Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

 

 

Single Pay Loan or Installment Loan?
 
The differences between a Single Pay Loan and an Installment Loan are:
 
Single Pay Loan
  • Your loan due date is calculated by the day your loan is taken out, not your application date. Customers are required to pay back their loan amount plus fees on their next payday.
  • 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
  • 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.
  • 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 INSTALLMENT LOAN
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
$30
$30
Can you receive multiple return fees?
No
Yes, one for every returned ACH
Late Fee
n/a
Yes, $7.50 on the 10th 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

 

 

Which loan is right for you?
 
There is a lot to think about when trying to determine which loan type is right for you:
 
  • How much cash do you need and how long will you need it? If it’s a smaller amount or just for a quick, small expenditure you might consider a payday loan. Larger amounts are more difficult to pay back so you might opt for an installment loan.
     
  • How will you make repayment? If you are borrowing a small amount and can pay it all back at once, payday loans may be perfect; but if it’s too much to pay back within a single pay period, installment loans with manageable payments might be the better option.
     
  • The type of loan you choose should be one that is workable for you. Take your time and determine the best option for you and your present financial situation. If you’re unsure do not hesitate to call us and we will be happy to help you determine which loan is best.


     

 

 

 

Apply Now To Get Cash Fast

Loans approved before 5:30 PM PT today will be deposited on Tuesday, November 20, 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