
A line of credit helps you access same-day* funds
Need fast financial help? Net Pay Advance offers same-day* loans with a line of credit in the Show-Me State. Enjoy a quick application process, instant decisions, and same-day* deposits to tackle urgent expenses—faster than the Missouri Tigers on game day!

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.
Trusted direct lender loans
Choosing a direct lender like Net Pay Advance for your online loans in Missouri offers many advantages. Direct lender loans are typically fast, simple, and secure. When you opt for direct lender loans, you can access the cash you need quickly while avoiding the risks associated with borrowing from indirect lenders. As a state-licensed direct lender, Net Pay Advance not only provides same-day* loans, but we also follow strict regulations to help protect your privacy and security.
Direct lenders offer high security
Security is our top priority when providing direct lender loans. At Net Pay Advance, we’re committed to the security of your information. Unlike indirect lenders, we never sell your data to third parties. Instead, we regularly update security protocols and training programs to help safeguard your data.
When you choose same-day* loans from a trusted direct lender in Missouri, you can feel confident knowing that your data will not be sold. Indirect lenders may share your information with unverified sources, leading to unwanted, unsolicited offers for loans you didn’t request. With direct lender loans from Net Pay Advance, you won’t have to worry about hidden risks.
With our state-licensed direct lending services in Missouri, you can have confidence in our commitment to responsible and secure handling of your information. We’re with you each step of the way.

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.
• 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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