Hablamos Espanol | 888-942-3320Fast Online Loans, Payday Loans, and Cash Advances
Need money fast?
You’re in the right place.
No hard credit check, instant decisions, and funds as soon as today.*
Fewer steps, more speed
Have you borrowed with us before?
Return users enjoy a faster experience with 24/7 access to their account. Log in anytime to reapply, draw funds, or make a payment.
What kind of loan can I get?
We offer 3 different fast and simple online loans depending on your location.
Available in California
Payday Loan
A payday loan gives you quick cash, repaid on your next payday.
Available in Many States
Line of Credit
With a line of credit, funds are ready—just make a draw to use them.
Available in Texas & Wisconsin
Installment Loan
An installment loan lets you borrow and repay over time with fixed payments.
Step-by-step guide
How do I apply for a loan online?
Step 1
Fill out a quick online application
Step 2
Get an instant decision
Step 3
Choose your amount and receive funds
Simple, secure, trusted
Why choose Net Pay Advance?
Net Pay Advance makes borrowing simple and stress-free, with no hard credit checks, instant decisions, and funding as soon as today.*
14.2K Monthly Users
8K+ 5-Star Reviews
3M+ Loans Funded
Available When You Need It
18 Years of Experience
No Hard Credit Check
Available when you need it
18 Years of Experience
No Hard
Credit Check
14.2K
Monthly Users
8K 5-Star Reviews
3M+ Loans Funded
Customer reviews you can trust
Are Net Pay Advance reviews positive?
Yes! The fast, simple loan process has earned 8,000+ five-star reviews.
[Had] outstanding customer service and friendly and professional attitudes.
Yoshie
I have always had no issue with NPA, I process my loans online myself quickly and efficiently. Their site is easy to use….
Sarah
The customer service at Net Pay Advance is amazing. Angel was efficient, friendly, and knows how to make his customers smile…
AS
![Graphic showing 5 out of 5 stars for a customer review](https://netpayadvance.com/wp-content/uploads/2025/07/TrustpilotStars.png")
[Had] outstanding customer service and friendly and professional attitudes.
Yoshie
I have always had no issue with NPA, I process my loans online myself quickly and efficiently. Their site is easy to use….
Sarah
The customer service at Net Pay Advance is amazing. Angel was efficient, friendly, and knows how to make his customers smile…
AS
I just spoke to a young gentleman… He helped me tremendously and I got my loan. Thank you so much Luis!
Lorrie
Having a payday loan with net pay has been the easiest experience I’ve been through.
Raem
They have always helped me when needed. They also have amazing customers support.
DC
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