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What to Do if You Can't Pay Off Your Payday Loan


What happens if you can’t make a payment on your loan?


Odds are, if you’re taking out a payday loan, you’re looking for a quick financial fix. Unfortunately, this doesn’t always mean that your money troubles go away overnight. You may find yourself in a position where you aren’t able to pay back your loan when you expected to – but what happens when you can’t make a payment? There are a few things you should know.




If you know you won’t be able to make your payment before the loan comes due, you can always give our customer service center a call at 888-942-3320. We offer an extension of up to three days on every loan you take out with us, and our representatives will gladly take care of that for you.

You can also go online to our website, www.netpayadvance.com, and log-in to your account to easily extend the loan on your own. If you need an extension for longer than the allotted three days, you must call and speak to a representative.

Extensions longer than three days are a one-time courtesy, so be absolutely sure you’re ready to use it! Keep in mind that you will be required to sign updated contracts about your new due date.


Extended Payment Plan


Customers are eligible for an extended payment plan (EPP) once every twelve months. The payment plan will allow you to pay back your loan in four equal payments. You must sign a contract saying you agree to the terms of the EPP before you can be set up for the payment plan.

Once you sign the contract, no changes can be made, so don’t sign until you fully understand your payment amounts and due dates! If a due date is missed and the EPP is broken, your account will then go to our collections department.

You can call or email our customer service center to have your EPP set up for you anytime before your due date.


On Your Due Date


If you don’t make an extension or you still can’t make your payment after your extension ends, Net Pay Advance will attempt to receive payment by running the debit card we have on file or sending an ACH through your bank account at approximately 8:30 AM PT.

Please note that if your debit card declines, an ACH debit will be sent at 5:00 PM PT. It takes four business days for us to receive the results of an ACH – if no payment is received, your account will then be moved to our in-house collections.




Once you’re in collections, a non-payment fee will be added to your balance and you will receive email and text notifications about payment not being received. Net Pay Advance will attempt to acquire payment one more time before we start actively trying to get in touch with you via phone call.

Our collections department can set up a payment plan that is most convenient for you so that you may pay off your balance in increments or all at once. You may also go to your account online to take care of your payment or select a payment plan.

Remember, you can re-loan once your balance has been paid in full, so it’s in your best interest to communicate with our collections team at 888-942-3360 to get your payment(s) taken care of.


If you have any questions about your loan or if you still aren’t confident about what happens when you can’t make a payment, call 888-942-3320, use the chat feature on our website, or email customerservice@netpayadvance.com during our business hours to speak with a customer service representative.



Thursday, May 17, 2018
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  • This is an excellent news
    5/21/2018 7:50:44 PM
    • Thanks, we try to make making a payment as easy as possible! 

      Net Pay Advance
      5/22/2018 4:48:21 PM
  • Do I have a loan with you
    5/22/2018 7:48:44 AM
    • We are unable to see your information from this comment. Call customer service at 888-942-3320 to inquire about your current loan status. Thanks!

      Net Pay Advance
      5/22/2018 4:49:00 PM
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