Online Installment Loans That Work for You

Our online installment loans let you apply for money now with up to six months for repayment. Enjoy a less stressful path forward when you:

In a different state? Pick yours.

What Do I Need to Apply?

To qualify for our online installment loan, you must:

Live in a state where we’re licensed to lend

Be at least 18 years old with valid ID

Have an active checking account in your name

How to Get an Online Installment Loan Today

Step 1: Submit a Simple Online Application

The application has just a few questions and can be answered in about three minutes.

Step 2: Get a Decision in Minutes

Based on the information provided, a decision is made almost instantly, with notification (including offer amount for those approved) in minutes.

Step 3: Accept and Request Your Funds

If approved, you will be asked to tell us what you want to borrow and where to send the funds. Some customers may get money the same day.

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What is an Online Installment Loan?

Whether it's an unexpected bill or an unavoidable cost, an online installment loan up to $1,200 may be available with up to six months to repay. Installment loans are commonly used for:

Required expenses like housing, food, and utilities

Emergency travel and unavoidable expenses

Unanticipated costs like medical bills and car repairs

Why Choose Net Pay Advance?

We’ve helped over 3,000,000 customers stay on course financially. Can we do the same for you?

Licensed Payday Lender

We protect customers with responsible lending practices and maintain state licensure in all 9 states we serve.

Simple Online Experience

Everything – from application to payments – can be managed from any smart phone, tablet, or computer 24/7/365.

Valuing Our Customers

Our loan experts make it easy to ask questions and manage your account and provide support by text, email, or phone.

Building Relationships

People's situations change, and we want to be there when yours does too. Returning customers will find it even easier to work with us.

Customers Count on Us When It Matters Most

You can read thousands of reviews on Trustpilot and Google but here’s a few highlights:

I have had no issue with (Net Pay Advance). I process my loans online myself quickly and efficiently. Their site is easy to use (and) they have always been very flexible.

Very easy to deal with fast friendly service will use them again highly recommend and well tell others about net pay advance

Sometimes just need some extra cash and NPA's always there to help. Thanks!

The process was so easy and I was in a situation where I need extra money. Net Pay was my first choice, of course, I did not know what the outcome would be. It was great! They really helped me and I give a big thank you for giving me that chance. Again, thank you!

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Rates & Terms

Click learn more for full details on our rates and terms, including Annual Percentage Rate and loan length.

Frequently Asked Questions about Online Payday Loans

What is an Online Installment Loan?

An online installment loan lets approved borrowers receive funds and repay the loan through a series of scheduled payments instead of one lump-sum payment. Payment schedules are designed to align with your payday, making repayment more predictable.

Because repayment is spread over time, installment loans may be a good option for larger unexpected expenses or situations where paying back the full loan on your next payday may not be practical.

How Do Online Installment Loans Work?

Getting an online installment loan is simple. If you're approved, you'll receive your loan funds and repay the balance through scheduled payments over your loan term, which can be up to six months, depending on your loan agreement.

To apply, you'll complete a secure online application with basic information such as your age, state of residence, income, employment, payday schedule, and banking details. Before accepting your loan, you'll receive your loan offer, payment schedule, Annual Percentage Rate, interest rate, and all applicable terms so you know exactly what to expect.

How Do I Get an Online Installment Loan?

If you're at least 18 years old and live in a state where Net Pay Advance services or offers installment loans, you can apply online in just a few minutes.

After you submit your application, you'll typically receive a decision within minutes. If approved, you'll review and accept your loan agreement, confirm the amount you'd like to borrow, and verify your banking information before your loan is processed. Funding times vary, but many approved customers receive their funds as soon as the next business day.

Can I Get an Online Installment Loan Without Great Credit?

Your credit score isn't the only factor that is assessed when your application is reviewed. Your overall financial situation is considered, including your income, employment, and payday schedule.

As part of the application process, a soft credit inquiry may be performed. Soft inquiries do not affect your credit score and are visible only to you, not to other lenders.

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