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When payday loans started becoming popular it was impossible to apply for an online quick cash loan without a bank account and direct deposit. This was considered as collateral for your loan and really the only way that lenders could have some assurance that they would get their money back.

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The lenders know that more and more individuals do not have bank accounts due to financial problems or lack of proper identification. Luckily the times have changed and so have the requirements to obtain an online payday loan. meaning that now, it is 100% possible to get a cash loan without a checking account.

So how does this work?

Typically if you lack the required documents the lender will do more extensive on your employment, your residency, and your personal references. This verification process is more intense because there is no assurance that you will payback the loan. Some lenders will allow you to use another person's account to withdraw the funds, but these funds must be available from the same account to repay the loan.

Another option is wiring the cash to you. There are cash wiring services available in grocery stores, drug stores, and even small convenience stores. Keep in mind that there are extra fees involved with wiring cash, but it is still an option if the lender offers this and it might still cost less than overdraft fees over the limit fees, and late payment changes.