Hablamos Espanol | 888-942-3320Online 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!
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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.
Up to a $3000 credit limit
Funds the next day or sooner
Statements billed monthly
(Minimum payment varies by balance owed)
Up to a $3000 credit limitHow a line of credit works
Line of credit features
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:
Be at least 18 years of age or older
Have a bank account in your name active for atleast 30 days
Live in a state we're licensed to operate in
Applicants meeting the above criteria are eligible to apply now. Meeting qualifications does not guarantee approval.
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.
The maximum credit limit is $3000.
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.
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
For a complete list of our credit line rates and terms, including interest rate and length of loan visit our rates & terms page.
KS Rates & Terms
MO Rates & Terms
UT Rates & TermsWhy 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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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.