Installment Loans Online

Apply for a convenient and trusted Net Pay advance installment loan. Receive an instant decision, and quick cash if approved!

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 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. 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.

What do I need to apply?

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You must be at least 18 years of age or older

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

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Be a Texas resident

white '18+' icon

You must be at least 18 years of age or older

white bank account icon

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

white location pin icon

Be a Texas resident

This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot 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. 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.

What is an installment loan?

An installment loan is a personal loan that's paid back in individual payments. Each payment is known as an installment, hence the name installment loan. This type of loan is repaid with regularly scheduled payments over a set period of time. In our case, it's 180 days.

Installment loans are quite common. Mortgages, auto loans, and student loans are all types of installment loans. An installment loan traditionally allows you to borrow more money than a single-pay loan. For our customers in Texas, eligible borrowers may access up to $1,200 through an installment loan. Filling out the application only takes a few minutes, and applicants receive an instant decision. If approved, funds are deposited same day for accounts with a valid debit card on file. If there's no valid credit card on file, the funds are deposited as soon as the next business day.

Installment loans are quite common. Mortgages, auto loans, and student loans are all types of installment loans. An installment loan traditionally allows you to borrow more money than a single-pay loan. For our customers in Texas, eligible borrowers may access up to $1,200 through an installment loan. Filling out the application only takes a few minutes, and applicants receive an instant decision. If approved, funds are deposited same day for accounts with a valid debit card on file. If there's no valid credit card on file, the funds are deposited as soon as the next business day.

orange arrowBorrow up to $1200 in Texas

orange arrowFunds the next day or sooner

orange arrowLoan duration up to 180 days

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white arrowBorrow up to $1200 in Texas

white arrowFunds the next day or sooner

white arrowLoan duration up to 180 days

How do installment loans work?

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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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Approved funds are directly deposited to your account the same day*!

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Online installment loans allow you to borrow a larger sum of money than a traditional personal loan. You then pay down the total in fixed payments, rather than all at once. This allows you to budget the amount owed every month.

Payments include the amount borrowed (also called the principal amount), plus interest. How much you pay is determined by the loan amount, plus the length term and interest rate. These variables are fixed, meaning they stay constant throughout the lending process. Additionally, you will pay a CAB fee, which compensates us for obtaining a third-party loan for you. It’s usually a percentage of the principal loan amount.

No hard credit check is required for an installment loan through Net Pay Advance. Because no credit is needed, it’s easy to get approved for funds from an installment loan. Installment loans are liked for their simple approval process, as compared to a credit card or traditional loan.

Payments include the amount borrowed (also called the principal amount), plus interest. How much you pay is determined by the loan amount, plus the length term and interest rate. These variables are fixed, meaning they stay constant throughout the lending process. Additionally, you will pay a CAB fee, which compensates us for obtaining a third-party loan for you. It’s usually a percentage of the principal loan amount.

No hard credit check is required for an installment loan through Net Pay Advance. Because no credit is needed, it’s easy to get approved for funds from an installment loan. Installment loans are liked for their simple approval process, as compared to a credit card or traditional loan.

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How soon will I get my money?

*Approved applicants with a valid debit card on file qualify for a same day deposit. Otherwise, approved funds are deposited the next business day.

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Why thousands recommend Net Pay Advance

We've got quite a bit to offer. Here are just a few out of the countless reasons why customers keep coming back.

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Percentage price tag Discounts

A cartoon meaphone with shock waves coming out of it Referral Program

Purple calender showing a event with a clock infront of it Free Due Date Extensions

Netpay app with dollar bills on the top corner Mobile App

Percentage price tag Discounts

At Net Pay Advance, we prioritize YOU - the customer, by offering quick access to cash assistance with no hard credit checks.

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Installment loans are available to applicants with no hard credit check required

Instead, Net Pay Advance requires that applicants meet this set of criteria.

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Be at least 18 years of age or older

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Bank account in your name active for at least 30 days

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Be a Texas resident

No Hard Credit Check with a X through a magnifying glass looking at a credit meter
No Hard Credit Check with a X through a magnifying glass looking at a credit meter

Please note that the criteria above is required to apply and does not automatically qualify or guarantee approval of a loan. Applications process quickly through Net Pay Advance. Approved applicants may see their cash deposited the same day. Unlike others, payday loans from Net Pay Advance do not require (nor accept) collateral.

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What are the terms of an installment loan?

Installment loans differ from traditional payday loans in a number of ways. One in particular is the pay schedule for an installment loan is set up for a duration of up to 180 days, instead of a singular transaction.

Additionally, borrowers can pay down an installment loan ahead of schedule. Paying off an installment loan before the end of the term can help save money. The sooner you repay, the more money you save on interest.

There are no penalties for paying off an installment loan early, should you have the funds to do so. But there is no obligation to pay above your scheduled payment amount.

