Well, it’s commonly called a savings account payday loan, and it’s the simple So, what are the details, and how can you get a payday loan without a checking account? What Type of Loan is This? If you have a savings account payday loans, as an example, can be in your future… really, you can get payday loans with just a savings account! Savings Account Payday Loans August 28, 2008 · Filed Under Finance · Comment by Ethan Hunter There’s a lot of things you can do without a checking account. For this amount, the may charge you between $3,000 and $6,000. However, some lenders may offer zero points at a higher interest rate, which may significantly reduce your initial costs, although your payments may be somewhat higher.