Can I obtain a Payday Loan and not using a checking account? Most states have to have you to have a examining account to qualify for the payday loan. Look at the paperwork expected by your condition. Co-written by Kat Aoki Author Kat Aoki was a private finance writer at https://johnnyblrvx.thelateblog.com/34895123/33-payday-loan-things-to-know-before-you-buy