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NetPayAdvance online payday loan support

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Frequently Asked Questions

What qualifications are required to receive a payday loan from Net Pay Advance?

We look at many aspects in order to get you approved. Some of the things we verify are:

  • Your bank account has been open and active at least 30 days
  • We can verify direct deposit or consistent cash deposits on the dates you are paid
  • Verify your address is in a location where we are licensed to operate

Do you accept Social Security Income?

Yes, we accept Social Security, Retirement, and Pension.

How do I apply for a payday loan?

Click the 'Apply Now' button at the top of your screen to fill out a loan application online. If you would like further assistance, call 1.888.942.3320.

How will I know if I am approved?

You will receive an email letting you know whether your loan request was approved. To speak with a representative regarding the status of your loan, call 1.888.942.3320.

How soon do I get my money?

If you submit your application by 5:30 PST, you will receive your funds the next business day. Loans submitted after 5:30 PST on Friday through Sunday will receive funds on the following Tuesday.

National Bank Holidays delay funding by one business day.

How soon can I re-loan?

If you have a debit card on file, you can apply for a loan the same day that you pay off your loan balance.

What happens if I miss my payment?

Your loan will go into Collections and you will receive a "returned item" fee. Pay off your past due loan as soon as possible by logging into your account or calling 1.888.942.3360.

What happens if I go into Collections?

A "returned item" fee will be added to your balance and you will be unable to re-loan until your entire balance is paid. Call 1.888.942.3360 or log into your account to pay off your balance.

When will I receive funds in my bank account?

Loans must be approved by 7:30 PM CST/5:30 PM PST for funds to be available the next business day. Funds are not deposited on the weekends. 

National Bank Holidays delay funding by one business day.

What happens if my loan is approved after the cut-off time on Friday or on the weekend?

Loans approved after 7:30 PM CST/5:30 PM PST will be funded the following Tuesday.

What time will I receive my funds?

Availability of funds differs from bank to bank; however, typically funds are available by 10:00 AM CST/PST.

 

 

 

 

 

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Loans approved before 5:30 PM PT today will be deposited on Tuesday, October 16, 2018.

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Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law

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