Pay cards or payroll cards are the same as a prepaid debit card, and employers use them to pay salaries to their employees. In case you do not have a bank account to get a quick cash loan from the direct lender, a pay-card might help. When you have a working pay-card, it indicates that you are employed and have a regular income source. This pay-card works in your favor to assure the lender about your capability to repay the loan amount. However, you must mention this in your loan application. Not all direct lenders offer payday loans on pay-cards, so this might require some searching on the Internet. However, make sure you have a good time looking for a suitable lender than hurrying into a bad deal.