Online Line of Credit

Apply for an online line of credit with Net Pay Advance – up to $3,000. Get a quick decision in seconds. Now with same-day funding 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 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?

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 resident in a state we’re licensed to operate in

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 resident in a state we’re licensed to operate in

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 a personal line of credit?

In simple terms, a line of credit, or credit line, is similar to a credit card. It’s a flexible loan where approved customers have access to a pre-determined set of funds, or borrowing limit.

A personal line of credit loan is open-ended, which means there is no set end date that the customer must repay all the money drawn. Customers can pay in full at any time, or make the minimum payment due on their due date. They can use their funds whenever they need, and borrow up to the limit they’re approved. Once they pay back borrowed funds and interest rate, they can borrow it again when needed. Use your line of credit to make draws and repay your balance over years as needed, without a second application and no hard credit check.

For example, let us assume your credit line limit is $1,000. You can withdraw $600 at one time and $400 later as needed. If you repay $200, you’ll be able to withdraw $200 later at your will.

A personal line of credit loan is open-ended, which means there is no set end date that the customer must repay all the money drawn. Customers can pay in full at any time, or make the minimum payment due on their due date. They can use their funds whenever they need, and borrow up to the limit they’re approved. Once they pay back borrowed funds and interest rate, they can borrow it again when needed. Use your line of credit to make draws and repay your balance over years as needed, without a second application and no hard credit check.

For example, let us assume your credit line limit is $1,000. You can withdraw $600 at one time and $400 later as needed. If you repay $200, you’ll be able to withdraw $200 later at your will.

orange arrowUp to a $3000 credit limit

orange arrowFunds the next day or sooner

orange arrowStatements billed monthly
(Minimum payment varies by balance owed)

Apply Now

white arrowUp to a $3000 credit limit

white arrowFunds the next day or sooner

white arrowStatements billed monthly
(Minimum payment varies by balance owed)

How a line of credit works

Steps taken to get a Line of Credit Loan
Number One in green circle

Application

It all begins with submitting our simple online application. You can find our revolving line of credit application here. With no hard credit check, there’s no risk to your credit score!

Number Two in green circle

Borrow/Receive Funds

We offer credit limits up to $3,000. Use your online account or our personal loan app to withdraw the money you need. If approved, you’ll receive our funds quickly. Same-day or next-business-day funding is available based on eligibility. There is a minimum draw amount of $50. However, there are no limits to the number of times a customer can draw money while staying within the available credit limit.

Number Three in green circle

Statements

View your statements at any time from your customer account. You will also receive email notifications to view your statement at the end of each billing period. Statements offer a breakdown of what happened during a billing period in terms of draws, interest, and monthly payments, as well as the minimum payment amount and due date.

Number Four in green circle

Payments

Each month you’ll receive your statement which will indicate your minimum payment due and the due date. Pay over the minimum payment to pay off your loan quicker! We have an auto payment option to help make the process easier, and ensure you don’t miss a payment. However, you can opt out if preferred, and schedule a payment manually, the due date remains the same. Your available credit is revised after your payment has been received. You’ll be able to withdraw the funds when you want. Tip: Adding a debit card helps update your available credit balance faster after repayment

Number Five in green circle

Repeat

With our flexible online line of credit, you have the power to borrow and repay as you see fit, up to your credit limit.

It all begins with submitting our simple online application. You can find our revolving line of credit application here. With no hard credit check, there’s no risk to your credit score!

We offer credit limits up to $3,000. Use your online account or our personal loan app to withdraw the money you need. If approved, you’ll receive our funds quickly. Same-day or next-business-day funding is available based on eligibility. There is a minimum draw amount of $50. However, there are no limits to the number of times a customer can draw money while staying within the available credit limit.

View your statements at any time from your customer account. You will also receive email notifications to view your statement at the end of each billing period. Statements offer a breakdown of what happened during a billing period in terms of draws, interest, and monthly payments, as well as the minimum payment amount and due date.

Each month you’ll receive your statement which will indicate your minimum payment due and the due date. Pay over the minimum payment to pay off your loan quicker! We have an auto payment option to help make the process easier, and ensure you don’t miss a payment. However, you can opt out if preferred, and schedule a payment manually, the due date remains the same. Your available credit is revised after your payment has been received. You’ll be able to withdraw the funds when you want. Tip: Adding a debit card helps update your available credit balance faster after repayment

With our flexible online line of credit, you have the power to borrow and repay as you see fit, up to your credit limit.