Borrowers may receive a five-day payment extension throughout the loan. Beyond that, a late fee may be assessed. There is a $7.50 late fee assessed on the 11th day past due, and one will be assessed for every statement more than 10 days past due. Additionally, a returned check due to insufficient funds will result in a $30 charge.

Installment loans differ from traditional payday loans in a number of ways. One in particular is the pay schedule for an installment loan is set up for a duration of up to 180 days, instead of a singular transaction.

Additionally, borrowers can pay down an installment loan ahead of schedule. Paying off an installment loan before the end of the term can help save money. The sooner you repay, the more money you save on interest.

There are no penalties for paying off an installment loan early, should you have the funds to do so. But there is no obligation to pay above your scheduled payment amount.

Borrowers may receive a five-day payment extension throughout the loan. Beyond that, a late fee may be assessed. There is a $7.50 late fee assessed on the 11th day past due, and one will be assessed for every statement more than 10 days past due. Additionally, a returned check due to insufficient funds will result in a $30 charge.

Frequently Asked Questions

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Is an installment loan right for me?

Installment loans are flexible and are easily tailored to the borrower’s pay schedule. Net Pay Advance works to establish a loan length and loan amount that best matches our borrowers. Then, we align it with the borrower’s pay schedule, so nothing is unexpected.

An installment loan offers financing with no hard credit check. This is different than most credit financing and credit card services. An installment loan provides more cash than a traditional payday loan. It allows you to cover a larger emergency expense, or keep cash on-hand, instead of tying up all your funds at once. Installment loans can help pay down a large expense, like a medical bill or home repair. These loans enable borrowers to have a predictable payment amount that they may budget.

What payday loans are easy to get?

Easy payday loans are available online through state-licensed lender Net Pay Advance! We operate exclusively online, which means you can access our products and services 24/7 from your smart phone, desktop or tablet. Download the Net Pay Advance cash advance app for even easier use!

What are the best payday loans?

We don’t want to toot our own horn, but with over 8,000+ 5-star reviews, 16 years in the business, and a world-class customer service team, we believe that Net Pay Advance offers the best payday loans online. Don’t just take our word for it, read our thousands of verified reviews who rave about our simple, secure and trusted service!

Where can I get payday loans?

Payday loans are available by applying with Net Pay Advance online or through our mobile cash advance app. Since we are a state-licensed online direct lender, visitors are able to apply from their phone or computer in minutes. Instant funding options means approved funds are deposited, quick!

How do payday loans work online?

Online payday loans are just like traditional, in-store payday loans, except we are as close as the nearest internet connection. Apply, manage, and repay your loan all online. Keep us on your phone by downloading our online payday loan app. Need funds today? No problem! All approved customers are eligible for instant funding with a valid debit card.

How can I get an installment loan online?

Getting an installment loan with Net Pay Advance is simple. Submit a fast online payday loan application. Our application process takes only a few minutes, and you will have a decision immediately. Instant funding is available for all approved applicants with a valid debit card on file.

How much does an installment loan cost?

There is no predetermined fee set for an installment loan. Interest rates are dependent on the principal amount and the term length of the loan. Installment loans are fixed-rate, meaning the interest rate stays the same throughout the loan term. See the rates and terms for your state.

With our installment loans, payments include the amount borrowed, plus interest. A payment is deducted automatically every payday over the course of up to 180 days, or until the payoff total is reached. The core components of your payment stay consistent, making it easy to budget.

What is APR?

With any loan, you’ve likely heard the term “APR” or “annual percentage rate”. Traditionally, this number is used to show the cost of a loan repayment. However, APR is an annual number. They show the cost of a loan repayment expressed on a yearly basis. Since it’s based on a year, the APR number increases when a loan term is shorter, even if the cost is the same as a loan with a longer repayment time. Installment loans are repaid over the course of a couple months. When it comes to short-term loans, APR is not synonymous with cost. There are more accurate metrics to consider when comparing short-term loan costs. See our rates and terms page for your state.

How to apply for loans online?

Customers in states where we are licensed to operate can apply for an online loan with Net Pay Advance through our easy and quick loan application or download our cash advance app! Decisions are delivered instantly and funds are quickly deposited same-day or next day depending on debit card eligibility.

How do I use my installment loan?

Our Texas installment loans are great for when you need a larger sum of cash on-hand or need a longer time to pay it off. Installment loans are commonly used to help pay for larger unexpected expenses. There are usually expenses that arise in an emergency and are unlikely to be covered in one paycheck. With Net Pay Advance, we offer installment loans up to $1,200. Several hundred dollars, or even a thousand dollars, is usually enough to cover a sudden home repair, major car repair, or even an emergency medical bill. These short-term loans really come in handy when you have several unexpected bills arise at once.

How to get quick loans online?

Quick loans online are a Net Pay Advance specialty. Our online loan application can be completed in minutes and we offer two types of quick funding options. Instant funding is available to both new and returning customers with an eligible debit card. For those who prefer not to use their debit card, funds are deposited the next business day to the checking account on file. Now that’s fast!

