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. Same-day funding available!

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

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 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 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.

What do I need to apply?

What do I need to apply?

Human icon behind a 18 plus sign

18+ years old

Blue money coin going into a green piggy bank

Active bank account

Pinpoint location icon infront of the Net Pay logo

Valid address in our service area

What do I need to apply?

What do I need to apply?

Icon of a person with a 18+ sign in front Be at least 18 years old

Icon of a piggy bank with a coin going in it's back Active bank account

NPA Location Icon Valid address in our service area

What is a personal line of credit?

What is a
personal line of credit?

An online line of credit, or online credit line, empowers you to manage your finances on your terms. Whether it’s unexpected expenses, emergencies, or security, it’s your financial safety net. Discover the freedom of a revolving line of credit today.

ATM Machine with the checklist for what a personal line of credit is, the list contains, Up to $3000, No credit needed, Instant funding options
Apply Now

Fast application. Get an instant decision.

Fast application. Get an instant decision.

ATM Machine with the checklist for what a personal line of credit is, the list contains, Up to $3000, No credit needed, Instant funding options

Payday Loans vs Line of Credit

Payday Loans
vs Line of Credit

A line of credit offers a modern and flexible alternative to traditional payday loans. With a line of credit, you can access funds when you need them, up to your credit limit, without the hassle of repeatedly applying for an additional fast cash advance. It’s a faster and more flexible solution, allowing you to borrow only what you need. Plus, you can access your line of credit anytime, giving you greater control over your finances. An online line of credit combines the best features of traditional payday loans and credit cards.

Man holding phone with a smartphone graphic beside him that reads Withdraw
Man holding phone with a smartphone graphic beside him that reads Withdraw
Like a tradional payday loan, an online line of credit offers convenience

No hard credit check and no credit score requirements.

Repayments scheduled around your payday schedule.

Use your funds as you see fit. 5-star support service available.

Use your funds as you see fit.

5-star support service available.

Like a credit card, an online line of credit is flexible:

Repay your loan in full, partially, or just make minimum payments on your due date.

Draw from your funds at any time as long as your payments are up to date.

Instant deposit is available for draws. Only borrow what you need.

Instant deposit is available for draws.

Only borrow what you need.

How a line of credit works

How a line of credit works

Number One in green circle

Easy Online Application

Begin by submitting our simple online application and get an instant decision! 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 for Kansas, Missouri, Tennessee, and Utah residents.

Number Two in green circle

Flexible Borrowing & Quick Funding

Use your online account or our cash advance app to withdraw the money you need quickly. Same-day or next-business-day funding 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.


Tip: Adding a valid debit card helps you access instant funding!

Number Three in green circle

Transparent Account 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

Flexible Payment Options

Each month you’ll receive your statement that indicates 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. You can also schedule a payment manually, and the due date remains the same.

Number Five in green circle

Continous Borrowing Power

With our flexible online line of credit, you have the power to borrow and repay as you see fit, up to your credit limit. Your available credit is revised after your payment has been received. You’ll be able to withdraw the funds when you want. Once approved for a line of credit, you’ll have access to it for as long as you want, without ever having to re-apply!

Apply Now

No credit needed.

Begin by submitting our simple online application and get an instant decision! 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 for Kansas, Missouri, and Utah residents.

Use your online account or our cash advance app to withdraw the money you need quickly. Same-day or next-business-day funding 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.


Tip: Adding a valid debit card helps you access instant funding!

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 that indicates 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. You can also schedule a payment manually, and the due date remains the same.

With our flexible online line of credit, you have the power to borrow and repay as you see fit, up to your credit limit. Your available credit is revised after your payment has been received. You’ll be able to withdraw the funds when you want. Once approved for a line of credit, you’ll have access to it for as long as you want, without ever having to re-apply!

Apply Now

No credit needed.

Line of credit features

Lightning Bolt Icon in an orange circle
Lightning Bolt Icon in an orange circle

Fast Application & Instant Decision

Flexible meter bar icon in a orange circle
Flexible meter bar icon in a orange circle

Flexible Options

Speedometer Icon in an orange circle
Speedometer Icon in an orange circle

Lines of Credit Available for Bad Credit

Icon of a checkmark in the middle of a arrow moving towards some dots in a circle in an orange circle
Icon of a checkmark in the middle of a arrow moving towards some dots in a circle in an orange circle

24/7 Online Access

Lightning Bolt Icon in an orange circle

Fast Application & Instant Decision

Speedometer Icon in an orange circle

Lines of Credit Available for Bad Credit

Flexible meter bar icon in a orange circle

Flexible Options

Icon of a checkmark in the middle of a arrow moving towards some dots in a circle in an orange circle

24/7 Online Access

Why thousands recommend

Why thousands recommend

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.

Apply Now

Join 8,000+ customers that say Net Pay Advance is the best lender.

Join 8,000+ customers that say Net Pay Advance is the best lender.

A series of reviews from TrustPilot from Anissa, Kassaundra, Melissa Anissa Review Kassaundra Review Melissa Review

Frequently Asked Questions

FAQS

What is a personal line of credit?

A personal line of credit may also be referred to as an online credit line or a revolving line of credit. It is a flexible type of online payday loan that gives you access to funds with a fixed credit limit. At Net Pay Advance, we offer an instant line of credit no credit check barriers. With our no-credit-needed system, this is a viable solution for people in need of an online line of credit for bad credit, good credit, or no credit. With our personal line of credit loan online, you’re able to borrow funds and repay them over a period of time.

You should use credit line loans when you need a higher loan amount, or credit limit, with a less strict repayment timeline. A credit line cash advance like this is designed for meeting unexpected and emergency expenses.

What is the easiest line of credit to get?

An easy line of credit will consist of a few things: a simple application, fast approval, convenient repayment methods, and an excellent customer support team. At Net Pay Advance, you can get an easy line of credit with all of these features. Our line of credit application is fast! With our fast application and instant decision, customers will get line of credit instant approval or denial. There’s no waiting around. That speed may make a line of credit easier to get than some traditional loans. Don’t just take our word for it: read over 8,000 5-star reviews that agree Net Pay Advance makes the borrowing process easy and convenient.

What is the maximum credit limit I can get?

The maximum credit limit for our easy line of credit depends on state regulations. At Net Pay Advance, our maximum line of credit is $3,000. That makes our line of credit an option for emergency and unexpected expenses.

What credit score is needed for a line of credit?

At Net Pay Advance, there is no credit score minimum needed for a line of credit online. We believe people deserve access to financial solutions regardless of credit score. Interestingly, 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 you can find an instant line of credit for bad credit, good credit, and no credit here. At Net Pay Advance, we know our customers are more than a credit score.

Is line of credit available immediately when needed?

When approved for a line of credit online loan with Net Pay Advance, you will have access to funds immediately when needed. You will be able to draw funds as necessary and then repay the balance over time. Having a valid debit card on file can provide you with access to instant deposit.

How do you borrow money from your line of credit?

To withdraw funds from your line of credit, go to your account, and select “Request a Draw.” Determine how much you want to withdraw, and click “Confirm.” Funds will be deposited into your account. It’s that simple!

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.

Line of credit
not available in your state?

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.

See All Payday Loans Online ▸
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Single-Pay Payday Loan

Get immediate financial relief with $255 payday loans online same day. Repay this short-term cash advance in full on your next payday. It’s an effective and convenient one-and-done solution.

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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.

See All Payday Loans Online ▸