EMPOWERING others with

Our mission

At Net Pay Advance, our mission is to provide the best instant payday loans online to our customers. To do so, we keep our services simple, secure, and trusted. You’ll find these goals drive everything we do. With these in place, we are able to offer instant cash advance options that help people when unexpected expenses arise.

Committed to

Throughout our website, you will see the following badges. You might wonder what they mean. These icons represent the trustworthiness of aspects about our instant cash advances. They showcase our licenses, memberships, ratings, and achievements.

trustpilot performance badge, 8,000+ customers trust and recommend Net Pay Advance


Over 8,000 customers trust and recommend Net Pay Advance on the review site, Trustpilot. See our customer reviews.

Better Business Bureau Logo accredited business Badge

Better Business Bureau

We’ve been offering personal loans since 2007. The Better Business Bureau recognizes Net Pay Advance as a legitimate lender. Rated A+ by the Better Business Bureau.

green state licensed direct lender badge

State-Licensed Lender

We are a direct lender that is licensed to offer loan services in the states of California, Texas, and Kansas (more states coming soon!). View our State Licenses.

blue and green badge that says net pay is secure and confidential

Confidential and Secure

Our customers are our #1 priority. Our security team works consistently to ensure our services are encrypted and confidential. Learn more in our Security Center.

simple secure and trusted blue and green badge

Simple, Secure, Trusted

Our motto. We deliver fast online payday loans to our customers with these goals at the core of our services. Contact us for any concerns.

google my business logo

Google My Business

Our customers leave us 5-star reviews on Google My Business, where you can find more verified business information. Five-star Google reviews.

Our editorial policy

Everyone needs help with their money. From learning how to save, to creating a budget, many people’s financial journey begins today. We want to be a resource no matter where you are on your road to success. To do so, we have a set of guidelines in place for our content. The purpose of the editorial policy is to ensure accuracy, legitimacy, and transparency for our readers. Take a look at our policy to learn about our process and why we have the know-how to write on these topics.

Net Pay Advance content mission

The goal of our content is to provide readers with valuable, helpful, and easy-to-apply information. We strive to supply our customers with not only the knowledge but also the confidence in themselves to make their own best decisions. Readers will find articles on topics like credit scores, budget hacks, daily expense tips, and more. Our methodology is also to approach the stigma of our industry head-on. To do so, we address common questions with honest answers. Our mission is to help our customers find financial freedom while serving them with respect and integrity.

Who we are

Net Pay Advance is a short-term direct lender. We have been operating since 2007. We’re licensed to provide online payday loans and personal loans to customers in the states of California, Kansas and Texas, with expansion into future states coming soon. Our goal is to provide a simple, secure and trusted online loan experience to those in need of quick cash that may not have alternatives such as traditional lending, credit cards or peer-to-peer financial options.

How we work with our sources

We verify data by using legitimate platforms to ensure accuracy. Additionally, quotes are taken from experts in their industries. We use direct quotes to discuss the subject matter intelligently either from education, professional experience, or both. All quotes and facts are taken directly from the original source to facilitate transparency, as well as reviewed and approved before publishing.

How we choose our writers

All of our regular blog writers are full-time employees of Net Pay Advance. Writers are involved in the research, brainstorming, creating, and editing of content that is produced, published, and distributed by Net Pay Advance. Since we all work for the company and are not contracted employees, we are able to speak about our business from an informed perspective.

What does it mean to be expert reviewed?

Expert reviewers are selected from their previous published work, tenure in the industry, or credited as an industry expert through a combination of expertise and experience. We don’t consult on topic matter that is not pertinent to the reviewer.

Get in touch with us

Our values

We seek. We face. We handle.


We seek with a measurable amount of force and brightness.


We face with a firm course of action despite difficulty or opposition.


We handle with a quality of being honest along with strong moral principles.


We seek with a creative mindset to problem solve.


We face with the combines effort of our people.


We handle with a quality of being honest along with strong moral principles.

Our people

Our people are the foundation of Net Pay Advance. We’re a group that works hard to provide solutions for your financial needs. Our team consists of diverse professionals that specialize in fields across finances, tech, and service excellence. Together, we make instant cash advances possible from our headquarters in Wichita, Kansas.

Brian J. Staver, President

Net Pay Advance was founded in 2007 by President Brian J. Staver. After serving in the military, Brian founded the company on the principle of using technology to help others. Today, he uses his expertise to give back to several advocacy programs and is passionate about helping people and the local community.

Leadership team

Clayton Howard


Janella Smith

Finance & Accounting

Carl Maughan

Legal & Compliance

Ariel Westphal


Jason Largent


Position Open


Clayton Howard


Janella Smith

Finance & Accounting

Carl Maughan

Legal & Compliance

Ariel Westphal


Jason Largent


Position Open


Want to join the Net Pay Advance team?

View Open Positions

Community involvement

At Net Pay Advance, we strive to serve our customers—and communities. We believe in giving back to the community because everyone has gotten help from somewhere. One way we do that is by working with “Giving the Basics,” a professional development program. This program provides training and guidance to those looking to grow in their careers. We also work closely with small businesses to help them develop and prosper. We think it’s important to create a positive impact in local communities and are grateful to be involved in these initiatives.

Strategic business relationships

We consider ourselves lucky to work with some amazing third-party vendors. These companies play a valuable role in helping us deliver instant payday loans online, and the seamless, high-quality experience our customers love. Whether they’re helping us stay connected, ensuring our security is top-tier, or providing day-to-day efficiencies, we’re grateful for their partnerships.

Clarity Services Inc. Amsive Digital DataRobot Integrishield MicroBilt Vistage Twilio Paychex Premier Food Service Hudson Cook Sage Intacct DataX Ekata

…. and more