Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

Welcome to Net Pay Advance.

Here from a referral? We're happy to help.

Only Three Steps to Secure Cash!

Complete SIMPLE and SECURE online loan application in minutes.

Get a decision INSTANTLY.

Funds deposited the NEXT BUSINESS DAY.


Why choose Net Pay Advance?


We are a state-licensed direct lender in California and Texas. For over a decade, we’ve been helping Americans cover unexpected expenses.

No credit check required! We’re just here to provide financial relief to those who need it. At Net Pay Advance, we specialize in simple and trusted short-term personal loans that can help customers in their time of need. 

Your security is very important to us. When you apply at Net Pay Advance, you can rest assured that your information doesn't go anywhere. We service the loan from funding to repayment all at Net Pay Advance. We provide tools to help you throughout the loan process; such a an online application, customer portal to review loan history and documents, free 3-day payment extensions, custom blog content, and customer referral programs.

We take pride in our amazing customer service team, so please don't hesitate to reach out for any and all questions at 888-942-3320 to speak with a live representative.


Frequently Asked Questions

What qualifications are required to receive a short-term loan from Net Pay Advance?

We look at many aspects in order to get you approved. Some of the thing we verify are:

  • You have a bank account in your name and it has been open and active for at least 30 days.
  • Applicants must be at least 18 years old
  • Verify your address is in a location where we are licensed to operate.

Do you accept social security income?

Yes, we accept social security, retirement, and pension. 

How do I apply for a short-term loan?

Click the 'Apply Now' button at the top of your screen to fill out a loan application online. If you would like further assistance, call 1.888.942.3320.

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, call 1.888.942.3320.

Complete our QUICK and TRANSPARENT process.   Apply Now

Let's not forget...

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





What do we offer?


    Single Pay Loan

Single Pay Loans are a great solution for unexpected expenses or simply making it to your next paycheck. Residents in both California and Texas are eligible for this product. Cover immediate expenses and then repay on your next payday that is over 7 days away from loan approval. Loan amounts vary based on State Legislature. Receive discounts by repaying your loan by the due date with our VIP Program! 




Ready for the funds?