Payday Loans Online:
Money When You Need It Most

Apply for online loans through the Net Pay Advance website or the Net Pay Advance mobile app. Single-pay loans, installment loans, and lines of credit are available depending on your state of residency. Applicants must be over the age of 18, have a valid ID, active checking account and cannot be a member of the military.

You must live in a state where we are licensed to operate, be at least 18 years old, have an email address, and have a bank account in your name that’s been open and active for at least 30 days.

We accept paychecks as well as Social Security, Retirement, and Pension!

Contrary to popular belief, payday loans often have a soft credit check. Saying something is a “no credit check loan” isn’t quite accurate. Instead, payday lenders may do a soft credit pull. This pull is common and doesn’t impact your credit score. Net Pay Advance does a soft pull to confirm identity. Your score isn’t part of our decision-making process though. We know you’re more than just a credit score. We offer loans regardless of credit.

Getting paid is easy with Net Pay Advance. Fill out our simple and secure online loan application in minutes, and receive a qualified offer instantly. Our no hassle same-day payday loans require two things: an application and online signature. Once you sign, we take care of the rest. Within minutes, we transfer money to your account via same-day direct deposit. Our streamlined process is all online, made simple to keep you moving forward.

With an eligible debit card, funds will be deposited to your checking in minutes of signing your loan agreement. You get the money you need quickly and without delay, so you can cover the expenses you need and enjoy life uninterrupted. If an account cannot accept same-day deposit, funds will be deposited the next day via ACH. We put money in your hands, when you need it.

Quick is great, but instant is better! Net Pay Advance now offers instant funding to both new and return customers! All customers are eligible, but require a valid debit card on file to facilitate instant funding. If your debit card doesn’t validate, we fund your checking account the next business day via ACH.

We understand your concern. At Net Pay Advance we take your personal and financial safety seriously. We use the latest security software and carefully handle all private information. We also provide info on how to keep yourself safe from scam and fraud as well as an article on what to do if you ever find yourself a victim of fraud or identity theft.

Net Pay Advance may not have a physical store near you, but we are always in the palm of your hand. Apply online or through our mobile app 24/7. Our instant funding program has no time or holiday hour limitations, so approved funds could be in your account in less than 5 minutes!

Online payday loans are available from Net Pay Advance for those in California, Kansas, Missouri, Texas, and Utah. We currently offer single pay loans,installment loans, and line of credit loans. Apply online through our website or mobile app 24/7. Instant funding is available for new and returning customers with an eligible debit card!