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Everything You Need to Know About Payday Loans 

Everything You Need to Know About Payday Loans 

 

Net Pay Advance Frequently Asked Questions

You have questions and we have answers! Today we will answer some of your most frequently asked questions. Learn more about the Net Pay Advance process. If you need further information, you can call us at 1-888-942-3320!

 

Can I get a short-term loan from Net Pay Advance?

We provide short-term personal loans to California and Texas residents. If you’re wondering more about approval, you’ll have to apply on our website. The good news though is that we do not check your credit. It makes no difference to us whether your credit score is good or bad; we’re here to provide financial relief to those who need it. We understand that almost everyone goes through a rough patch at some point in their life, and we just want to help.

 

 

Where do I go or how do I apply?

We make our application process easy! You don’t even have to leave your couch. You can simply visit our website, click on the ‘APPLY NOW’ button on the top right corner of the page, and fill out the form. If you would like further assistance, you can call us at 1-888-942-3320! 

 

What do I need in order to apply?

You must live in California 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 will I know if I am approved?

You will receive an email letting you know whether your loan request was approved. To speak with a representative regarding the status of your loan, you can call us at 1-888-942-3320. 

 

When and how do I get my money?

We make our application process easy! You don’t even have to leave your couch. You can simply visit our website, click on the ‘If your loan application is approved by 7:30 PM CT/5:30 PM PT, you will receive your funds the very next business day! When the funds arrive depends on which bank you have, but funds are typically available by 10:00 AM CT/PT.
Loans submitted after 7:30 PM CT/5:30 PM PT on Friday through Sunday will receive funds on the following Tuesday. In addition, National Bank Holidays delay funding by one business day because your bank is likely closed. 

 

When is my payment due date?

Your loan will be due on your next pay day that is between 8-31 days away. If your next pay day is more than 31 days away, your loan will be due 31 days from your application date. If you live in California, you can find the due date on your contract, listed on the Deferred Deposit Loan Agreement. If you live in Texas, you can find the due date listed on the Loan Agreement, Promissory, and Note & Security Agreement.

 

How do I extend my due date?

Your due date can be extended up to three days. You can extend the due date by signing into your account, clicking on ‘CHANGE DUE DATE’, selecting your preferred due date, then clicking the ‘OK’ button.

 

How soon can I reapply?

If your loan is paid in full using a debit card, you can reapply that same day! If your loan is paid in full using electronic check, you can reapply in four business days. 

 

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.  

 

What happens if I default on my loan?

We know sometimes life happens. Your account will be sent to our in-house Collections team, who will work with you to set up a payment arrangement. Once your loan is paid in full you will be eligible to reapply. Pay off any past due balances as soon as possible by logging into your account or calling us at 1-888-942-3320. 

 

Why do you need my bank login?

It allows us to communicate with your bank and obtain a read-only bank statement. We don’t have access to your bank account or your login information. Our system is safe. It operates at bank level security using the same 128-bit encryption as your bank. Usernames and passwords are never displayed, viewed, or stored.  

 

How do I fill out my bank information?

You can set up your bank account information once you sign-in or make an account. Go to ‘BANK VERIFICATION’ click ‘START BANK VERIFICATION’ and then follow the prompts. We have more information on this subject here.  

 

Do you have discounts right now?

We have our 20/20 Referral Program and our VIP Program going on right now. With our Referral Program, you could get $20 for referring a friend, and your friend could save 20%! With our VIP program, loyal customers can sometimes receive discounts up to 45% off with good payment history! We have more information on both of these discount programs on this page.  

 

We hope our list of FAQs has helped answer your question about Net Pay Advance. If we failed to answer one of your inquiries, please feel free to visit our website or give us a call at 1-888-942-3320. We’d be more than happy to helpWe hope our list of FAQs has helped answer your question about Net Pay Advance. If we failed to answer one of your inquiries, please feel free to visit our website or give us a call at 1-888-942-3320. We’d be more than happy to help!  

 
 
 
Sunday, December 1, 2019
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    Loans approved before 5:30 PM PT today will be deposited on Tuesday, December 17, 2019.

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    By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

    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.