Hablamos Espanol | 888-942-3320- Net Pay Advance
- Quick Cash Loans
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
A bank account in your name, open for at least 30 days.
Why choose Net Pay Advance?
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 when you need it most. Borrow up to $255 and repay it in one lump sum on your next pay date.
Available in Many States
Line of Credit
With a line of credit, funds are ready when you need them. With 24/7 access, you can request a draw to access your available balance. Get approved up to $3,000.
Available in Texas & Wisconsin
Installment Loan
Need a structured repayment option? An installment loan allows you to borrow up to $1,200 and repay over time with simple, monthly payments.
Our Online Loans Details
States available
California, Kansas, Louisiana, Missouri, Utah, Tennessee, South Carolina, Texas, Wisconsin
Eligible amounts
$100–$3000
Loan term
Repayment terms vary by product and state regulations. Installment loans – up to 180 days. Open-end Line of Credit – minimum payment required at least monthly.
Payment extension
3 – 5 days *Terms apply.
Credit check
Soft credit inquiry – no impact to your credit score
Return fee
0 – $30 where applicable
Can you receive multiple return fees?
If applicable, return fee may be charged on a single payment that is returned.
Late fee
Up to $10 where applicable
Does the minimum payment decrease my principal balance?
A portion of the minimum payment is applied to reduce the outstanding principal.
How often will a payment be due?
Payments are conveniently structured to be budget friendly.
Do we accept partial payments?
Yes
Minimum draw requirements
May apply depending on product/regulations.
Need financial relief? We’ve got your back.
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 NowDid you know: 59% of Americans can’t cover a $1000 emergency expense.
Source: CBS News
can help cover
Cash advance, without the hassle
With us, cash advances are simple: borrow now, repay in with ease and convenience.
Apply Now
Trust Worthy Cash Advances…
Thank you NetPay for always [being] here to help me… I appreciate you…
Marilen
Frequently asked questions
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.
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.
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.
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.
