What if you really need a payday loan but you don't have a bank account? There are some places online (and also offline) that are willing to give you the money, altough you may pay very big interest rates. In this case, if you really need that payday, I would say that the best thing you could do is to open a bank account, checking account or a bank account - the majority of the payday lenders are going to ask for this type of checking account in order to transfer you the money. If you don't have enough money to pay your bills and other stuff, then you could also check some local charities and churches in order to get the money you really need. 

   If yo really need a payday loan and you don't have a bank account then you may have some other options like friends, family or to go to sites like prosper.com - peer to peer biding in order to get the money you need. The fact is that you have to be sure that you're going to get the money and you're not going to be fooled. Desperate people are easily to be fooled because they hurry up, they need money fast and they don't start to read and shop around for the best payday loan or any other type of loan. If you are wise I would say that you don't get a loan and play nice with your financial situation, borrow some money from friends and so on, but that's just me.

   What if you're trying to get out of your payday loans? What should you do in this case? 

   The worse thing that you should do is to get another payday loan to pay the first payday loan interest - yes, this is the worse thing you could do, it does not matter how desperate you are, it does not. In this case, if you don't have any relatives or things like this, you should go and try some charity sites in order to get some free money. 

   How does the trend of payday loans with no bank account changed? 

   At first there were not so many payday lenders that are willing to give people money if they don't have a bank account - but now, with the financial crisis, most of the people do have problems, no checking account and if subprime and private lenders want to make money, they have to invest and to risk. 

   Also, remember that a payday loan is just something short term - don't get something long term, like a car or something else with a payday loan, only if it's an emergency. 

   Can you get a payday loan to your savings account? 

   I remember one of my friends did not have a bank account - checking account, but he had a savings accound and he asked me that question - the answer is yes, there are some lenders that are going to put your money in your savings account. There are many lenders online but you don't have to be fooled by the low interest rate titles on their web pages - they may not be the best choice, but a way to make you get money from them, simple as that. 

   Most of them tell you to provide a legit account in order to get your money instant there - it does not matter if it's a savings accont or a checking account, but there is a catch. They may want a bank statement in order to prove you are legit and they could take the money you have to give to them. 

   So, where's the catch? If you borrow $100, next month you'll have to gave to them up to $150 more or less. So, you don't have money now, so, where are you going to pay more money in the future?