Where to get a loan with no credit check?

It’s rare to find a truly “no credit check loan”. The good news is that you can work with a lender like Net Pay Advance. We use information outside of a traditional credit score to evaluate customer applications. Have bad credit, good credit, or no credit? Your credit score doesn’t define you, and we don’t think it should determine your loan decision either. Apply online today!

Who does payday loans near me?

Net Pay Advance does not have any physical storefront locations, but we are available online or through our mobile app 24/7. Texas customers can rest easy knowing that Net Pay Advance is nearby and here to help.

How do I repay?

Installment loans are repaid over multiple scheduled payments. We set up the repayment schedule to be convenient. Gradually, customers repay a little on each payday. Within 180 days, the loan is repaid in full. If the customers prefer to pay the installment loan off sooner, or save money, we have early payment options. Customers that pay off their loan ahead of schedule save money on interest! Log into your Net Pay Advance account online or in our cash advance app to make a repayment.

How to get a payday loan with no credit check?

The good news is that our decision engine doesn’t require a traditional credit score to underwrite an application. At Net Pay Advance, we do a soft credit check to confirm your identity. But your credit doesn’t affect your loan decision. All we require to apply is that you’re over the age of 18, have an active checking account and are not a member of the military community.

Who does payday loans?

Payday loans are offered from direct lenders both online or at a physical store location. Net Pay Advance is a state-licensed online direct lender. Residents of states where we are licensed can apply 24/7 using our online application or our mobile cash advance app.

Who offers refund anticipation loans online?

Tax Refund Advance Loans are commonly supported through national tax service providers like H&R Block and Jackson Hewitt. Unable to access these providers or someone similar? Apply for a cash advance with Net Pay Advance! We have a quick online application with instant funding options for those with an eligible debit card.

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Can we provide more information?

Short term loans can be a lifesaver if you need cash in an emergency. Net Pay Advance will work with you to find short term loans that fit your needs. We have been working with consumers since 2001 and have built a reputation of providing quick, reliable service to our customers at reasonable rates. We’re committed to getting you the money you need when you need it.

We offer the best type of online loan: fast payday loans. Complete our application online in less than 10 minutes. We offer instant funding options for all applicants. An eligible debit card is required for instant funding. No debit card? No problem. We also offer fast next day funding for those without a debit card. We strive to make the experience as fast as possible. We’re quick!

We understand that people with bad credit need access to money during urgent financial situations. We believe you should have an helpful, straightforward quick cash alternative that can get you back on track. That’s why our installment loan is here to help. This option allows you to repay over time. Our application process is easy, and if approved, you can receive funds fast. We use a soft credit check, which doesn’t affect your credit score.

Small loans can cover an unexpected expense, emergencies, and other urgent needs. We’re here to help you get the cash for those situations. It’s fast, simple, and easy—and it doesn’t matter what your credit is like. Call us today get more information about our personal loans. You can apply on our website or via our mobile app and see if you qualify.

Need money in a pinch? A quick cash advance is a fast solution. Our quick cash advance is available with no collateral, no hard credit check, and can be approved in minutes. Online payday loans are designed to help you between paychecks or when emergency expenses occur. With us, they feature convenient online applications and fast approval. We also offer instant funding with a valid debit card on file.

Want to manage your online payday loan easily? Use our mobile app! You can view your loan details, make a payment and track VIP rewards points, all with just a few taps. We are constantly updating features within the app so make sure you update to the latest version for the best experience possible!

Have you been hit with an unexpected expense? Check out Net Pay Advance's same day loans. These convenient loans are available 24/7. You don’t have to make a special trip to apply for or receive cash, just visit apply from your smartphone or computer. With funding in as little as 15 minutes, we have a solution that is perfect for any unexpected situation!

At Net Pay Advance, we understand that life takes unexpected turns sometimes, so we're here to help. An online installment loan allows you to make small, fixed payments over time, with no penalty for early payoff. As long as you continue to make your payments on time, you'll have the flexibility to repay over 180 days instead of making a single payment on your next payday.

We keep up with the digital world and are proud to now offer instant online payday loans. Our instant funding options require a valid debit card to be eligible. Approved funds with an eligible debit card are directly deposited within 15 minutes! It’s that fast!

In today's world there are many unexpected expenses that can arise out of the blue. You get a flat tire and have to replace it. Your car breaks down just before you have to head out on a business trip. We understand life happens and will work with you with an instant online payday loan. Our urgent loan solutions can help. Apply online today to get started.

When you’re in the market for an online payday loan, choose a state-licensed lender like Net Pay Advance. As a state-licensed lender, Net Pay Advance upholds state and federal regulations related to short-term lending. Plus, when you choose us, you work directly with our team of dedicated staff from the time you complete an application to repayment. We make it simple, secure, and trusted.