Payday Loans Online

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 secure online loan application in minutes and receive an instant offer if you qualify. If you are a line of credit customer, request a draw on your approved funds to recieve your money. Payday loan and installment loan customers have approved funds deposited automatically. We offer both same-day and next-day funding options to approved applicants.* If you’re approved and have a valid debit card on file, you can receive same-day funding with the money transferred directly to your account within minutes. Approved for next-day funding? Once you sign, we’ll make sure the funds are ready in your account the next business day. Our hassle-free, all-online process is designed to keep you moving forward quickly and securely.

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 offers instant funding to eligible new and return customers! Eligibility for instant funding requires satifying lending rules and including a valid debit card on file. If your debit card doesn’t accept same-day deposit, 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.

Payday loans are provided by various lenders, including storefront lenders, online lenders, and some credit unions. Net Pay Advance specializes in online payday loans, allowing you to apply conveniently through our website or mobile app. This gives you access to fast cash advances without needing to visit a physical location. Need cash fast? You could qualify for instant funding and have funds in less than 5 minutes.* Apply now!

Online payday loans are available from Net Pay Advance for those in California, Kansas, Missouri, Texas, Tennessee, Utah, and South Carolina. 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 eligible new and returning customers with a debit card on file!