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You could have your same-day instantly!
At Net Pay Advance, we offer fast funding options online. Customers with a valid debit card may qualify for instant funding.* Otherwise, approved applicants receive funds the next business day through ACH funding.
- Instant Same-Day* Loans (with Debit Card Funding): Requires a valid debit card able to accept instant deposit. Many customers with a valid debit card get their money in minutes.*
- Fast Next-Day Loans (with ACH Deposit): If instant funding isn’t available, approved applicants receive funds the next business day, typically in the morning. Approvals after 7:30 PM CT may be delayed.
When you need money fast
At Net Pay Advance, our goal is to get money to you with lightning speed. To do so, we eliminate barriers that delay your funds. We also use technology to make our service even more efficient. With our process, you can gain peace of mind knowing you’ll get funds fast.
A bank account in your name & open for over 30+ days
You must be at least 18 years of age or older
An address in location where we’re licensed to operate
Add a debit card for instant funding
At Net Pay Advance, our entire loan process is quick. First, our application is designed to be completed in a flash. After submitting your application, you will receive an immediate decision. No need to wait. We use state-of-the-art technology to give you an instant same day decision with no hard credit check.
(Pro tip: Return customers get unique benefits, including access to a shorter application. That means you can get your money even faster!)
Apply now and get an INSTANT decision!
How Same-Day Loans Work
Apply online. Get an instant decision in seconds. Once approved, our online loans are one of the quickest ways to get cash fast. Select the money you want to receive. You’ll be provided a confirmation when your selected funds will be deposited.
Instant same-day* loans (with debit card funding)
With a valid debit card, you may qualify for instant funding.* Your bank determines if your debit card accepts instant funding. For eligible customers, money is deposited to your account within minutes. Instant funding is available 24/7/365. It is unaffected by holidays or weekends.
Fast next-day loans (with ACH deposit)
If you do not have a debit card on file, you still get your loan fast. In this case, you will qualify for next day payments with ACH funding. An ACH payment is a direct deposit into a checking account. ACH deposits can be affected by business hours, weekends, and bank holidays.
Hard Credit Check:
- You must give consent to run a hard credit check
- Can affect your credit score
- Visible to others on your credit report for two years
- Commonly used for mortgage applications, auto loans & others traditional financing options
Soft Credit Check:
- Does not impact your credit score
- Ran by a creditor for regular account maintenance or pre-screen
- Inquiry only visible to you & falls off within 30 days
- Commonly used by short-term lenders, insurance providers, employers, ect.
Customers approve of our fast funding times
Net Pay Advance has over 8,000 5-star reviews, and almost a fifth of them highlight our speed. Customers are happy with how fast we fund your loan. Take a look at a few here.
Learn more about online personal loans in your state.
From cash advances in Los Angeles to online loans in Houston, Net Pay Advance is on a mission to provide the best same-day* loans online across the US.
Tips for getting the fastest same-day loan
Keep your information up to date, and apply with a valid debit card for the fastest experience. For ACH funding, keep your info current, and apply early in the day for fastest results. Applications after 7:30 PM CT or around bank holidays may be delayed. Friday applications after 7:30 PM CT with ACH funding are usually funded Tuesday.
Learn more about the types of loans we offer:
We are here to help
Times are hard. With Net Pay Advance, you could get money instantly the same day.* If you do not have a debit card on file, you qualify for next day ACH funding. Loans can be used to cover unexpected or emergency expenses. Net Pay Advance also provides financial tips and customer support. When it comes to understanding your loan, we’ve got your back!
