exclamation mark in circle  Instant funding is now available! Eligible debit card required.

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Payday Loans Online – No Credit Check

Instant Decision. Same-Day Funding. Direct Deposit.

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Need a fast and secure payday loan due to unexpected expenses?

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simple secure and trusted badge
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Need a fast and secure payday loan due to unexpected expenses?

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trustpilot reviews badge
 

So, how does this work?

 
step 1 payday loan apply now

Complete our simple and secure online application in minutes. Once you hit submit, we’ll take care of the rest.

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step 2 payday loan review application

Our team will review your application and give you an instant decision.

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step 13 payday loans funds deposited in bank account

Approved funds are directly deposited to your account the same day*!


 

checkmark  Quick Approvals

Get approved today with an easy online loan application!

checkmark  Free Three-Day Due Date Extensions

Unable to pay on your due date? Request an extension of 3 days!

Why Choose Net Pay Advance?

Applying does NOT affect your credit score! No credit check to apply.

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checkmark  Same-Day Deposit

Money in minutes with instant funding, available with eligible debit card.

checkmark  World Class Customer Service

Our customer service representatives are here for you. Speak to a live representative, email, or text.

 


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Introducing the Net Pay Advance App

We’ve made your lending experience smoother. Easily:

star icon Apply for a loan

star icon View important documents

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… and much more!

 


 


 

 


We’re always here for our Texas, California, and Kansas customers.

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Frequently Asked Questions

Lending can be confusing. We’re here to help you every step of the way.

How do payday loans work online?

Payday loans online work the same way as store-front payday loans, except everything is digital. Since Net Pay Advance operates exclusively online, customers complete their application online and can manage their loan from our website or our mobile app! Approved funds are directly deposited to your checking account for you to use how you wish. Need some additional assistance? Our world-class customer service team is here to serve you at 888-942-3320.

What are the best payday loans?

The best payday loans are ones that help assist with an emergency need and are repaid quickly, helping the consumer avoid higher fees. Net Pay Advance is committed to creating a transparent product that is easy to understand, can be easily managed and paid off.

What payday loans are easy to get?

We think that the easiest payday loans to get are the ones where you don’t have to leave your couch. Our easy application can be completed in minutes, instant funding means you could have your funds quickly after! Login to your customer portal 24/7 to view your loan details and make a payment.

Where can I get payday loans?

Net Pay Advance offers payday loans to residents of California, Texas and Kansas at this time. We are working on expanding to additional states! If you’re in an eligible location, you can apply directly from your phone by clicking the apply now button above.

Who does payday loans near me?

Net Pay Advance may not have a physical store near you, but we are always in the palm of your hand. Apply online or through our mobile app 24/7. Our instant funding program has no time or holiday hour limitations, so approved funds could be in your account in less than 5 minutes!

How to apply for loans online?

Apply for online loans through the Net Pay Advance website or the Net Pay Advance mobile app. Cash advances, single pay loans and installment loans are available dependent upon your state of residency. Applicants must be over the age of 18, have a valid ID, active checking account and cannot be a member of the military.

What do I need in order to apply?

You must live in California, Kansas, or Texas, be at least 18 years old, have an email address, and have a bank account in your name that’s been open and active for at least 30 days.

What types of income do you accept?

We accept paychecks as well as Social Security, Retirement, and Pension!

How do I get my money?

Getting paid is easy with Net Pay Advance. Fill out our simple and secure online loan application in minutes, and receive a qualified offer instantly. Our no hassle same-day payday loans require two things: an application and online signature. Once you sign, we take care of the rest. Within minutes, we transfer money to your account via same-day direct deposit. Our streamlined process is all online, made simple to keep you moving forward.

How soon do I get my money?

With an eligible debit card, funds will be deposited to your checking in minutes of signing your loan agreement. You get the money you need quickly and without delay, so you can cover the expenses you need and enjoy life uninterrupted. If an account cannot accept same-day deposit, funds will be deposited the next day via ACH. We put money in your hands, when you need it.

How to get quick loans online?

Quick is great, but instant is better! Net Pay Advance now offers instant funding to both new and return customers! All customers are eligible, but require a valid debit card on file to facilitate instant funding. If your debit card doesn’t validate, we fund your checking account the next business day via ACH.

How safe is Net Pay Advance?

We understand your concern. At Net Pay Advance we take your personal and financial safety seriously. We use the latest security software and carefully handle all private information. We also provide info on how to keep yourself safe from scam and fraud as well as an article on what to do if you ever find yourself a victim of fraud or identity theft.

Who does payday loans?

Net Pay Advance may not have a physical store near you, but we are always in the palm of your hand. Apply online or through our mobile app 24/7. Our instant funding program has no time or holiday hour limitations, so approved funds could be in your account in less than 5 minutes!

Where to get loans online?

Online loans are available from Net Pay Advance for those in California, Texas and Kansas. We currently offer single pay loans and installment loans with line of credit loans coming soon. Apply online through our website or mobile app 24/7. Instant funding is available for new and returning customers with an eligible debit card!

Personal loans for your personal life.

Real Customers, Real Reviews.

Net Pay Advance is the highest ranked online short-term lender on Trustpilot.

 
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