We Offer MORE Than Just Cash.

At Net Pay Advance, we can help you get the online payday loan you need fast. We also offer more resources and incentives to our loyal Net Pay Advance Customers.


Learn all about our exciting rewards program and opportunities!

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New customer? Apply now

Enjoy the Benefits of Being a Net Pay Advance Customer

You’re in the VIP circle now! Learn more about all these special perks you get to enjoy as a Net Pay Advance customer.

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Shorter Application

Say goodbye to long applications. It takes less than 30 seconds to reapply for a payday advance with us! Verify your information and you’re done.

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Along with saving time, you can also save money. Download our mobile app, keep a valid debit card on file, and make on-time payments to earn points towards discounts!

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Helpful Resources

Check out our free financial resources! Learn how to save money, plan for retirement, improve your credit score, and more.

Need an Extension?

We get it, life happens.

Net Pay Advance offers a FREE due date extension for all customers!

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orange bullet point   Log into your account.

Click here to log in.

orange bullet point    Make an extension request.

orange bullet point    Resign your updated loan documents

It’s as easy as 1, 2, 3!

Utilize The Net Pay Advance Referral Program

Love being a Net Pay Advance VIP customer? Text your unique referral code to a friend to earn points towards a discount. There is no limit on the number of referrals!

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Unlimited Referrals

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Unique Code

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Happy Friends

Our Mobile App

Access your Net Pay Advance account any time or anywhere right from your device.

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Frequently Asked Questions

At Net Pay Advance, we care about you. We are here to help. Check out our FAQs below. Did we miss your question? Contact us today to speak with a live representative.

Our application requires an e-signature which we unfortunately cannot submit for you. If you need help navigating through the application process our Customer Service team would be happy to help!

Our decision process happens quickly! You will know if your application has been approved or denied within 1-2 minutes of completing your application. If additional verification is needed to determine a decision we will let you know.


What are your requirements?

  • All applicants must be at least 18 years of age.
  • Legal residence in a state where we are licensed to operate. We operate in California, Kansas, and Texas.
  • Bank account for longer than 60 days.
  • Valid driver’s license.
  • Proof of income (paycheck or benefits).

What is your decision based on?

Each application is reviewed individually to determine if we are able to extend a loan to the applicant. While there is no specific formula for a decision; our underwriters use all information from the application to reach a result.

Loan due dates are determined by the applicant’s pay dates and on loan repayment regulation determined by the state.

No. Since Net Pay Advance does not pull credit scores for our loan application, we do not report to credit bureaus with payment history. The good news is that our products will not hurt your credit either. Additionally, we do not use a credit score to determine if an applicant is eligible for approval.

Loan amounts differ state by state and are regulated by state legislature. Each application is reviewed and depending upon qualifications are presented an “up to” maximum amount. Amount may also be dependent on product type, including payday loan, installment loan, and line of credit.

Payments are run on the due date determined with the information above. Free due date extensions are available of up to 3-5 days depending on each loan type. These extensions can be set up to 24 hours before the loan due date by logging into your account.

All loan deposits are funded via ACH to the bank account information on file. If that bank account is linked to a debit card, a customer can use their debit card to spend the funds.

Yes and no. We can accept a payment of your loan with a prepaid card, but we do not fund to prepaid cards.

Yes! We offer same day funding to both new and return applicants that have a valid debit card on file.

Unfortunately, we cannot. Due to privacy concerns, we are unable to acquire this information from the bank over the phone without the customer included in the phone call.

Net Pay Advance is not able to verify information over the phone with your bank on your behalf. In order to verify updated information, the customer must also be present in the phone call.

Changes to locked fields in your customer profile can be changed with the help of our customer service team. Call 888-942-3320 or use our live chat option to request updates to locked information.

Finally Convinced?

Hooray! Start reaping the rewards of becoming a returning Net Pay Advance customer by applying today.

Apply Now
Psst! Thanks for being so awesome. I’ve created a playlist just for you. Enjoy!
Maria, Net Pay Advance Loan Expert


Net Pay Advance Virtual Loan Expert