A prepaid debit card service may be a convenient way to get a payday loan. Typically, such cards come with the same risks and expenses as any other short-term loan. Before you commit to a lender, learn how payday loans work to ensure they’re the right fit for you. Check into Cash, Ace Cash Advance, and Speedy Cash grant the opportunity to lend money with a prepaid debit card. Last, take this kind of lending as a last resort solution, and interest rates are high, and APRs may reach 700%.