Loans Without a Bank Account: Cash, Check and Prepaid Card Options
Many online lenders need a bank account; some stores pay in cash or by check. What lenders say, how to repay, pawn rules. Independent; not a lender.
Independent guides · U.S. lender directory
Find a lender near you
Know what a loan will really cost before you borrow. Plain-English guides to cash advances, payday, title, installment and pawn loans, plus a directory of licensed lenders with hours, contacts and the rules in your state.
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- Costs and rules sourced from regulators and lenders
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- 10–49
- 50–249
- 250–999
- 1,000+
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All guides →- How APR worksWhy a $15 fee can mean a 390% APR, and how to compare costs.
- Cash advances & your creditWhat shows up on your report, and what does not.
- How much can you borrow?Typical limits by loan type, income and state.
- Repaying without penaltiesDue dates, rollovers, extended payment plans.
- More than one payday loan?What state laws and lenders allow.
- Fast cash without debt trapsCheaper options to try before a payday loan.
- No-credit-check loansHow they work, what they cost, what to watch for.
- Is it legal in your state?Payday, title and rate-cap rules for every state.
Lenders by state
Open the directory →Darker states have more lenders listed. Select a state to see its cities.
- Alabama 235
- Alaska 0
- Arizona 92
- Arkansas 1
- California 100
- Colorado 42
- Connecticut 0
- Delaware 16
- Florida 915
- Georgia 358
- Hawaii 7
- Idaho 35
- Illinois 106
- Indiana 98
- Iowa 24
- Kansas 23
- Kentucky 110
- Louisiana 1,039
- Maine 3
- Maryland 15
- Massachusetts 0
- Michigan 50
- Minnesota 20
- Mississippi 1,045
- Missouri 704
- Montana 5
- Nebraska 7
- Nevada 89
- New Hampshire 5
- New Jersey 17
- New Mexico 46
- New York 30
- North Carolina 85
- North Dakota 4
- Ohio 472
- Oklahoma 1,000
- Oregon 19
- Pennsylvania 65
- Rhode Island 0
- South Carolina 245
- South Dakota 3
- Tennessee 251
- Texas 2,615
- Utah 72
- Vermont 0
- Virginia 61
- Washington 24
- Washington, DC 0
- West Virginia 16
- Wisconsin 109
- Wyoming 4
Find a lender, know the rules
Open the directory →Storefront lenders
Payday, title, installment and pawn shops with opening hours, phone numbers and directions.
Online lenders & apps
Which online lenders and earned-wage apps are licensed in your state, and on what terms.
State & city rules
Fee caps, loan limits and local ordinances, so you can spot an offer that breaks them.
Ratings with sources
Third-party ratings shown with attribution and the date we checked, never blended into our own.
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