On-the-Spot Loans, No Credit Check Hassles

On-the-Spot Loans, No Credit Check Hassles

Get fast online loans with no credit score required

Apply Now

No credit score required, quick decision, same-day funds available.

Where are you located?

This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot This upside down shield-shaped badge shows Net Pay Advance's three values of being a 'simple secure trusted' online payday loan provider. White text is on a blue and green background. At the bottom of the badge, there is a blue shield with a green checkmark. 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. This upside down shield-shaped badge shows Net Pay Advance's three values of being a 'simple secure trusted' online payday loan provider. White text is on a blue and green background. At the bottom of the badge, there is a blue shield with a green checkmark.

Apply now for on-the-spot loans
with no credit check barriers

Apply now for on-the-spot loans with no credit check barriers

At Net Pay Advance, access funds swiftly with no credit check hassles. Regardless of your credit history—good, bad, or none—you’re eligible to apply now. We conduct only a soft credit check, ensuring your credit score remains unaffected.

Apply Now

What are no-credit-check loans?

Many lenders talk about “no credit check loans.” What they likely mean is there’s no hard credit check. These lenders might do what’s referred to as a “soft credit check” to confirm your identity. It doesn’t consider your credit, and it doesn’t leave a lasting impact on your credit report. It means even if your credit isn’t perfect, you can still apply with peace of mind.

No hard credit check takeaways

green checkmark

Apply today with no credit requirements

green checkmark

Zero impact on your credit score

green checkmark

Confidently apply for an instant decision

No credit check clipboard

Online loan requirements

Apply Now

No hard credit check.

green money envelope

Income vertification

Net Pay logo with a location pin next to it

State of residence

silhouette of a person with a 18+ sign next to him

18+ years old

a graphic of a  military man's arm saluting

Not active military

piggy bank with a coin going in to it's back

Bank account active for +30 days

Apply Now

No hard credit check.

Soft credit check, no worries

Soft credit check,
no worries

Traditional loans can be tough on your credit score due to hard credit checks. At Net Pay Advance, we take a different approach. We utilize a soft credit check system, ensuring that your credit remains unaffected when you apply. Say goodbye to worries about credit and hello to financial flexibility.

Hard credit check vs. soft credit check

Hard credit check

  • Can affect your credit score
  • You must give consent to run a hard credit check
  • Visible to others on your credit report for two years
  • Commonly used for mortgage applications, auto loans & other traditional financing options

Soft credit check

  • Does not impact your credit score
  • Ran by a creditor for regular account maintenance or pre-screen
  • Inquiry only visible to you & falls off within 30 days
  • Commonly used for short-term lenders, insurance providers, employers, ect.

On the spot loans with no hard credit checks are available with Net Pay Advance. We only do soft checks, which won’t affect your credit score. So go ahead, check if you’re eligible for a loan with us, and it won’t hurt your credit at all.

Apply Now

Get an immediate on-the-spot decision.

Get an immediate on-the-spot decision.

Applying for a loan with less-than-perfect or bad credit

15.5% of Americans have "bad" credit text in front of a map of the US

Traditional loans


Online payday loans


Traditional loans aren’t always an option, so online payday loans may be your chance to get ahead. We don’t look at your credit score; we check other things, making loans more available for emergency expenses.

Choose Net Pay Advance for on-the-spot loans

Green and Blue Calendar behind a clock

Free due date extensions

Flexible support to accommodate your schedule

No credit check clipboard

No hard credit check

Hassle-free approval process without impacting your credit score

Five star Net Pay logo with headset around it

Friendly customer service

Dedicated assistance from our helpful team

Netpay customer service employee helping customer over the phone
Apply Now
Contact Us

Choose Net Pay Advance for on-the-spot loans

Green and Blue Calendar behind a clock

Free due date extensions

Flexible support to accommodate your schedule

No credit check clipboard

No hard credit check

Hassle-free approval process without impacting your credit score

Five star Net Pay logo with headset around it

Friendly customer service

Dedicated assistance from our helpful team

Apply Now
Contact Us