Unfortunately, you won't be able to get a loan on your Direct Express card for several reasons:
- You need to be in employment to take out a loan, and I take it from the fact that you have this card that you are on benefits right now.
- You do need a bank account as most payday loan companies ask for a post dated check when you take out a loan, and the bank account is also needed to receive the cash. There are two lenders who will pay onto a prepaid card, but you would still need an income unfortunately.
- The only cash that can be added to the Direct Express card is the government payments that you receive. You can not add your own cash.
Is there maybe a family member who would be able to help? It's always a better idea to go for that method because loan companies don't care about people and love to add on interest which can get out of control for anyone really quickly.
I'm sorry I don't have better news for you, I hope you can find someone to help, I know how it feels to be short of money.