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Trusted Payday Loans Online

Get a paycheck advance in a pinch.

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Disclaimer: Eligible loan amounts vary per state regulation.

Simple fast loans. So you can get back to what matters.

Need an immediate loan to cover an urgent expense between paydays? We can help. Our online payday loans are designed to be quick and simple.

Apply now to see if you qualify.

Simple fast loans. So you can get back to what matters.

Need an immediate loan to cover an urgent expense between paydays? We can help. Our online payday loans are designed to be quick and simple.

Apply now to see if you qualify.

For emergencies that arise out of the blue

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For urgent expenses that can’t wait

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For approvals without a credit score requirement

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For financial help between paychecks

Fast loans online to match your unique needs

Single-Pay Payday Loan

A single-pay payday loan is a small, short-term paycheck advance. It is paid back in full on your next payday. A great one-and-done solution.

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Installment Loan Online

Our installment loans give you the cash you need and flexibility to make small, fixed payments over time. No penalty for early payoff. These are typically repaid over 180 days.

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Online Line of Credit

With a line of credit, you have access to funds like a credit card. Draw from your credit limit and repay over time. No need to reapply between draws.

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Fast loans online to match your unique need

Payday Loan

A payday loan is a small, short-term personal loan. Our simple and fast loans are usually paid back in about 7 to 31 days, when you get your next paycheck.

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Installment Loan

Net Pay Advance offers an installment loan product option for Texas residents. You can repay this personal loan in smaller amounts over a 6-month period.

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Line of Credit

A line of credit account gives you access to cash when you need it. Draw from up to $3,000 and make monthly payments on your balance like a credit card.

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Apply and get an instant decision

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Receive funds and pay off your emergency expense

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Manage your loan repayments with our convenient options

How it works

At Net Pay Advance, we offer simple fast loans with no collateral and no credit needed. We offer instant funding options with an eligible debit card on file. No debit card? No problem. We also offer quick next-day loans for those without a debit card.

Manage your loan repayments in your account, via text, or in the palm of your hand with our mobile app. It’s all just a click away.

From the comfort of your own home or office, apply for a Net Pay Advance payday loan online today!

See how it works in action

How it works

Manage your loan repayments in your account, via text, or in the palm of your hand with our mobile app. It’s all just a click away.

From the comfort of your own home or office, apply for a Net Pay Advance payday loan online today!

Apply and get an instant decision

Receive funds and pay off your emergency expense

Manage your loan repayments with our convenient options

See how it works in action

Requirements to apply

You must be at least 18 years of age or older

A bank account in your name & open for over 30+ days

Address in location where we’re licensed to operate

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Payday, Payments, and

A payday loan is a small personal loan that is designed to be a solution for unexpected expenses between paychecks. The term is used to describe a few kinds of loans and repayment plans.

Depending on your state, you may get a single-pay payday loan, installment loan, or line of credit. A single-pay payday loan is traditionally paid back in full on your next payday. An installment loan is often a larger sum of money that is repaid bit-by-bit each payday. A line of credit is more flexible with monthly minimum payments that fall on your payday.

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Everyone has a unique situation. Our loans are solutions that we can offer you between paychecks and depending on your state’s regulations. Take a quick look at some examples here.

Chris
Single-pay payday loan

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.

Jenna
Installment loan online

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.

Mike
Online line of credit

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.

Payday, Payments, and

A payday loan is a small personal loan that is designed to be a solution for unexpected expenses between paychecks. The term is used to describe a few kinds of loans and repayment plans.

Everyone has a unique situation. Our loans are solutions that we can offer you between paychecks and depending on your state’s regulations. Take a quick look at some examples here.

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.

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.

As you can see, each loan repayment plan is centered around the person’s next payday. However, the amount and frequency change. As a state-licensed lender, Net Pay Advance upholds state and federal regulations related to short-term lending. We’re dedicated to providing high security levels as well. Our friendly team is here to help you be successful with your payday loans. Take a look at some frequently asked questions.

In today’s world, there are many expenses that can arise out of nowhere. We understand that life happens and we believe that people deserve access to help regardless of credit when it’s needed most. For that reason, we keep up with the digital world as well and are proud to be a trusted, legit lender. You can also find that we offer a convenient mobile app where you can manage your loans.

