There are various ways through which one can acquire a loan. Generally at the time of enjoying a loan, you need to have an active checking account.Banks in order to assess the credentials of their potential customers do run various data checks and checking your saving or checking accounts is one of the way to assess your credentials.
However, there are no short cut ways to acquire quick moneys. Banks in order to safeguard their interests do have set mechanisms which provide them a level of security cushion when they lend. Lending which is unsecured like credit cards, personal loans and revolving credit schemes do require a lot of effort on the part of banks to effectively monitor and manage these quick money loans. Therefore, in order to better manage them and having a complete control over the portfolio of their consumer loan portfolio they must identify certain validity checks which are required for the sanctioning of any loan to any one. Without this they run a great risk of incurring losses and finally going out of the business. Therefore, there is no quick way to get a loan without checking account but a non active checking account with less frequent transactions in it may suffice.