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Which short-term loan is right for you?

Learn more about personal loans currently available in California and Texas.

 
 

 

Single Pay or Installment Loan?
 
The differences between a Single Pay Loan and an Installment Loan are:
 
Single Pay Loan

  • Currently available to residents of California and Texas
  • 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.
  • The amount customers can become eligible to borrow varies by state. See Rates & Terms for more information.
  • No credit check
  • No collateral
  • Eligible for promotional discounts

 
Installment Loan

  • Currently available to residents of Texas only
  • Payments are scheduled over a period of 180 days with each payment including a reduction to your principal balance.
  • Customers can become eligible to borrow up to $1500 once a positive payment history is established.
  • No credit check
  • No collateral
  • Not eligible for promotional discounts

 
When utilizing any lending instrument it is always best to repay the loan in full as soon as possible.

 

  SINGLE PAY LOAN
(Currently available to residents of California and Texas)
INSTALLMENT LOAN
(Currently available to residents of Texas only)
Eligible Amounts
$100 – $1000
$100 – $1500
Loan Term
7-31 days (before it must be rolled over or bought down
180 days – Paid back over several months
Payment Extension
3 days
5 days
Credit Check
No credit check
No credit check
Return Fee
Varies by state
$30
Can you receive multiple return fees?
No
Yes, one for every returned ACH
Late Fee
n/a
Yes, $7.50 on the 11th day past due
Can you receive multiple late fees?
n/a
Yes, one for every statement that is more than 10 days late
Does the minimum payment decrease my principal balance?
No
Yes
How often will a payment be due?
Every payday
Every payday
Do we accept partial payments?
No, you must pay at least the finance fees of the loan on each due date.
Yes, any amount $20 or more

 

 

How do I know which loan is right for me?
Answering three simple questions can help determine which product the is best choice for yourself.
 
  • Why do I need a cash advance? Small, unexpected expenses are more common than you think. For those curveballs, a single pay loan can help get you to your next paycheck and are a great option for a one-time expense. Large expenses or higher loan amounts are more difficult to repay quickly and could benefit from the ease of smaller payments that are broken down over several months, if this sounds like a better alternative for you; an installment loan is best.
     
  • How much money do I need? If you are looking for smaller loan amounts that are easier to pay back, then a single pay loan might be for you. Larger loan amounts can be more difficult to repay quickly, and an installment loan can help by giving you more time to pay back the loan. Since there are no penalties for paying off your loan early, you can save money on interest by paying the loan off before it’s due!
     
  • When can I repay my loan? For those that just need a little help to get to their next paycheck, a single pay loan is a great option for you. Re-pay the total balance of your loan when you get paid and you’re done. Those that need a little more money or would prefer to make smaller payments over a longer period of time, installments loans might be the better option.


     

 

 

 

Apply Now To Get Cash Fast

Loans approved before 5:30 PM PT today will be deposited on Monday, December 17, 2018.

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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

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