Can you get a payday loan without a checking or savings account?

Answer:

I don't think so. The way this works is you write a check for, say, $500, and the payday people (loan sharks) promise not to cash that check for two weeks. They charge between 15% and 30% interest for this privilege. You have the cash to spend before you actually get paid from your employer - once you DO get paid, you need to deposit that into the checking account to cover the $500 check written two weeks prior.

Answer

NO - in order for them to give you a loan they need to have a cheque and access to your chequing account incase you try to stiff them of course. It has to be a chequing account. Plus you need to be employed with proof of employment, you 1 to 3 most latest pay stubs that usually have to be direct deposit, have references, have a phone & address, bank statement with no NSF's, and much more.