Life happens, we’re here to help.
Get cash as soon as today*

What you need to apply

18+ years old

Address in a state where we’re licensed

Active bank account

Active bank account

A bank account in your name, open for at least 30 days.
3M+
loan transactions
8000+
5-star Trustpilot reviews
15+
years in business

Same-day* funding options

Hablamos español

No hard credit check

What kind of loan can I get?

We offer 3 different fast and simple online loans depending on your location.

Available in California

Single-pay Loan

A single-pay loan gives you quick cash, repaid in one lump sum.

Available in Many States

Line of Credit

With a line of credit, funds are ready—just make a draw to use them.

Available in Texas

Installment Loan

An installment loan lets you borrow and repay over time with fixed payments.

Need financial relief? We’ve got your back.

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Where Net Pay Advance operates:

California

Louisiana

South Carolina

Kansas

Texas

Missouri

Tennessee

Utah

Wisconsin

Looking for a personal loan to help cover unexpected expenses or a necessary purchase may feel isolating, but you’re not alone. Get the cash you need, fast, with Net Pay Advance.

Apply Now

Did you know: 59% of Americans can’t cover a $1000 emergency expense.

Source: CBS News

can help cover

unexpected vet visits car maintenance & repairs urgent home expenses

Cash advance, without the hassle

With us, cash advances are simple: borrow now, repay in with ease and convenience.

Apply Now
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Simple & Quick

Very easy to navigate and understand. Love the ease of being able to manage the account.

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Teresa

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Trust Worthy Cash Advances…

Thank you NetPay for always [being] here to help me… I appreciate you…

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Marilen

Frequently asked questions

Does the amount of money that I borrow affect the time it takes?

No, the amount of money that you borrow does now affect how fast you get money. With a valid debit card, you receive money instantly.* No matter how much you borrow. With ACH, the factors that affect deposit are time of day, weekends, and national holidays.

What happens if I can’t repay my online loan on time?

If you are unable to repay your online loan on the agreed-upon date, it’s essential to contact your lender immediately. Some lenders offer options like loan extensions or repayment plans. At Net Pay Advance, you can extend your due date by a few days for free. We also offer Promise-to-Pay plans.

Will a personal loan hurt my credit?

At Net Pay Advance, we offer personal loans with no credit check barriers. There are no credit requirements for our loans. Instead we use a soft credit check to verify identity. This means that it will not affect your credit score to take out a personal loan with us.

How to get a loan when no one will approve you?

When you’re facing denials from many traditional lenders, you may still have options. Lenders like Net Pay Advance offer fast loans online with no credit check barriers. This means that your credit score will not stand in the way, unlike with traditional lenders. Apply today to get an instant decision on-the-spot and see if you qualify.

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Connect with exceptional support

Experience top-notch assistance with our outstanding customer support team! Reach out to us through call, text, or email for quick and friendly help provided by our dedicated experts.

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