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You + Net Pay Advance = The Perfect Match

Take The Next Step Of Your Journey With Us.

You recently applied for a personal loan and were matched with Net Pay Advance.
You can have fast cash tomorrow. We just need your help to finalize your approved loan.

Congrats! You’re approved.

So, what’s next?

Log In

Log in using the email and password provided in your email from Net Pay Advance.

From there, you’ll be instructed on how to finalize your loan.

OR

Contact Customer Service

Didn’t receive an email? Customer Service can get you squared away.

Toll-Free: 
1 (888) 942-3320

Text: 
1 (844) 505-3539

Click here to live chat

Payday Loan Limits

Limits set for your betterment.

States regulate payday loans with set limits.

We’re like you. We don’t like debt. It’s not only our obligation to adhere to these protections, but our mission to help safeguard you from troublesome debt.

You may stumble upon a loan provider who boasts loans beyond these numbers, but that should trigger a red flag. Loan amount limits are regulated state by state. Net Pay Advance uses fair loan limits to safeguard you from getting a loan that is too difficult to repay. If an offer from another entity seems too good to be true, it usually is.

View Rates & Terms For Your State

People Love Us.

With 6,000-plus 5 star reviews on Trustpilot, it’s proven we’re a real company with real people, helping real people.

We’re driven by our loyal customer base. Join our community.

See For Yourself

Proudly a State-Licensed Direct* Lender

Using a direct lender, like Net Pay Advance, keeps everything — the application, approval, and payment processes — all under one roof. Working with a state-licensed direct* lender like Net Pay Advance also means your personal information stays safer and more secure.

An unlicensed indirect lender could forward your personal information — your name, address, and social security number, to name a few — to several loan companies. We don’t do that.

Unlike unlicensed indirect lenders, Net Pay Advance is held to regulatory compliance standards at both the state and federal level. We abide by these protections and lend you what you can cover to safeguard you from debt.

We back our promise to ensure you get the assurance and peace of mind you deserve.

*Net Pay Advance is a state-licensed direct lender in California and Kansas. In Texas, Net Pay Advance is a state-licensed credit access business and maintain an exclusive partnership with a single state-licensed direct lender to faciliate safe and secure loans for our customers.

Ready to hear about our awesome perks?

(Keep on scrollin’!)

Your Loans, Simplified In One Place.

Gain access to everything you need in our user-friendly customer portal.
Make payments, change due dates, verify your bank information, and much more.

Log In

Earn Discounts

Need we say more?

Earn points redeemable for discounts! Get rewarded for taking out a loan, adding a debit card, or referring a friend.

These points add up fast to help you save big on future loans.

Learn More About Rewards

Yes, we have it all.

Download the Net Pay Advance App

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

Our new app gives you the tools to manage your loans right from your mobile device. It’s always safe, secure, & convenient!

Yes, we have it all.

Download the Net Pay Advance App

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

Our new app gives you the tools to manage your loans right from your mobile device. It’s always safe, secure, & convenient!

Refer a Friend, Score a Discount

That’s right, referrals get you discounts.

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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Unique Code

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Unlimited Referrals

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Happy Friends

Frequently Asked Questions

Did we miss your question? View answers to our commonly asked questions below, or contact us today to speak to a live representative.

Contact Us

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.

Yes.

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.
  • 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. Customers can choose that amount or less, depending on their specific needs.

Payments are run on the due date determined with the information above. Free, 3-day extensions are offered to each customer and 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 deposit your funds using a routing and account number so as long as there is an account and routing number associated with the prepaid card, they are accepted.

No… not yet 🙂

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.

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.

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.

Our Top Priority Is You

Let’s make your experience worthwhile.