California Online Payday Loans

No credit? No problem. Quick personal loans up to $255.

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No hard credit check to qualify for a payday loan in California

No credit? Bad credit? Poor credit? No problem. Net Pay Advance understands that our customers are looking for quick and secure cash without the stress of a hard credit check. However, this benefit means that the way we operate has to be a little bit different. Most notably, fees for our products are a little higher than products that cater to those with high credit scores.

What does “a little higher” mean? We charge $17.65 per $100 borrowed as our fee. This typically shakes out to borrowing $255 and repaying $300 on your due date, meaning you pay $45 to use our services. These fees are one-time per loan and don’t change throughout the loan unless a payment isn’t made; then a returned item fee can be applied. While this may sound expensive to the borrower, this is a much less expensive option to bank overdraft fees that are accrued each time a charge is overdrawn, meaning you could have over $100 in just bank overdraft fees before you realize you’re overdrawn.

So if we’re not using a credit score to qualify applicants for a loan, what do lenders use to approve payday loans in California? The long and short answer is that all lenders have varying methods of what constitutes an approval for their business; however, there are some general guidelines that are consistent across all lenders which can be found on the list below.

  • Applicants must have a bank account in their name that has been opened and active for at least 30 days

  • Applicants must be at least 18 years old

  • Applicant’s address must be in a location where we are licensed to operate

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Check off all of these requirements? Apply now for quick and secure funds!

Why choosing a California-licensed direct lender is important

Choosing a state-licensed direct lender for your online payday loan in California is the right choice. Why? Two words: personal security. State-licensed direct lenders like Net Pay Advance service the loan from application to repayment. That means the information provided on your application stays in one place. The purest definition of direct lending is a “transfer of funds from the ultimate lender to the ultimate borrower.” To put this into context with an example; someone completes and submits the payday loan application at, they are approved and funded by Net Pay Advance within one business day, and then when their loan is due they submit payment by logging into their account.

See the connection? Every piece of the loan process is serviced by Net Pay Advance. Customers who are looking for assistance call 888-942-3320 and speak with a live Net Pay Advance representative. We have your back throughout the entire process.

What does this mean for you, the borrower? Well, firstly that you’re working with one company. Applying with an indirect lender means that your application information is sent to a group of lenders who have an opportunity to earn your business. This sounds great, but for the person applying it means that they are going to start receiving a lot, and we mean a lot, of communications from varying lenders offering their services. While this might sound like you have the opportunity to receive more money, this doesn’t mean approval and also runs the risk of your information getting into the hands of a fraudulent company.

Direct lenders are important because they are held to higher compliance standards at both the state and federal levels. Some loan providers might boast loans up to $1500 in California. This is false. According to California state legislature, it is illegal for a payday loan to exceed $300 including any applicable fees.

Lenders saying they offer more than $300 in the state of California may be promoting inaccurate or misleading information, often in the form of a bait and switch tactic. They may be promoting loan amounts they’re able to offer in states outside of California, with different loan restrictions. Or, they may not be a legitimate state-licensed payday loan provider.

How to identify legitimate state-licensed lenders 

The California government recommends you check that your payday lender is state-licensed. There are a few ways to check the license status of a lender. You can use free license checking tools, or even check directly with the payday lender.

Using a state-licensed direct lender in California for your online payday loan is the best choice for the smart consumer.

Ready to receive funds through a state-licensed direct lender in California? Apply now for fast funds.

California payday lending rates & terms

California Rates and Terms

Net Pay Advance, Inc. is an approved short-term lender in the state of California. View License →

Governing Law for California

The loan agreement will be governed by the applicable laws.

Maximum Loan Amount

The maximum loan amount for California residents will be $255.00.

Fees and Charges

Your loan fee will be $17.65 per $100 borrowed.

Loan Lengths

Typically your loan will be due on the next day you are paid that falls between 7 and 31 days away. If your pay dates fall outside of these ranges, your loan will be due in 31 days.

Pay Off

In accordance with California law, your loan must be paid in full on the due date. Early payoff requests must be received by 6:00 PM Pacific time one day prior to your due date. Principal Amount and Finance Charge Table →

Additional Information

Net Pay Advance cannot use the criminal process against a consumer to collect on any deferred deposit transaction. California law only allows each consumer to have one loan with Net Pay Advance at a time.

Instant payday loans in California

The Net Pay Advance application process is fast. Really fast. Filling out the application only takes about five minutes and receiving a decision is even faster. Our instant decision appears in a matter of seconds. Here’s how fast our instant loan decision is:

With Net Pay Advance, there’s no waiting around for a loan decision. You’ll know if you’re approved immediately.

Best of all, if you’re approved, you won’t have to wait long to receive your funds. Net Pay Advance now offers instant payday loans. Approved applicants with a valid debit card on file can receive quick, instant funds. Your money could be available in your bank account in 30 seconds or less.

If you don’t have a valid debit card on file, that’s okay too. You’ll still receive your funds the next business day. The exact time of deposit will depend on your bank, but most customers have their funds by 10AM.

With a quick loan decision, and no hard credit check, and fast funds, what do you have to lose?

Quick apply

Easy loan process

Getting a loan should be easy as 1-2-3.


