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Although the take up of debit cards in the UK is very high there is still a significant percentage of people who do not possess a debit card. You may have a current account with your bank but have either been unable to get a debit card for that account or have just not had the time to apply for one.
A lot of short term unsecured loans that are available on the internet do require you to have a debit card. Remember these are unsecured loans so the lender is taking a great risk in lending you the money. With you having a debit card it gives the lender that bit of extra security and confidence in you to be able to pay back the loan.
If it is at all possible then you should get a debit card to go with your current account. You don't have to use it but it improves your ability to get a debit card loan. Getting a debit card may not be appropriate at this particular point as you may currently urgently need a fast loan to take care of some urgent emergency expense. This is something to consider for the future because if you ever need a quick debit card loan again having a debit card attached to your current bank account will increase your chances of getting a loan.
Right now it may not be practical or possible to get a debit card, after all you desperately need that loan now and haven't got time to go to the bank and then have to wait days for the card to arrive. Your current situation does not mean you will not be able to get a debit card loan.
There are debit card loan lenders who are able to lend you the money you need right now. Each lender whilst requires you to meet certain criteria does have their own particular criteria when lending money. Whilst some lenders require you to have a debit card others will get you a debit card loan without the need for a debit card.
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