exclamation mark in circle  Kansas resident? We are now offering payday loans in Kansas. Apply today!

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Secure Online Personal Loans - Next Business Day

State-Licensed Direct Lender in CA, KS, & TX*

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

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How it Works

Payday loan fast funding
  • Fast online application

    Complete SIMPLE and SECURE online loan application in minutes.

  • Instant Payday Loan decision

    Get a decision INSTANTLY.

  • Payday Loan Fast Funding

    Funds deposited the NEXT BUSINESS DAY.


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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  Fast Funding

Once approved, receive money in your account as soon as the next business day!

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:

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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.

1What 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.

2 What types of income do you accept?

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

3When 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 'APPLY NOW' button and fill out the application. 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! Funding time is dependent on your bank, normally our customers see their funds no later than 10:00 AM.

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.

4 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.

Personal loans for your personal life.

Real Customers, Real Reviews.

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

*Net Pay Advance is a state-licensed direct lender in California and Kansas. In Texas, Net Pay Advance is a state-licensed credit access business and maintain an exclusive partnership with a single state-licensed direct lender to faciliate safe and secure loans for our customers.

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

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum.

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 Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law; The Texas Office of the Consumer Credit Commissioner pursuant to Chapter 393 of the Texas Finance Code: Credit Services Organizations; and The Office of the Kansas State Banking Commissioner pursuant to The Kansas Uniform Consumer Credit Code.