Payday Loans – Cash Advance Online

No hard credit check. Instant decision. Same-day loans.

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Disclaimer: Eligible loan amounts vary per state regulation.

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What do I need to apply?

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You must be at least 18 years of age or older

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A bank account in your name & open for over 30+ days

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An address in location where we’re licensed to operate

So, how does this work?

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

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

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

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Offering secure personal loans to residents of California, Texas, and Kansas.

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

Which online loan best suits you?

The application process takes only a few minutes. You’ll have an instant decision the same day.

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Payday Loan

A payday loan is a small, short-term personal loan. Our simple and fast loans are usually paid back in about 7 to 31 days, when you get your next paycheck.

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Installment Loan

Net Pay Advance offers an installment loan product option for Texas residents. You can repay this personal loan in smaller amounts over a 6-month period.

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Line of Credit

A line of credit account gives you access to cash when you need it. Draw from up to $3,000 and make monthly payments on your balance like a credit card.

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Your loans one tap away

Believe it or not, managing your online payday loan is even easier with the app. View your important documents, track your discount points, and more!

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Your loans one tap away

Believe it or not, managing your online payday loan is even easier with the app. View your important documents, track your discount points, and more!

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Real Customers, Real Reviews

Net Pay Advance is one of the highest ranked online short-term lenders on Trustpilot logo

We are rated 4.8 / 5 based on over 8,000 reviews.

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See our customer reviews
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We're here for you...

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Frequently Asked Questions

Have questions? We have you covered. View our full list of FAQs or contact us, today.

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, and there's no hard credit check. 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 can I get a no credit check loan?

Contrary to popular belief, payday loans often have a soft credit check. Saying something is a "no credit check loan" isn't quite accurate. Instead, payday lenders may do a soft credit pull. This pull is common and doesn't impact your credit score. Net Pay Advance does a soft pull to confirm identity. Your score isn't part of our decision-making process though. We know you're more than just a credit score. We offer loans regardless of credit.

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,installment loans, and line of credit loans. Apply online through our website or mobile app 24/7. Instant funding is available for new and returning customers with an eligible debit card!