Oakland Payday Loans

See if you qualify for a personal loan up to $255

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No credit needed to qualify for a payday loan in California

At Net Pay Advance, we know that sometimes life happens, and you need a few dollars to get to your next payday. We do not judge people based on their credit score. Whether you have poor credit, bad credit, or even no credit, we are here to help you get the money you need. We provide our customers with quick and secure cash without the stress of a hard credit check. This benefit means that we operate a little differently than companies that provide products that cater to those with high credit scores.

We think transparency is important, so we will be upfront. We charge a one-time fee of $17.65 per $100 borrowed for personal loans. This fee will not change throughout the loan so long as payment is made on time. If a payment is not made, then a returned item fee can be applied. While this may sound expensive, in reality it is a much more affordable option than something like a bank overdraft fee. With a bank, a single accidental overdraft can result in a fee of $35, which means that a person could rack up $100 in bank overdraft fees before even being made aware that they have overdrawn.

Since we do not perform a hard credit check when reviewing applications for our quick payday loans, many of our customers wonder what method we use to approve an online payday advance. The method of what constitutes an approval changes from lender to lender. At Net Pay Advance, we require the following for our customers:

  • 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 (we are licensed for operation in San Francisco)

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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

There are many reasons a person would choose to pick a state-licensed direct lender, like Net Pay Advance, over other loan providers for their payday advance loans. For starters, when you loan through Net Pay Advance, your personal information stays more secure. We also make the process simpler by working with you through every step of the loan process.

If you were to apply with an indirect lender instead, they would send out your personal information to a bunch of different businesses with short term loans. Some people may assume that this means these companies will compete to earn your business. It is true that you will likely receive a lot, and we mean a lot, of communications from varying lenders with offers. However, you may not be approved by these companies. In addition, with your information being sent to so many parties, it is at risk for falling into the hands of a fraudulent company. With direct lenders, like Net Pay Advance, the personal information you include in your application stays in just one place. We take multiple steps to ensure that we implement the latest in security software. We take your personal and financial security seriously and handle all private information with care.

Direct lending is defined as a “transfer of funds from the ultimate lender to the ultimate borrower.” When you loan with Net Pay Advance, we work with you through every step of the process. You apply with us at our website here, we review your application, we directly deposit your funds to your bank account within one business day, and then, when your payment is due, you submit payment to us by logging into your Net Pay Advance account here. Since every piece of our loan process is serviced by Net Pay Advance, it means that our live representatives are able to help you when you call. Customers who are looking for assistance can call our team at 888-942-3320. We are happy to help throughout the entire process!

State-licensed direct lenders are held to both higher state and federal compliance standards for personal loans. Identifying lenders that are not state-licensed direct lenders are easy. Any loan provider that boasts quick payday loans up to $1500 in California is lying because according to California state legislature, it is illegal for a payday loan provider to exceed $300 in fees (including applicable fees). Another way to check is by looking at their website. State-licensed direct lenders will proudly display their status on their website. One more way to check is by calling the loan provider and talking to a representative. A state-licensed direct lender will be able to provide more information about their licenses.

Using a state-licensed direct lender in California for your online payday loans 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.

Using a payday loan effectively in Oakland, California

Emergency expenses happen, and when you need money, an online short-term loan provider may be a great resource. However, these loans can be an expensive funding option. Payday advance loans should be treated a little differently than other types of funds to make the most of them. Currently, the state has regulations in place that allow residents to borrow up to $255 in California payday loans, thus totaling in $300 with the $45 fee. It is true that there is no limit to the number of different payday loan companies you can work with, but it still in a person’s best interest to only apply for the money they need.

When applying for online payday loans, we recommend using the funds to cover emergency expenses. Emergency expenses might include things like rent/mortgage payments, car payments, necessary car or home repairs/maintenance, and food/groceries. Emergency expenses can also refer to unexpected fees that are impacted by time. For example, a person could use a Net Pay Advance payday loan to avoid expensive NSF fees from bounced checks or even large overdraft bank fees that occur between paychecks.

To keep your expenses down, try to pay back personal loans as soon as possible. You can avoid potential late fees by making on-time payments. Additionally, you can work with the company to keep your account in good standing to avoid collection activities. We take steps to help our customers. If you find that you will be unable to make a payment on time, you can extend the payment due date by three days for free by logging into your account. In some circumstances, we can even offer an Extended Payment Plan before an account goes into Collections. If your account is past-due and does go to Collections, we can still offer a free Promise-to-Pay (PTP) plan that allows you to pay back the balance over a series of payments in smaller amounts. To set up a PTP, a person simply has to log into their account online. Making on time PTP payments can help stop Collection activity.

There are benefits for being loyal with the same lender. For example, our customers with solid re-payment history have access to discounts on loan fees! This means that they save money by using just one lender rather than jumping from lender to lender. Besides money, there are other rewards too. When you stay with one company, you start to understand their process and trust their security. You avoid having to venture out into the unknown in an attempt to find another reputable business. By working with just one company, you can reduce your risks of identity theft and fraud. At Net Pay Advance, we focus on keeping procedures and operations secure and simple. We also take pride in our world-class customer service team.

Want to experience the VIP difference with Net Pay Advance? Apply now for fast funds.

Resident of San Bernardino? Click the link to find even more details about online short-term lending in your area.

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