Line of Credit Features

Lightning bolt inside of a red circle

Fast

Complete the online application in about five minutes, and get an instant decision. Funds are deposited quickly via instant deposit or next-business-day funding. Read more about what determines how fast you can get a loan deposit (hint: it requires having a valid debit card on file)

Pointing finger in a blue circle

Easy

As a direct lender, we keep the lending process simple. You’ll work with just one team, Net Pay Advance, from start to finish. Our application is easy too, and since there’s no credit needed, we offer personal lines of credit for bad credit, good credit, or no credit.

Flexible

Experience flexibility with our line of credit. With a personal credit line, you can withdraw funds as needed. Then, enjoy the convenience of paying back the minimum balance or more. It’s up to you. Plus, you don’t need to reapply when another expense occurs.

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Available

Best of all, we’re an online payday loans lender. Your nearest line of credit is just as close as your computer or mobile device. You can access your account day or night. Plus, if you have questions regarding your credit line, our friendly customer service team is just a phone call away

Check mark in a rotating arrow in a orange circle

Complete the online application in about five minutes, and get an instant decision. Funds are deposited quickly via instant deposit or next-business-day funding. Read more about what determines how fast you can get a loan deposit (hint: it requires having a valid debit card on file)

As a direct lender, we keep the lending process simple. You’ll work with just one team, Net Pay Advance, from start to finish. Our application is easy too, and since there’s no credit needed, we offer personal lines of credit for bad credit, good credit, or no credit.

Experience flexibility with our line of credit. With a personal credit line, you can withdraw funds as needed. Then, enjoy the convenience of paying back the minimum balance or more. It’s up to you. Plus, you don’t need to reapply when another expense occurs.

Best of all, we’re an online payday loans lender. Your nearest line of credit is just as close as your computer or mobile device. You can access your account day or night. Plus, if you have questions regarding your credit line, our friendly customer service team is just a phone call away

Line of credit not available in your state?

Worry not! Check out our lineup of online payday loans. Rest assured, these personal loans come with the same great 5-star service, and same day deposit is available.

Payday Loans Online
White sumbol of dollar bill in a green circle

Single-Pay Payday Loan

A single-pay payday loan is a one-and-done solution for unexpected expenses. This small, short-term loan is designed to be paid back in full on your next payday.

View Single-Pay Loans
White symbol of calender behind a dollar bill in a green circle

Installment Loan Online

Get the cash you need with more time to repay. Our installment loan allows you to pay back the amount you borrowed over several months with fixed monthly payments.

View Installment Loans

Line of credit not available in your state?

Worry not! Check out our lineup of online payday loans. Rest assured, these personal loans come with the same great 5-star service, and same day deposit is available.

Payday loan icon

Single-Pay Payday Loan

A single-pay payday loan is a one-and-done solution for unexpected expenses. This small, short-term loan is designed to be paid back in full on your next payday.

View Single-Pay Loans
Installment loan icon

Installment Loan Online

Get the cash you need with more time to repay. Our installment loan allows you to pay back the amount you borrowed over several months with fixed monthly payments.

View Installment Loans
Payday Loans Online

What’s needed when applying for a line of credit

At Net Pay Advance, we don’t think your credit score or credit history define you. That’s why there’s no hard credit check! Instead, there are a few other requirements to qualify for a personal line of credit. They are:

18+ in a semi circle

Be at least 18 years of age or older

Bank building icon in a blue circle

Have a bank account in your name active for at least 30 days

Home Icon in a pinpoint shape

Live in a state we’re licensed to operate in

18+ in a semi circle

Be at least 18 years of age or older

Bank building icon in a blue circle

Have a bank account in your name active for atleast 30 days

Home Icon in a pinpoint shape

Live in a state we're licensed to operate in

Apply Now

Applicants meeting the above criteria are eligible to apply now. Meeting qualifications does not guarantee approval.

Frequently Asked Questions

FAQS
What is a personal line of credit?

A personal line of credit, or credit line, is a flexible loan with a fixed credit limit. They’re often thought of as a “no credit check loan“, which isn’t quite accurate. Often, a soft credit check is run to just confirm a person’s identity. But that check won’t impact your credit at all! With a personal line of credit, you’re able to borrow funds and repay them over a period of time.

What is the maximum credit limit I can get?

The maximum credit limit is $3000.

What credit score do I need to get a line of credit?

