitimate lenders that offer debit card loans. Before you pursue a lender, check their Better Business Bureau rating and verified reviews on a website like TrustPilot. If their rating is low and they have many negative reviews, look elsewhere.

Applying for a Debit Card Loan

While every lender has their own unique requirements for debit card loans online, most ask that you’re:

  • At least 18 years old
  • A U.S. Citizen
  • Employed
  • Able to prove a steady source of income

Advance America Offers Alternatives to Debit Card Loans Online

Interested in Debit Card Loans? Advance America offers payday loans and installment loans that can be funded to your debit card if you apply in store. You don’t need good credit and get approved easily after you apply online from anywhere. We’ve been around since 1997 and are proud of our A+ Better Business Bureau rating, 5-star TrustPilot rating, and countless positive reviews on Google.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans