exclamation mark in circle  We are now offering instant funding for all customers! Eligible debit card required.

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Payday Loans Online - No Credit Check

Instant Decision. Same-Day Funding. Direct Deposit.

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

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So, how does this work?

Payday loan fast funding


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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  Same-Day Deposit

Money in minutes with instant funding, available with eligible debit card.

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, 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.

2 What types of income do you accept?

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

3How 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.

4How 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.

5 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.

Rated 4.9 / 5 based on over 7,000 reviews.