Most direct lenders that provide debit card payday loans require borrowers with bad credit scores to have a checking account. If they don't have it, a savings account will work. However, when a person does not have both, it becomes harder. People without any valid or working bank accounts can still get money on their cards. They need to mention this to the client and request the funds to be loaded on a card instead. There might be a few limitations that may vary from lender to lender, but you can still get a loan.