Hablamos Espanol | 888-942-3320Cover What Life Throws at You with a $1,000 Loan
Apply in Minutes with No Hard Credit Check
Need a $1,000 loan fast? Net Pay Advance has helped thousands of people find the cash they need. Apply online with an application that’s simple from start to finish.
- Simple, Secure Online Application
- 24/7 Support
- Get A Decision in Minutes
- Same-Day Funding
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- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Potential for Same-Day Funding
What Do I Need to Apply Now?
To apply, you must:
Live in a state where we’re licensed to lend
Be at least 18 years old with valid ID
Have an active checking account in your name
Where Can I Borrow $1,000 Instantly?
Skip the trip. Apply online and borrow $1,000 in minutes, from anywhere you are.
Whether you're on your phone, tablet, or computer, applying is easy.
Skip the drive to a store. Your couch, your car, wherever you have internet access, that's all you need to apply.
Check your loan status and access your account anytime, day or night.
How Do I Borrow $1,000 through Net Pay Advance?
Step 1: Complete Your Application
Complete a secure online application in just a few minutes.
Step 2: Receive a Quick Decision
Submit your application online and get a decision quickly. No hard credit check is required during the application process.
Step 3: Receive Your Funds
If approved, funds are deposited directly into your bank account or eligible debit card. Many approved customers receive funding as soon as the same day, depending on eligibility and funding method.
What Are My Loan Options for Getting $1,000?
Installment Loan
A $1,000 installment loan lets you borrow funds and repay over time with fixed payments.
Learn MoreLine of Credit
Available in multiple states
A $1,000 line of credit provides ongoing access to available funds up to your approved credit limit. Request funds when you need them and only pay interest on what you use.
Learn MoreNot every product is available in every state. Product availability and approval are subject to eligibility requirements and state regulations.
Why choose Net Pay Advance
When unexpected expenses can't wait, it’s simple to apply for the funds you need.
Licensed and Trustworthy
We’re committed to following regulations designed to protect consumers and promote responsible lending practices.
Trusted by More Than 3 Million Customers
We've helped more than 3 million customers access online funding options when they needed a short-term financial solution.
Fast, Easy Online Application
Apply from your phone, tablet, or computer using the secure online application. The process is quick, straightforward, and designed with convenience in mind.
An Easier Experience for Returning Customers
If you've worked with us before, you may enjoy a faster reapplication process. Plus, you always have convenient access to your online account.
Friendly Customer Support
Have questions? Our customer support team is here to help before, during, and after the application process.
What Customers are Saying About Net Pay Advance
See why over 8,000 5-star reviews recommend Net Pay Advance for online payday loans.
Rates, Terms, and Licenses
For a complete list of rates and terms -- including Annual Percentage Rate and length of loan -- visit the applicable state rates and terms page.
Frequently Asked Questions About $1,000 Loans
What credit score do I need for a $1000 loan?
You don't need a minimum credit score to apply for a $1000 loan online. A hard credit check isn’t part of the application process, so you can apply whether you have good credit, bad credit, or limited credit history. Approval is based on eligibility requirements, state regulations, income, and other underwriting factors.
How much is the monthly payment on a $1000 loan?
Your monthly payment for a $1000 loan depends on the loan product, your state, the amount you borrow, and your approved rates and terms. Because lending requirements vary by state, payment amounts and repayment schedules can differ.
To learn more about the rates and terms available where you live, visit the applicable Rates & Terms page. Loan amounts are based on eligibility, income, state regulations, and other underwriting factors There are different lending options available, and approved customers may qualify for an amount that fits their financial situation. The fastest way to see the loan options available to you is to complete a secure online application.
Where do I get a $1,000 loan?
You can apply for a $1,000 loan online if you live in a state where we offer eligible loan products. Depending on your location and eligibility, you may qualify for an installment loan or a line of credit that provides access to up to $1,000.
Net Pay Advance currently offers products with access to funds up to $1,000 in Wisconsin, Kansas, Missouri, Louisiana, Utah, Tennessee, and South Carolina. We are licensed as a Credit Access Business in Texas and assist eligible consumers to find a loan from an unaffiliated third-party lender. Product availability, loan amounts, and approval are subject to state regulations, eligibility requirements, and underwriting criteria. The quickest way to find out what's available in your state is to complete a secure online application.
How long does it take to receive my $1,000 loan?
Many applicants receive a lending decision within minutes after submitting a completed online application. If you're approved and qualify for eligible debit card funding, your funds may be available as soon as the same day. Otherwise, funds are typically deposited into your bank account by the next business day through ACH.
Funding times can vary based on your application details, eligibility, your financial institution's processing times, weekends, holidays, and daily funding cutoff times.