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Read about rates and terms in your state

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Customer reviews

Green speech bubble that quotes, Net Pay Advance was consistently there for me when I needed them. I couldn't have made it through my trying time without them. They are fair and cool! - Marshal

Red speech bubble that quotes, Net Pay Advance is a great company, always very helpful. Thanks! - Joan

This is by far the best loan company I have loaned from. The Customer service reps are always so helpful. I was in a bind today... and they immediately helped me figure out a solution. - John

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Payday loans near you

Net Pay Advance has been a state-licensed lender for short-term loans online for over a decade. We deliver simple fast loans to our customers in California, Kansas, Missouri, Utah, and Texas. Look no further for payday loans near you—you can apply online on our website. What could be closer? Select your state from the list to learn more.

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Payday loans near you

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Compare our online loan options

Eligible amounts

Loan term

Payment extension

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

(Currently available to residents of California only)

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$100–$255

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

3 days

No hard credit check

$15

N/A

Every payday

Installment loan

(Currently available to residents of Texas only)

Apply Now

$100–$1,200

180 days – due dates determined by customer pay dates

5 days

No hard credit check

$30

Yes, one for every returned ACH

Yes, $7.50 on the 11th day past due

Yes

Every payday

Yes

Line of credit

(Currently available to residents of Kansas, Missouri, and Utah)

Apply Now

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

No hard credit check

N/A

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 our online loan options

Single pay loan

(Currently available to residents of California only)

Apply Now

Learn more

Eligible amounts

$100–$255

Loan term

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

Payment extension

3 days

Credit check

No hard credit check

Return fee

$15

Can you receive multiple return fees?

Late fee

N/A

Does the minimum payment decrease my principal balance?

How often will a payment be due?

Every payday

Do we accept partial payments?

Installment loan

(Currently available to residents of Texas only)

Apply Now

Learn more

Eligible amounts

$100–$1,200

Loan term

180 days – due dates determined by customer pay dates

Payment extension

5 days

Credit check

No hard credit check

Return fee

$30

Can you receive multiple return fees?

Yes, one for every returned ACH

Late fee

Yes, $7.50 on the 11th day past due

Does the minimum payment decrease my principal balance?

Yes

How often will a payment be due?

Every payday

Do we accept partial payments?

Yes

Line of credit

(Currently available to residents of Kansas, Missouri, and Utah)

Apply Now

Learn more

Eligible amounts

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

Loan term

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

Payment extension

5 days

Credit check

No hard credit check

Return fee

N/A

Can you receive multiple return fees?

Late fee

Yes, up to $10

Does the minimum payment decrease my principal balance?

Yes

How often will a payment be due?

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

Do we accept partial payments?

Yes

Frequently Asked Questions

How can I borrow cash immediately?

If you need money in a pinch, a quick cash advance is a fast solution. With Net Pay Advance, you can get access to payday loans fast. Our instant deposit option is available with a valid debit card on file. No debit card is no problem. You can still get quick cash with next day funding.

How fast are your payday loans online?

Our team works hard to make our services as fast as possible. This includes a quick application that only takes five minutes to complete and gets an instant decision. You can get instant funding with a debit card on file. That means you can get approval and funding in fifteen minutes! If you’re approved but don’t have a valid debit card on file, you can still get paid quickly. Our next-business-day loans are quick, too. Read more about our timing here.

Do you offer instant payday loans online with guaranteed approval?  

Net Pay Advance offers instant funding with a valid credit card on file, making it simple to get the money you need quick. While we cannot guarantee approval, we do work with all kinds of credit. We do not perform a hard credit check. This gives our payday loans more availability than other kinds of loans.

Can I get a payday loan without a pay stub? 

With Net Pay Advance, you can get a payday loan fast without a pay stub. We also accept Social Security, retirement, and pension. Read more about what you need to apply here.

Where can I find small payday loans online no credit check?

If you’re looking for small payday loans with no hard credit check, you’ve found the right place. You can access funds with no credit needed. Plus, applying with us will not affect your credit. This is because we use a soft credit pull just to confirm your identity, not a hard credit check like other lenders.

With our application, your personal information stays secure. The soft pull doesn’t impact your credit or leave behind a trace for others to see. In addition, your credit score is not considered during the application. We think you deserve privacy.

Is a payday loan secured or unsecured?

At Net Pay Advance, we provide unsecured loans. We do not require any collateral like a home or car. We’re dedicated to being a fast solution for people between pay periods. It’s that simple. See what our owner has to say about our loans.

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We know how difficult it is to worry about paying bills. Our team is here to help you be successful. Our customer service team is standing by to help whenever you have questions. Explore our other online resources, built just for you.