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

What you need to apply
Eighteen plus icon

18+ years of age

Piggy bank with coin being inserted

Address in state where we’re licensed

Eighteen plus icon

Active bank account

green stopwatch icon

Same-day* funding option

orange speech bubble that has a E and S in it

Hablamos español

blue credit card with small x infront of it

No hard credit check

59% of Americans can't cover a $1000 emergency expense with a outline of the US in green

Need financial relief? We’ve got your back.

Apply Now

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. See how much our loan max is for all of our locations.

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.

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. Check out more about our repayment options.

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.

Apply Now

Connect with exceptional support

This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot This badge shows that Net Pay Advance is a 'state licensed direct lender'. In the center is the image of a bald eagle and 4 stars. 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.