Same Day Loans Online: How Fast Do You Get Your Money?

Learn how fast a loan lender can get money into your account when you’re in need of a quick loan and the factors that determine how fast you can get your money.

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Disclaimer: Eligible loan amounts vary per state regulation.

Same Day Loans Online: How Fast Do You Get Your Money?

Learn how fast a loan lender can get money into your account when you’re in need of a quick loan and the factors that determine how fast you can get your money.

How much would you like to borrow?

Submit
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You could have your payday loan instantly!*

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When you need money quick

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.

What you need to apply
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A bank account in your name & open for over 30+ days

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You must be at least 18 years of age or older

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An address in location where we’re licensed to operate

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Apply now and get an INSTANT decision!

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Get Paid Quickly

Instant same day loans

One factor determines if you get your payday loan the same day: If you have a valid debit card on file. With a valid debit card, you qualify for instant funding.* Instant funding is available 24 hours a day, 7 days a week, every day of the year. It is not affected by holidays or weekends.

Fast next day loans

Factors that may affect ACH deposits

  • Applications approved Monday – Thursday before 5:30 PM PST receive funds the next business day.
  • Applications approved Monday – Thursday after 5:30 PM PST receive funds in two business days.
  • ACH deposits are not available weekends.
    Applications received during the weekend (after 5:30 PM PST Friday) receive funds Tuesday.
  • National bank holidays can delay deposits by one business day.

Factors that may affect ACH deposits

  • Applications approved Monday – Thursday before 5:30 PM PST receive funds the next business day.
  • Applications approved Monday – Thursday after 5:30 PM PST receive funds in two business day.
  • ACH deposits are not available weekends.
    Applications received during the weekend (after 5:30 PM PST Friday) receive funds Tuesday.
  • National bank holidays can deplay deposits by one business day.

Can you get a payday loan with bad credit?

Can you get a payday
loan with bad credit?

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.
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Trustpilot review that says appreciate same day advances! by jane c
trustpilot review that says very friendly and quick! wrote by ryan
Trustpilot review that says very fast and easy to use. Thanks a bunch! by cu
Trustpilot review that says appreciate same day advances! by jane c
trustpilot review that says very friendly and quick! wrote by ryan
Trustpilot review that says very fast and easy to use. Thanks a bunch! by cu
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Customers approve of our fast funding times

You can read reviews from real customers. Our ratings show that customers are happy with how fast we fund your loan. Take a look at a few here.

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Learn more about online personal loans in your state.

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Tips for getting the fastest payday loan possible

To get a payday loan online the same day, keep a valid debit card on file. This is the fastest way to get your same day online loan. With a valid debit card, we deposit your money instantly.* Funding to a valid debit card is available 24 hours a day, 7 days a week, 365 days a year.

If you do not have a valid debit card, a good rule of thumb would be to apply as soon as possible. Submit your application before 5:30 PM PST Monday–Thursday to receive money the next day. If you submit your application after 5:30 PM PST Friday, expect to receive funds Tuesday. Additionally, be mindful of national bank holidays. If possible, submit applications with holidays in mind to avoid unexpected delays.

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Learn more about the types of same day loans we offer

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We are here to help

Times are hard. Everybody needs help sometimes. With Net Pay Advance, you’ll get a fast payday loan online. You can get your money instantly the same day with a valid debit card on file.* If you do not have a debit card on file, you qualify for next day ACH funding.

A payday loan can be an opportunity to cover an unexpected or emergency expense. But you can also use it to improve your financial skills. We know that our customers just need a little help sometimes. We believe in you. That’s why Net Pay Advance not only provides fast loans—we also provide educational resources and excellent customer service.

Explore Net Pay Advance’s Resources

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Frequently Asked Questions

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