*Net Pay Advance is a state-licensed direct lender in California, Texas, 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 facilitate safe and secure loans for our customers.

*With an eligible debit card provided, all customers can access instant funding.

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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.

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.

Net Pay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law.