Rates and Terms
Net Pay Advance offers personal loans in several states. Read about the rates and terms in your state below.
Select your state:
If you are unhappy with your service at Net Pay Advance, please reach out to us. We will do our best to resolve any issues.
Our compliance department can be reached at 888-942-3320 Monday through Friday, 8:00 AM CT to 5:00 PM CT.
Best practices for payday loans
When deciding to take out a payday loan, there are several best practices. These practices are designed to help customers stay out of a cycle of borrowing. For a successful payday loan experience, the following are recommended:
- Borrow only what you need.
- Take out a payday loan only for emergency expenses.
- Call your lender if you are having problems repaying.
How to get a repayment plan set up
We know our customers need help sometimes. That’s why we make setting up a repayment plan simple. If you need more time to repay your loan, here are the 3 ways you can set up a plan.
Call our support team.Our specialists can help set up the right plan for you.
Online through your account. Login and follow the prompts to set up a payment plan that works with your schedule.
Follow the EZ payment link from NPA emails and SMS. You can set up a payment plan without logging into your account.
Good-sense financial tips
Avoid future money problems
Along with following best practices for payday loans, it is important to have other financial skills. Here are some ways you can help improve your financial situation.
Create a weekly budget with income and expenses
Prioritize and repay your debts
Build up a rainy day fund for emergencies
How to spot a legit loan lender
It is important to work with legitimate lenders. Illegitimate lenders may compromise your information. This can lead to scams and fraud. In order to avoid fraud, you need to ensure that a company is legitimate. Here are a few ways you can tell if you should work with a lender.
Lender has links to licenses available
Website shows phone number or support available
Website has validating trust factors
This information is provided for educational purposes only and should not be construed as financial or legal advice. Please consult a lawyer or financial advisor if you need these services.