San Francisco Payday Loans

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

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Payday loans for bad credit, poor credit, no credit

We offer quick and secure cash for all credit scores! Net Pay Advance understands most people live paycheck-to-paycheck and may need funds to help cover unexpected expenses. We are here to help people with good credit, bad credit, and even no credit. Since we do not consider your credit score during the approval process, it means we operate a little differently than other lenders. The first noticeable difference is our fees.

Other products that only cater to people with high credit scores may have lower fees. We charge $17.65 for every $100 borrowed. This one-time fee will not change throughout the loan process. The only other potential charge is a returned item fee if payment is not made on-time. Although this fee may sound expensive for some, it is still less than other fees such as NSF fees or overdraft fees.

You might be wondering how we determine if your application is approved or not. It is true that every lender has different methods for this process. Here are some items we check for:

  • 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)

Regardless of if you live near Golden Gate Park, Pier 39, or even elsewhere in the city, you can apply now!

Finding secure online payday loans in San Francisco

You will want to borrow from a lender that is both state-licensed and direct. Working with a state-licensed direct lender can help protect your personal information and simplify the process of borrowing.

State-licensed lenders, like Net Pay Advance, meet higher state and federal standards. One example is that there is a law in California that only allows lenders to charge $300 in fees. Some lenders advertise loans up to $2,000 in The City. This is false. These places are not state-licensed and should be avoided. Net Pay Advance takes your personal security importantly. We protect your information by using strong security software. We also train our team to handle all information carefully. Payday loan providers that are not state-licensed may not take these same precautions.

You can easily check if a company is state-licensed or not. A quick glance at their website will show you if they have it listed. Most state-licensed companies are proud of the fact they are state-licensed. Even if you cannot find that information on their website, you can still call their offices and ask for more information about their license. Any state-licensed company will be able to provide more information about it.

Direct lenders, like Net Pay Advance, help simplify the lending process and keep your information secure. We work with you from start to finish. Our application is located on our website. If approved, we transfer the funds to your bank account in one day. When payment is due, you directly pay us. If you ever have questions, you can contact our customer service team at 888-942-3320. The team knows our processes, and can answer questions about it. If you would rather go online, that is another option. You do not have to drive across the city or even across the Golden Gate Bridge to find us. Our customers can access their account at any time by logging in here.

Unlike direct lenders, indirect lenders do not work with you from start to finish. Indirect lenders collect your information and send it out to a bunch of other lenders so that they can send you a ton of different offers. Some people might think that they will receive competing offers. What really happens is that you receive an overwhelming amount of email and mail from these companies. You might not even qualify for many of these opportunities. This also means that many different companies now have information like your name, address, and social security number. Do you want that many different people having access to your personal information?

You do not have to search through the fog for a secure loan provider. Apply now with a state-licensed direct lender.

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.

Why apply for an online payday loan with Net Pay Advance

Payday loans can be an expensive way of obtaining funds, but it may be the only way for many people. Here are steps to help keep costs low when borrowing. Use online payday loans for an important or emergency expense. Emergency expenses are different for everyone. Use a payday loan to help cover a time-sensitive bill, like rent, mortgage, or a car payment. Others may use it for an unexpected expense like a necessary home or car repair, or a doctor’s visit. Some may even use payday loans to save money by avoiding an even bigger fee from their bank, such as an overdraft fee for having insufficient funds.

Borrow just enough to cover the emergency expense. Once you get your next paycheck, use it to pay back the borrowed amount in full. This is another way to keep costs down by avoiding late fees. If you find that you might not be able to make a due date, you can log into your account or contact us to extend your due date three days for free. If three days does not work, you can see if you qualify for an Extended Payment Plan to help keep your account in good standing. It can help break up payments into smaller amounts. We try to work with customers to make the lending process easy.

Due to California state regulation, we offer loans up to $255. With a $45 fee, this adds up to the total $300 limit that a lender can offer. Currently, there is no limit on the number of loan providers a customer can work with at one time. That being said, there is multiple reasons a person might want to work with just one lender. For starters, it simplifies the process for you. You start to learn how a company works. Security is another reason. When you send your information to a bunch of different providers, it means that a bunch of different people have access to it.

There are other benefits to sticking with one loan provider, including loyalty programs that help you save money. Net Pay Advance has a VIP program where customers with good payment history can qualify for discounts on fees. We also have a referral program where you can make $20 and your friends can save 20% on fees when you refer them.

So sit down with a delicious bread bowl of clam chowder and apply now with Net Pay Advance. You could be just a few steps away from a convenient and secure cash advance experience.

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