List of loans for holders of the

List of loans for holders of the

While most loans require a traditional bank account, there are some short-term lenders that offer loans for Netspend cardholders and you don’t need to have a bank account to qualify.

Keep in mind that these loans are typically high-interest, high-fee options that should only be used in a financial emergency.

Below, we’ve got more information on loans for Netspend cardholders, including lenders that do and don’t disburse funds on Netspend cards and an alternative way to get loan funds into your Netspend account.

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Netspend Cardholder Loans

Netspend offers Mastercard and Visa prepaid and reloadable debit cards that cardholders cánido use for additional services like direct deposit and mobile deposit.

While Netspend and its issuing bank, MetaBanks, do not offer cardholder loans, Netspend representatives told us that you perro deposit loan funds to your Netspend card just like you would a traditional bank account, since your Netspend account has a routing number and an associated account number.

But, to put loan funds on your Netspend card, you need to find a lender that’s willing to foreclose on prepaid debit cards.

Keep in mind that the types of loans available to prepaid debit card holders generally include emergency loans, payday loans, coche title loans, and short-term installment loans.

These types of loans should only be used in difficult times, as you will be paying high fees and interest along with the loan amount; short-term loans cánido lead to a cycle of debt if you cánido’t pay them off quickly.

If you perro, you may want to find the money in a different way, such as finding a source of secondary income or borrowing from a friend or family member.

Lenders who deposit with Netspend

The following lenders told us they cánido disburse loan funds to a Netspend account, depending on the payday loan regulations in your state, the type of loan you choose, how you apply, and where you originally obtained your Netspend card.

We’ve researched company policies en línea and talked to customer service representatives to compile the details of each lender below, including their requirements, available loans, and disbursement processes.

Our list also includes fees for each lender; Please note, however, that these fees are approximate, as fees and rates vary by state in accordance with lending regulations.

We’ve sorted the list starting with the best overall options.

ACE Cash Express

  • Type(s) of loan(s): payday loans
  • Loan disbursement: In-store loans are disbursed in cash, but you cánido request disbursement to a prepaid debit card en línea as long as you have an account number and routing number.
  • Application requirements:
    • personal contact information
    • regular source of income
    • Popular Security number
  • Fee:
    • Payday advance fee: $10 to $20 per $100 borrowed, depending on your status
    • Late Payment Fee: Greater of $7.50 or 5% of payment amount
    • Return Payment Fee: $15 to $30
    • Administrative Fee (Minnesota and Texas): $25
    • Verification fee (Florida only): $5
  • Available in: California, Florida, Kansas, Louisiana, Minnesota, and Texas
  • Learn more or request

check city

  • Type(s) of loan(s): Payday loans starting at $100; Maximum loan amounts vary by state and your creditworthiness
  • Loan disbursement: En línea applicants perro deposit funds onto a Netspend card as long as the card has an account number and routing number, a Check City corporate customer service representative said.
  • Application requirements:
    • personal contact information
    • proof of income
    • proof of identity
  • Fee:
    • Finance charge: About $15 to $30 per $100 borrowed for 14-day loans
    • Late and Insufficient Funds Fees: $15 to $30
    • Origination Fee: $5 per loan
  • Available in: Alabama, Alaska, California, Hawaii, Idaho, Kansas, Missouri, Nevada, Texas, Utah, Washington, Wisconsin, and Wyoming
  • Learn more or request


  • Type(s) of loan(s): Installment Loans up to $5,000, Payday Loans up to $1,000, Signature Loans up to $500, and Title Loans up to $500
  • Loan disbursement: Moneytree cánido fund your Netspend card if you originally purchased the Netspend card at a Moneytree and it is connected to your Moneytree account.

    If a Netspend deposit is available, the option will appear when you select how you want to receive the funds during the approval process, Moneytree customer service representatives said.

  • Application requirements:
    • Government-issued photo ID
    • Popular Security Number, Alien Registration Number or ITIN
    • Residential address
    • Phone number
    • verifiable income
    • Additional documents may be required, depending on the type of loan you choose
  • Fee: Varies by state, loan amount and loan type – the following are estimates
    • Admin Fee: About $75
    • Installment Loan Origination Fee: 5% to 10% of loan amount
    • Late Payment Fee: $10 to $13 or 5% of payment amount
    • Return Payment Fee: $20
    • Payday Loan Fee: $15 to $20 per $100 borrowed
    • Title Loan Fee: $25 per $100 borrowed
  • Available in: California, Rojo, Idaho, Nevada, and Washington; Loan type availability varies by state
  • Learn more or request

Advance America

  • Type(s) of loan(s): Payday loans and cash advances up to approximately $600; Limits vary by location
  • Loan disbursement: You cánido deposit your payday loan funds onto a Netspend card by visiting an Advance America store, customer service representatives said.

    You perro complete the entire application process in-store or start your application en línea and choose to pick up your funds in-store.

  • Application requirements:
    • Government-issued photo ID
    • proof of income
    • Popular Security number
  • Fee:
    • Financing Fee: About $15 for every $100 borrowed
    • Late and Returned Fees: Varies
  • Available in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and wyoming
  • Learn more or request


  • Type(s) of loan(s): coche title loans; Loan amounts vary by vehicle model, mileage and location.
  • Loan disbursement: LoanMart perro deposit your funds to your Netspend card using the account number and routing number, customer service representatives said.

    Funds are transferred as soon as 24 hours after approval.

    If LoanMart cánido’t put the money on your card, it will send you a check or a MoneyGram transfer.

  • Application requirements:
    • Government-issued photo ID
    • You must own a car and have the title in your name
    • Proof of residence
    • Proof of income or ability to repay the loan
  • Fee:
    • Late payment charge: 5% of the amount of the pay
    • Loan origination/processing fee: 5% to 10% of loan amount
  • Available in: Alabama, Arizona, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Missouri, New México, Oregon, South Carolina, South Dakota, Tennessee, Texas, and Utah
  • Learn more or request

Capital Good Fund

  • Type(s) of loan(s): Emergency loans from $300 to $500
  • Loan disbursement: Capital Good Fund will deposit the funds into your Netspend account vía an ACH transfer.
  • Application requirements:
    • Government-issued photo ID
    • Prepaid debit card with ACH capabilities and two months of billing statements
    • Proof of emergency need, such as an outstanding bill or a note from a mechanic
  • Fee: Variable APR
  • Available in: Delaware, Florida, Massachusetts, and Rhode Island
  • Learn more or request

Lenders who do not deposit with Netspend

During our investigation, we discovered that the following lenders will not deposit funds into a Netspend card account.

These lenders require a traditional checking account, only allow deposits to other types of prepaid debit cards, or use a different loan disbursement method (eg, cash, check, Moneygram transfer).

  • The Check Cashing Store
  • Check Cashing USA
  • Check Into Cash
  • Check ‘N Go
  • Finova Financial
  • Money Mart
  • OneMain Financial
  • regional finance
  • speedy cash
  • TitleMax
  • USA Check Cashing Store

an alternative solution

If a lender doesn’t deposit the funds into your Netspend account, you perro request to receive the funds in cash or by check and then load the money onto your Netspend card yourself.

You perro check our related article for the list of places where you perro top up your Netspend card.

Many loan providers, especially for small, short-term loans like payday loans, pay by cash or check if you apply at the store.

These include:

  • ACE Cash Express
  • Advance America
  • Check ‘n Go
  • The Check Cashing Store
  • Money Mart
  • regional finance

Requirements may include proof of income, your personal contact information, your Popular Security number, and a government-issued photo ID.

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 List of loans for holders of the
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