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*Net Pay Advance is a state-licensed direct lender in jurisdictions where we originate consumer loans. See our Rates and Terms page for more information.

Texas Residents: NPATX, LLC dba Net Pay Advance dba netpayadvance.com is a Credit Access Business, not a lender, in the state of Texas. Loans are made by an unaffiliated third-party lender.

Kansas Residents: NPAKS, LLC dba Net Pay Advance dba netpayadvance.com is licensed by the Kansas Office of the State Bank Commissioner pursuant to the Kansas Uniform Consumer Credit Code, License No. SL.0026778.

California Residents: By using this site, you acknowledge receipt of disclosures setting forth your rights under the California Consumer Privacy Protection Act of 2018 as disclosed in our California Resident's Privacy Policy Addendum. Net Pay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, License Number 10977-99, and maintains a license pursuant to the California Debt Collector Licensing Act.

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

All applications are subject to applicable law, eligibility verification, underwriting review, and approval. Loan availability, rates, fees, and terms vary by state. Lending decisions and funding times are subject to system limitations. Some applications may require additional verification which can delay the lending decision.

Customer Notice: Short-term loans are intended for short-term financial needs and not a long-term financial solution. Customers with financial difficulties should seek credit counseling.

Same day funding for new customers is restricted to those approved before 7:30PM CT (5:30PM PT), Monday-Friday (excluding holidays) with a participating debit card on file. All other requested and approved funds for new customers will be transferred to the bank account provided the next business day. Returning customers can request and generally receive same-day transfer of funds to their on-file bank account. Time of funding to all customers and accounts may be limited by system limitations, bank restrictions, or eligibility. Additional factors including, but not limited to, weekends and holidays may also delay funding availability.

View the Rates and Terms to view the Annual Percentage Rate in your State. Additional fees may apply as permitted by applicable law and your loan agreement. Delinquent accounts may be placed with a third-party collection agency or otherwise served as permitted by law. Late payments, missed payments, or other defaults may be reflected in your credit report. 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.

Accessibility Assistance: If you experience any difficulty using or accessing any part of this website, please call us at (888) 942-3320 or email us at customerservice@netpayadvance.com, for assistance accessing website content.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G St. NW, Washington, DC 20552.

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