Learn more about online payday loans.

Understanding how payday loans work in California and Texas.

Online Payday Loans

Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

Transparency is crucial 
at Net Pay Advance.

See how we operate:




Types of Loans

We get it, life happens. That's why Net Pay Advance is here. We specialize in short-term payday lending that allows you to get the cash you need, fast. Apply online 24/7 to receive funds the next business day.


Cost (rates vary by state)

California Rate: 

per $100 borrowed

Texas Rate: 
per $100 borrowed




Your loan due date is calculated by the day your loan is taken out, not your application date. Customers are required to pay back their loan amount plus fees on their next payday. For more information, see Rates & Terms.




We look at many parts of your application in our decision process. The approval process happens quickly so before applying, take a look at some of the information that we require:

  • Home Address
  • Resident of California or Texas
  • SSN
  • Pay Dates
  • Income Verification
  • Active Checking Account
  • Debit Card (not required, but adding your debit card allows you to re-loan the same day you pay off)

Apply Now To Get Cash Fast

Loans approved before 5:30 PM PT today will be deposited on Monday, July 22, 2019.

I have a middle name
direct lender

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