Complete our simple and secure online application in minutes. Once you hit submit, we’ll take care of the rest.

Our team will review your application and give you an instant decision.

Approved funds are directly deposited to your account the same day*!

At Net Pay Advance, we make borrowing convenient. Our payday loan process can be done entirely online. You can manage your California loan seamlessly from your computer or mobile device from start to finish.

Our application is online and only takes a few minutes to fill out.

If approved, signing your loan documents can be done online too.

Funds are automatically deposited to your bank account.

And repayment? You guessed it. That can be done online as well.

Easily apply from anywhere or any time. Our digital customer portal and mobile app make it easy to access your account. From your account, you have the ability to apply for a loan, extend your due date, make payments, view your loan documents, or more.

Of course, if you have questions or need assistance, we have a friendly team ready to help. They can easily help you reset a forgotten password, walk through your application, or make a change to your account.

And discounts? We make those easy too. Loyal customers can automatically earn points by completing simple tasks like downloading the app, applying for a loan, and taking surveys. Earned points can be redeemed to unlock sweet discounts on future loans!

Using a payday loan effectively in California

Getting a payday loan quickly and simply is one thing, but utilizing your payday loan effectively is another. It’s no secret that short-term financing can be an expensive option and funds obtained through direct payday lenders should be treated a little differently than other funds to make the most out of a traditionally more expensive loan. Secondly, due to California state regulations, the maximum amount of a single pay loan California residents are able to borrow is $255, totaling $300 with the $45 loan fee. While there is no limit to the number of open loans you can have from separate lenders, it’s best to only apply for the total of funds that is absolutely necessary.

Funds obtained through a short-term online payday lender should be used for emergencies only. Rent/mortgage payments, car payments, car repairs and/or necessary maintenance, food/groceries are all great examples of a responsible way to use this money. Another great reason to use payday loan advance funds is to avoid NSF fees from bounced checks. Since the average fee for a $255 loan in California is $45 and the average overdraft fee for EVERY bounced transaction is on average $30 you could end up paying more in overdraft fees than you would on the expense of the loan so choosing an online payday loan could save you money while you’re in between paychecks.

Paying back this loan as soon as you can is important in keeping the expenses down. Avoid potential late fees by making on-time payments or working with the company to keep your account in good standing to avoid collection activity. Two ways that Net Pay Advance helps their customers that are unable to make a payment on their due date is offering free, 3-day extensions which can be done by the user by logging into their account. In some circumstances, we can offer Extended Payment Plans before an account goes into Collections. Finally, if your account is past-due and does go to Collections, we offer free Promise-to-Pay (PTP) plans that allow you to pay back the balance over a series of payments in smaller amounts. Setting up a PTP means that Collection activity stops as long as payment plans are kept and can be set up by the user online by logging into their account.

Net Pay Advance’s loyalty program 

Loyalty to one lender can have benefits. For instance, Net Pay Advance offers discounts on loan fees for customers that have a solid repayment history. This means that the user can save money by using one lender rather than jumping from lender to lender. As is common with most businesses, loyalty has unseen rewards, too. Understanding their process, trusting their security, and avoiding the unknowns of working with a new business. Security and world-class customer service are two pillars that we have built our business upon and it’s important for all our customers to know Net Pay Advance is here for them in their time of need.

Experience the VIP difference with Net Pay Advance! Apply now for fast funds.

Are you a resident of Oakland, San Diego, or Los Angeles? Click the link to find even more details about online short-term lending in your area.

Frequently Asked Questions

Quick loans online in California can be found at Net Pay Advance and other online lenders. We recommend utilizing a state-licensed direct lender for your online loan needs because that means you’re working with the same lender from application to repayment. This is very important to keep your personal information secure. Complete our quick online loan application in minutes on our website or through our mobile app. Approved funds are deposited same day if a valid debit card is provided or next day via ACH!
Net Pay Advance has been providing payday loans and superior service to California since 2007. We like to think of ourselves as the “best” because that is what we strive to provide: a simple, secure and trusted online payday loan experience. Check out our over 7000 5-star reviews on Trustpilot!
“No credit check loans” are often used to describe payday loans where no hard credit check is performed during the application process. Instead, lenders like Net Pay Advance perform a soft credit check. This risk-free check is often used by insurance companies and employers too, and will not impact your credit score. It’s usually used in the form of a background check of sorts. Plus, Net Pay Advance knows there are lots of factors that can impact credit. We don’t think it’s right to make a decision based solely on a credit score. Good credit? Bad credit? No credit? No problem! Your credit score won’t impact your application decision at Net Pay Advance.
Payday loans are available online through state-licensed direct lender, Net Pay Advance! We have been funding payday loans in California since 2007.
Net Pay Advance exclusively offers online loans through our website and mobile application. New and return customers are eligible for instant funding with a valid debit card. We have been a state-licensed direct lender in California for over a decade.
Net Pay Advance is as near as your smartphone! We offer online payday loans so CA residents can apply online or through our mobile app 24/7. That’s pretty convenient!
State-licensed direct lenders conduct payday loans across the country based on the individual state regulations and eligibilty.

Do you live in California?

Find more information specific to your city:

Los Angeles
San Bernardino
San Diego
San Francisco
San Jose

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