Quick & Secure Loans
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Single Pay Loan

Are you struggling to make it to your next paycheck? Have an emergency expense? Unable to cover your bills between paydays?

Applying for a short-term payday loan with Net Pay Advance is easy and fast!

Approved funds will be sent directly to your bank account. Customers can review loan documents, update information, refer others for cash, and repay their loan all from a personal customer profile.

Which loan is right for you?

Single Pay Loan

Available to residents of California & Texas.

Manage life's unexpected surprises,
get extra cash when you need extra help.

Learn More...

Installment Loan

Available to residents of Texas only.

Give yourself more time to repay your loan,
with opportunities for higher amounts.

Learn More...



We get it, life happens. That's why Net Pay Advance is here. We specialize in short-term payday lending that allows you to get the cash you need, fast. Apply online 24/7 to receive funds the next business day.

Rates vary by state:

California Rate: $17.65 per $100 borrowed

Texas Rate: $28.00 per $100 borrowed



Your loan will be due on your next pay day that is 8 or more days away but no more than 31 days away. The due date is calculated based off the day your contract is generated. See Rates & Terms for more information.



We look at many parts of your application in our decision process. The approval process happens quickly so before applying, take a look at some of the information that we require:

  • Home Address
  • Resident of California or Texas
  • SSN
  • Pay Dates
  • Income Verification
  • Active Checking Account
  • Debit Card (not required, but adding your debit card allows you to re-loan the same day you pay off)



Apply Now To Get Cash Fast

Loans approved before 5:30 PM PT today will be deposited on Tuesday, March 26, 2019.

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By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law