The normal procedure to get approval for a payday loan is to have an active checking account to which the salary of the applicant is sent every month by his employer. As you are aware, lenders do not ask for collateral or any guarantee that the borrower will pay his money back. The bank account is a safeguard therefore in case the borrower defaults payment the lender can get the money owing him from that account. But, there are lenders that provide loans without a bank account where the money is either sent by wire transfer or by issuing a check.
Finding such a lender however can be difficult because of the risk to the lender in providing loans without a bank account. Therefore he will charge a very high rate of interest for this type of loan and unless the circumstances are exceptional, all payday loan applicants are advised to open a checking account which would easily help him to find a direct lender and make matters easier all round. read more here