San Jose Payday Loans

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

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Apply for a San Jose payday loan without a hard credit check

Need funds? We are happy to help. Our application process does not include a hard credit check. It is almost as easy as a walk in the Rosicrucian Park. It does not matter to us if you have good credit, bad credit, or no credit. We are here to help customers get the funds they need by the next business day. Since we do not consider an applicant’s credit score, you might be wondering how our process is different than other loan providers in Silicon Valley.

Every lender does things a little differently. We keep our process simple, trusted, and secure. Our application asks for information on things like your age and address. When it comes to the application, our customers must match the following criteria:

  • 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 Jose)

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Are you wondering about costs? For every $100 borrowed, there is a one-time fee of $17.65. This covers the cost of using our services and it will not change as long as payment is made on-time. This fee might be a “little more” than the fee for similar products that cater to people with higher credit scores. Often times this fee is still less expensive than having to pay an overdraft fee for having insufficient funds. A returned item fee may be added only if payment is not made by the due date.

Did you meet our criteria? Apply now with Net Pay Advance for fast cash!

Why it’s important to work with a California licensed direct lender

When looking for a lender, you will want to work with a state-licensed direct lender, like Net Pay Advance. There are two main reasons: security and trust. State-licensed lenders are held to higher standards at the state and federal levels. Direct lenders are more secure.

Try to find a state-licensed lender. You can tell if a company is state-licensed because they will display it on their website. If you call and speak to a representative, they should be able to provide more information about their company’s license. According to California law, it is illegal for payday loans to exceed $300 in fees. If you see a company offering to lend up to $1,500 it is a red flag that they are not state-licensed. Stay away.

Net Pay Advance is state-licensed. Your safety is important to us. That is why we handle all personal information with care and use strong security software to help protect it. San Jose residents can loan up to $255 with Net Pay Advance.

You will want to avoid working with an indirect lender. Indirect lenders will take all of your personal information and send it out to a bunch of different loan companies. You will not know who has access to your information. Working with an indirect lender could put you at risk for identity theft and fraud. You could also receive an overwhelming amount of communication from these companies in the form of mail and emails.

A direct lender, like Net Pay Advance, works differently. Every part of the loan is serviced through us. You submit an application on our website, we determine if you are approved, we send you the funds by the next business day, and when your bill is due you will send us payment. This has three effects: (1) your information stays secure, (2) our customer service team understands our process and can help answer questions, and (3) you can access your online account any time. Our customers can access their account by logging in to view their paperwork, extend a due date, or even update bank information. You can reach your account from the comfort of your own home, regardless of if you live in an apartment or even in the Winchester Mystery House.

Apply now with Net Pay Advance to work with a secure and trusted 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.

Effectively using payday loans in the Garden City

Payday loans are easy and convenient, and they can help people out tremendously when an unexpected expense happens. Some people even use online payday loans to save money on things like NSF fees from bounced checks or late fees. There are many reasons a person may choose to get a payday loan. Short-term financing can be an expensive option for some. That is why they should be treated differently than other types of funds. There are several ways people can use an online payday loan more effectively.

Payday loans should only be used for emergencies. Use them to cover a payment for your home or car, to buy groceries, or to help with a necessary repair. We recommend only borrowing the money you need, rather than the full amount you are approved to receive. Paying back a cash advance by the due date is another way to keep the expenses low. It can help you avoid potential late fees.

Due to California laws, Net Pay Advance offers loans up to $255. We work with customers to help ensure they are using their cash advance effectively. Customers that are unable to make a payment on their due date can extend their due date online for three days for free. If a customer has an approaching due date they do not think they can make, they can give us a call. Some customers qualify for an Extended Payment Plan before their account goes onto Collections. If their account does go past-due and onto Collections, we can still offer a free Promise-to-Pay plan. This plan allows customers to break up their balance into smaller payments and can stop Collection activity. All of these features are available over the phone or on our website.

There is no law in California that limits the amount of payday lenders one person is able to borrow from at the same time. It is better to borrow from one company at a time. Loyalty to one lender can have cash benefits. For example, Net Pay Advance offers discounts on loan fees to customers with solid repayment history. Our customers can save money by using one lender. Besides money, there are other reasons a person would want to stay with one lender. When you work with one company, you start to understand their processes and trust their security. When you switch around from lender to lender, you risk having to send your personal information out to a bunch of different companies.

Apply now for fast funds from the company that has over 5,000 5-star reviews.

Los Angeles residents can also apply with Net Pay Advance. Learn more about your location’s specific options.

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