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Do I Need a Payday Loan?



Do I need a payday loan?

Payday loans are an accessible solution for those that have found themselves in a financial bind without access to other means to acquire cash quickly. If you’re in a position where you think you need a payday loan, answering the questions below could help you decide if this is the best decision for you.


How will I use the money?

Single pay loans should be used for emergency or required expenses. We recommend that customers aren’t using single pay loans to pay for expenses or items that are not urgent. Payday loans were created to help consumers out between paychecks, hence their name. This is another viable reason to use a payday loan; if you’re struggling to make it to your next paycheck and are concerned you will overdraft your account. You can get a payday loan to avoid the fee and pay it back once payday arrives.

For example, if your car breaks down and needs an urgent repair in order to run properly or you’ve had to make a sudden trip to the emergency room and can’t pay the fees out of pocket, these are both great reasons to utilize a single pay loan.

How quickly do I need cash?

The beauty of payday loans is that they are designed to get approved applicants their cash, fast. Most traditional lending institutions require several days from initial application to underwriting to ultimately deciding on approval or denial. Finally, the applicant receives cash, sometimes up to a month after applying.

We know that when someone is in a financial bind, they don’t have weeks to wait, they need money in a matter of hours.

If this sounds familiar, then a payday loan might be for you. Complete our online application in minutes and receive a decision in seconds (sometimes manual approval can take up to one business day). We have live representatives that can help with completing the application if there is any confusion.

The best part, after approval funds are in your account in one business day (excluding weekends and bank holidays). We deposit approved funds directly into your bank account so you don’t have to worry about making any extra trips to the bank and can feel free to use the cash however you deem necessary.

Is this expense necessary?

Again, this goes back to the “How will I use my money?” section above. Going deeper into how you will use the money and what warrants a “necessary” expense.

Think about what you’re spending as a need vs want. I need to fix my car because that’s how I get to and from work. I need to buy groceries so that myself and my family can have meals this week. Rather than using a single pay loan for an unnecessary purchase like a new pair of shoes, getting your hair done, or the latest iPhone.

‘Wants’ can wait until you either save the money or until your next paycheck, ‘needs’ are a purchase that must be made now.

Will I be able to pay back my loan?

The nature of payday loans goes back to their name, you pay back the loan on your payday. This is something to consider if you’re looking for a single pay loan, “Will I be able to pay back my loan with my next paycheck?”

Net Pay Advance offers three-day extensions if you need a little extra time to make a full payment. Also, customers that have a valid debit card on file can re-apply the same day they pay back a loan if necessary.

For customers in Texas, we offer installment loans which would give applicants the ability to pay back their balance over 180 days on every payday. This is a great solution if you’re looking for a higher loan amount and want to repay the loan over time, similar to traditional loans.

How much money do I need?

The best rule of thumb when taking out a payday loan is to only borrow as much money as you need. The borrowing fee is calculated based on how much money is being borrowed, so the less you borrow, the lower the fee.

This can help when it comes time to pay back the loan on your next paycheck and not put you in a situation where you’re struggling to make a payment.


Single pay lending is a great resource for people in California and Texas that are unable to pay for unexpected expenses that are bound to happen. If you or someone you know is in a situation where they don’t have the money at hand, have maxed out their credit cards and have an urgent expense, a payday loan is a quick, easy solution that can be taken care of by their next paycheck.

For more information about Net Pay Advance and lending in California and Texas, visit our website below or speak with a live representative by calling 888-942-3320.




Wednesday, March 27, 2019
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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.