A “no credit check line of credit” doesn’t truly exist. To confirm a customer’s identity, legitimate lenders run a soft credit check that doesn’t impact credit score. The good news though is that there’s no set credit score required for our line of credit! Net Pay Advance offers line of credit and personal loans with no credit needed. That means there’s no hard credit check, so you can apply with us with good and bad credit. At Net Pay Advance, we know our customers are more than a credit score.

When should you use a personal line of credit?

You should use a personal line of credit when you need a higher loan amount, or credit limit, with a less strict repayment timeline.

rates and terms loan documents with stopwatch in front of it

Rates and Terms

For a complete list of our credit line rates and terms, including interest rate and length of loan visit our rates & terms page.

View Rates & Terms

Why thousands recommend Net Pay Advance

For the last 16 years, Net Pay Advance has been serving customers by offering them short-term loans with no credit needed. We cater to our customers with due diligence and provide financial relief when times are tough. We’ve got quite a bit more to offer. Here are just a few out of the countless reasons why customers keep coming back

At Net Pay Advance, we prioritize YOU – the customer, by offering quick access to cash. We empower you by providing cash assistance with no credit needed so that you can meet unexpected expenses.

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A series of reviews from TrustPilot from Anissa, Noelia R and Shanani B

Can we provide more information?

Net Pay Advance has been a short-term loan direct lender for over a decade. As a direct lender, we have been perfecting the process of getting you the money you need with high levels of security. Short-term loans are a solution to your urgent financial needs. Our loans work with all credit scores and require no collateral. That makes our short-term loans a reliable option for when cash is short.

We are known for providing quick cash with a simple process. Our loan application can be completed fast online. Applications are given an instant decision. instant funding options are available for customers with an eligible debit card on file. Once you’re approved for a line of credit, there’s no need to reapply again. Flexible options that let you borrow and repay. We have all your quick cash needs covered.

We believe in helping people access money during emergency financial situations, regardless of their credit score. When you apply with us, we’ll use alternative data to review your application. Then, we perform a “soft” credit pull. This is different than a traditional hard inquiry because it’s only visible to you, it doesn’t affect your credit score, and it will fall off your report within 30 days. This “soft” inquiry is done to confirm your identity. Your credit score is your business – not ours.

Net Pay Advance has been a state-licensed online lender for personal loans for over a decade. We deliver fast online loans to our customers in multiple states.

An instant cash advance is a short-term loan designed to be a quick solution for borrowers that need funds between paychecks. With Net Pay Advance, this online payday loan does not require collateral and has no hard credit check. This gives an instant cash advance quick availability. Net Pay Advance offers instant funding with a valid credit card on file, making it easy to get the money you need fast. Plus, with a line of credit, you only have to apply once. You have the flexibility to draw and repay over time without having to reapply.

Mobile is the future. Download the Net Pay Advance app today. Our app is a convenient way to manage your line of credit account. The Net Pay Advance app is your portal to view loan information, make a payment, track your VIP rewards points, and more. Save the app to your home screen and use it any time. We are just a click away.

Having an unexpected expense can be stressful. Instant payday loans online offer a quick solution to getting the cash you need in as little as 15 minutes. With instant funding options, our online payday loans were designed to give you a simple solution between paychecks. Choosing the right payday loan for you is important. Net Pay Advance offers online payday loans through our website 24/7 so that you don’t have to miss out on your money just because it’s at an inconvenient time of day or location for you.

Installment loans online allow borrowers to repay a loan over a longer period than a single-pay payday loan. Our installment loan is currently available for Texas customers and is repaid over 180 days with no penalty for early payoff. This product can provide a financial solution for expenses such as an unexpected bill or a car repair that could not be planned for in advance.

Need money right now? We can help! With Net Pay Advance, our quick payday loans online do not require collateral and have no hard credit check. We are known for providing fast cash with a simple process. We are proud to offer instant funding options with a valid debit card.

Need cash to cover an unexpected expenses that arises between paydays? No worries. Net Pay Advance offers emergency same day loans to help you out when it counts. With our speedy online application process, you can have access to funds fast. We offer instant funding for customers with a valid debit card on file so you can get feeling better, faster. With a line of credit, once you’re approved you don’t have to reapply – you’re able to draw from your line and repay like a credit card.

When you work with us for direct lender loans, you’ll receive great service and convenient payment options without all the hassle of a middleman. You’ll also never have to worry about us milling out your information. We adhere to state and federal regulations related to short-term lending. Above all, we’re dedicated to providing high-security levels at all times, so that our customers can get back to things that matter most to them.