Online Loans Missouri

Same-day* loans with a line of credit up to $3,000

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No hard credit check. Instant decision.

No hard credit check. Instant decision.

This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot This badge shows that Net Pay Advance is a 'state licensed direct lender'. In the center is the image of a bald eagle and 4 stars. This green blue and white circular badge shows that Net Pay Advance is 'Confidential and secure'. There's a lock icon in the middle and three white stars at the bottom. The words simple, secure and trusted on a blue and green badge with a green checkmark
What you need to apply
Eighteen plus icon

18 years of age or older

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Missouri residency

Eighteen plus icon

Active bank account

Missouri License Plate

A line of credit helps you access same-day* funds

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Line of Credit

A revolving line of credit gives you access to fast funds when you need them. Draw from an approved credit limit up to $3,000 and make convenient payments.

Learn More About A Line Of Credit

From the Arch to the Liberty Memorial:
How to get online loans in Missouri

Windy blue road with 3 steps on how to apply for a loan
Computer mouse clicking on Apply Now button on a website indicating step one of the loan application process

Complete our simple and secure online application in minutes. Once you hit submit, we’ll take care of the rest.

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Our team will review your
application and give you an
instant decision.

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Make a draw from approved funds
and receive them the
same day*! $50 draw minimum

Step 1

Complete our simple and secure online application in minutes. Once you hit submit, we’ll take care of the rest.

Step 2

Our team will review your application and give you an instant decision.

Step 3

Make a draw from approved funds and receive them the same day*! $50 draw minimum

Apply Now

See why thousands of customers love us

Our mission is to provide the best payday loans online for our customers. Read what over 8,000+ people say about us!

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Missouri rates and terms

When choosing direct lender loans, transparency is key. As a Missouri-licensed direct lender, we’re committed to providing clear rates and terms to help you make informed decisions.

Online loans Missouri—Fast, reliable help near you

We’re your trusted local lender, providing Missouri residents with quick and convenient same-day* loans. Apply anytime online or from your phone! Below are just a few of the Missouri cities we proudly serve:

Red/pink map pin drop icon Online loans St. Louis, MO

Red/pink map pin drop icon Online loans Springfield, MO

Red/pink map pin drop icon Online loans Warrensburg, MO

Red/pink map pin drop icon Online loans Macon, MO

Red/pink map pin drop icon Online loans Warrenton, MO

Red/pink map pin drop icon Online loans Bolivar, MO

Red/pink map pin drop icon Online loans Joplin, MO

Red/pink map pin drop icon Payday loans St. Louis, MO

Red/pink map pin drop icon Payday loans Springfield, MO

Red/pink map pin drop icon Payday loans Warrensburg, MO

Red/pink map pin drop icon Payday loans Macon, MO

Red/pink map pin drop icon Payday loans Warrenton, MO

Red/pink map pin drop icon Payday loans Bolivar, MO

Red/pink map pin drop icon Payday loans Joplin, MO

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Blue and green graphic of the state of Missouri with text on top saying Missouri we've got you. and the Net Pay Advance logo below it.

Quick same-day loans up to $3,000.*

Quick same-day loans up to $3,000.*

Apply Now

Trusted direct lender loans

Direct lenders offer high security

A light blue computer and smart phone are looked at under a magnifying glass. The computer says "state licensed" and "certified direct lender". The phone showcases a call with Net Pay Advance. The magnifying glass is light blue. It all sits on top of a yellow background. In the bottom left of the picture, there is a green, blue and white badge that says Net Pay Advance is a "state licensed direct lender". It has an image of eagle in the center.

Determine if a loan provider is a state-licensed direct lender by seeing if they

  • List the information on their website
  • Can provide you with license information if you call and ask

Fast loan process with revolving line of credit

The process is simple with us. Apply for a Missouri line of credit with no hard credit check. You will instantly be given a decision on your application. If approved, make a draw and funds will become available for you to use. If you have a valid debit card on file, you may get same-day* loans with instant funding.* Otherwise, you can receive your money with a next-day deposit. We make payments convenient, too. You can log into your account at any time. There, you can view your loan information. You can also call us to speak with a live representative.

Smart practices for your cash advance

Each year, almost 12 million Americans choose to take out a personal loan. For some, getting a cash advance is the quickest option for their situation. Our simple online process makes it even more convenient. That is why it is important to be aware of some good loan practices to follow. Here are a few of our recommendations to help you have a positive online loans experience.

A blue and green clipboard with a checklist of best practices when working with an online payday loan provider. There's a yellow checkmark in a blue box next to each of the following suggestions. The suggestions are in blue text and say the following: "Only borrow what you need. Work with one lender at a a time. Only borrow for emergency expenses. Repay your loan ASAP!"

• Apply for only the funds you need to cover an emergency expense.

• Work with one payday lender at a time.

• Use an online payday loan for urgent expenses only.

• Pay your personal loan amount as soon as possible.

Convenient payments for online loans

One of the best practices is to make your payments as soon as possible. This will allow you to avoid late fees. Did you know that at Net Pay Advance, you can get a due date extension of up to 5 days for free? We are here to help our Missouri customers. If you realize you will not have funds on time, give us a call or set up a free due-date extension in your account online. We can also offer a Promise-to-Pay (PTP) plan. Learn more about your payment options any time.

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