Rates and Terms

Net Pay Advance offers personal loans in several states. Read about the rates and terms in your state below.

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Select your state:

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Compliance issues?

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.

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To limit our sharing you can fill out and submit our Opt Out form. Updates to your sharing preferences can also be made via phone by calling 888-942-3320.

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For more definitions, see our Financial Literacy Glossary.

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What should I know about short-term loans? search bar
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Alternatives to taking out a payday loan

If you need to cover an emergency or essential expense, you may be considering a payday loan. Before taking out a loan, it is helpful to be aware of all your options. Here are some things to consider before taking out a payday loan.

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.
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If you have repayment problems

If you have problems repaying on time, the best thing you can do is call your lender. We are here to help you and we have options to assist with repayment. However, it is difficult to assist our customers without communication. Our team is available and ready to help through call, text, email, and chat. Contact us, today.

3-day due date extension
extended payment plan

blue information iconHow 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.

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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.

Scissors cutting behind dollar billCreate a weekly budget with income and expenses

green hand handling moneyPrioritize and repay your debts

money bag with a dollar symbol on frontBuild 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.

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In addition to the information above you can read our privacy policy and disclosures at any time.
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.