San Bernardino Payday Loans
See if you qualify for a personal loan up to $255
No credit check to qualify for an online payday advance in California
Face it, life happens, and sometimes you are faced with unexpected expenses. If you are living paycheck-to-paycheck, sometimes it can be difficult to get approved for a loan. At Net Pay advance we help provide our customers with quick and secure cash, regardless of their current credit score. Since our online payday loans have no credit check, our loan process works a little differently than those that cater to people with higher credit scores.
It is important to us to keep our process simple, secure, and trusted, so we try to be transparent with information. We charge $17.65 per $100 borrowed. This means that if you were to borrow $255, you would repay $300 on your due date, meaning you would pay a $45 fee to use our services. These fees are one-time per loan and do not change throughout the loan unless a payment is not made, then a returned item fee can be applied. Alternatively, banks can charge much more for things like overdraft fees. Most overdraft fees are about $35 per instance. A person could be faced with a bill for $100 in bank overdraft fees before they even realize they have overdrawn.
So, since we do not check credit to qualify applications for a loan, how do we determine if a California payday advance is approved or not? Different lenders have different processes and methods for their quick payday loans. We try to keep ours simple. Our applicants easily apply at our website here. From there, we review their application to see if the following requirements are met:
Check off all of these requirements? Apply now for quick and secure funds!
Why choosing a California-licensed direct lender is important
Using a state-licensed direct lender in California for online payday advance loans is ultimately the best choice for the smart consumer. It can make the process easier and safer, and it can help you avoid headache in the future.
The main difference between choosing a direct lender and indirect lender is who you will be working with to obtain your loan. A direct lender, like Net Pay Advance, will work with you all throughout the loan process. You will submit your personal information in your application to one company, and then if approved, your loan will be serviced through that company. If you apply to an indirect lender, they will send out your information to many different businesses.
For starters, the indirect lending process can be detrimental to your financial safety. If you apply to an indirect lender, you will start to get a ton of different communication from lenders offering their services. A person might think that this level of competition will help them find a good rate, but what they do not realize is that they may not be approved for any of these loans. In addition, their personal information has just been sent out to a bunch of different people. This increases the risk of having their personal information fall into the hands of a fraudulent company.
Choosing a direct lender, like Net Pay Advance, helps protect your personal information. The information you submit only stays in one place. We take extra steps to handle all personal information with care and implement the latest security software. Since we service the whole loan process, we are here to help you every step of the way. If you ever have a question about our loan process or your account, you can call our customer service team to speak with a live Net Pay Advance representative. Our team can be reached at 888-942-3320 and we are happy to help our customers.
Indirect lenders are not held to the same standards that direct lenders are. Direct lenders, like Net Pay Advance, are held to higher compliance standards at both the state and federal levels. There are two easy ways that anyone can identify if a loan provider is a state-licensed direct lender or not. State-licensed direct lenders will proudly show off their status with information on their website. State-licensed direct lenders will also have more information about their licenses if you call them. If you call a representative, and they are unable to provide more information on their company’s licenses, you may want to double think choosing them as a provider for your online payday advance needs.
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.
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.
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 →
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 San Bernardino, California
It is no secret that in some ways, advance loans are a more expensive funding option. That is why the funds from online short-term loans should be treated a little differently than other sources of money. California currently has regulations that limit how much residents can borrow in payday loans. Even though there is no limit to the number of different companies a person could work with, we still recommend only applying for the funds needed to cover an emergency expense.
Payday advance loans can be used effectively to cover costs like rent and mortgage payments, car payments, necessary car or home repairs, food and groceries, and other time sensitive fees. Some people use online short-term loans to avoid things like overdraft bank fees, late fees, or even bounced check NSF fees. Many times, the cost of a payday loan can be less than these other types of fees. If you do decide to apply for one, we recommend only using it to cover bills and expenses like these.
Paying back quick payday loans as soon as possible is a great way to save money and keep your expenses low. You can avoid potential late fees by making on-time payments or working with the loan company to keep your account in good standing to avoid collection activities. We realize that sometimes life happens, and we have taken steps to help our customers. Our customers can extend their payment due date for three days by logging into their account, and changing the due date for free. We can even offer an Extended Payment Plan in some cases! If an account is past-due and does go on to Collections, we can still offer a free Promise-to-Pay plan. Following this plan allows a person to pay back the owed balance over a series of small payments, and can stop Collection activity.
There are multiple benefits for being loyal to the same payday loan lender. At Net Pay Advance, we offer a VIP status to our returning customers with solid repayment history. This VIP status allows the customer to save money on future loan fees! Besides saving money, there are other rewards too. Sticking with one payday loan provider can make the loan process easier. When you start to work with the same company over time, you start to learn more about their processes, and you learn that you can trust their security. When you hop from one loan company to another, you take the risk of venturing into the unknown and possibly even having your personal information fall into the hands of a fraudulent company. At Net Pay Advance, we have built our company on the pillars of security and world-class customer service. It is important to us that our customers know we are 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? Click the link to find even more details about online short-term lending in your area.