Explore Payday Loans Online

Get to know the trusted payday advance options we offer

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Compare this loan
Compare this loan

Explore Payday Loans Online

Get to know the trusted payday advance options we offer

Compare Loans
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Requirements to apply

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18 + blue icon

18 years of age or older

Bank structure with a dollar sign within it

Active bank account

Net Pay logo with a pinpoint shape next to it

Residency in state where we operate

18 + blue icon

18 years of age or older

Bank structure with a dollar sign within it

Active bank account

Net Pay logo with a pinpoint shape next to it

Residency in state where we operate

Apply Now button with a mouse icon hovering over it
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Dollar bill with wings out of the sides
Blue road icon
Headset sitting on top of a net pay logo

How payday loans online work

See How It Works

How payday loans online work

At Net Pay Advance, it’s faster than ever to get a payday advance for emergency expenses.

The process is simple: apply, get an instant decision, receive fast cash, regain your financial control, and pay it back at the end. Easily manage your account online or in our cash advance app. Don’t miss out! Apply today.

See How It Works

Life happens. Instant loans help you get back to what matters.

Need instant cash to cover an urgent expense before payday? We can help. Our online payday loans are designed to be quick and simple.

Need instant cash to cover an urgent expense before payday? We can help. Our online payday loans are designed to be quick and simple.

Life happens. Instant loans help you get back to what matters.

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Woman looking on her phone while graphic of phone shows a UI for a loan app

Life happens. Instant loans help you get back to what matters.

Woman confused speaking on her phone
Woman looking on her phone while graphic of phone shows a UI for a loan app

Need instant cash to cover an urgent expense before payday? We can help. Our online payday loans are designed to be quick and simple.


Compare the payday loans online we offer


Sates available


Eligible amounts


Loan term



Credit check


Return fee


Can you receive multiple return fees?


Late fee


Does the minimum payment decrease my principal balance?


How often will a payment be due?


Do we accept partial payments?

Single-Pay Loan

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$100–$255


7–31 days (before it must be rolled over or bought down)


3 days



$15


No


N/A


N/A


Every payday


No

Installment Loan

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$100–$1,200


180 days – due dates determined by customer pay dates


5 days



$30


Yes, one for every returned ACH


Yes, $7.50 on the 11th day past due


Yes


Every payday


Yes

Line of Credit

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Minimum amount varies by location. Up to $3,000


Open-ended loan, no end date. Requires at least minimum statement payment on due date


5 days



N/A


No


Yes, up to $10


Yes


Statement minimum payment due every payday; however, there’s no set date that loan must be repaid in full


Yes

Compare the payday loans online we offer

Single-Pay Loan

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Installment Loan

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Line of Credit

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Online loans tailored for your needs

Customer stories based on real reviews

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No credit needed. Instant decision.

No credit needed. Instant decision.

★★★★★

“Net Pay Advance [was] very helpful in lending me the amount of money that I needed to get my car fixed. Other loan [companies] kept sending me to a lot of different lenders. Will choose this company in the future [if] I needed to borrow money again.”

Chris's storyblue flip arrow

blue flip arrow

Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.

★★★★★

“Net Pay Advance [was] very helpful in lending me the amount of money that I needed to get my car fixed. Other loan [companies] kept sending me to a lot of different lenders. Will choose this company in the future [if] I needed to borrow money again.”

Chris's storyblue flip arrow

blue flip arrow

Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.

★★★★★

“I really appreciate the speed at which Net Pay Advance deposited my funds. My tenant didn’t pay her rent and I had an emergency that afternoon, applied for the loan, and received the funds that I needed literally the next morning. Thank you Net Pay Advance! ♥︎”

Jenna's storyblue flip arrow

blue flip arrow

Jenna’s client didn’t pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She’s approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.

★★★★★

“I really appreciate the speed at which Net Pay Advance deposited my funds. My tenant didn’t pay her rent and I had an emergency that afternoon, applied for the loan, and received the funds that I needed literally the next morning. Thank you Net Pay Advance! ♥︎”

Jenna's storyblue flip arrow

blue flip arrow

Jenna’s client didn’t pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She’s approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.

★★★★★

“I have recently experienced several unexpected medical emergencies and was required to reimburse a significant co pay amount for which I reached out to NetPayAdvance with successful results. Thank you much for your assistance in this matter, as well as your friendly and knowledgeable customer service supervisors.”

Mike's storyblue flip arrow

blue flip arrow

Mike’s family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He’s approved for $2,500 and is able to pay his family’s medical needs as they happen. He makes repayments over time. He doesn’t have to reapply for a loan when the next need arises.

★★★★★

“I have recently experienced several unexpected medical emergencies and was required to reimburse a significant co pay amount for which I reached out to NetPayAdvance with successful results. Thank you much for your assistance in this matter, as well as your friendly and knowledgeable customer service supervisors.”

Mike's storyblue flip arrow

blue flip arrow

Mike’s family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He’s approved for $2,500 and is able to pay his family’s medical needs as they happen. He makes repayments over time. He doesn’t have to reapply for a loan when the next need arises.

*Please note that the customers referenced in these reviews are not the individual depicted in the story.

Payday loans near you

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Payday loans near you

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