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

18+ years of age

Address in state where we’re licensed

Active bank account

Same-day* funding option

Hablamos español

No hard credit check

Source: CBS News
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.