Kansas Payday Loans

Quick payday loans up to $500

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Qualify for a cash advance loan in Kansas regardless of credit score

Emergency expenses happen. When you need fast cash, online payday loans are a good solution. Payday advance loans and short-term personal loans can get you the money you need when you need it. Most Americans live paycheck-to-paycheck, and almost a third of Americans have a bad credit score. That is why we provide access to instant cash regardless of your credit score with our payday loans. We understand that sometimes people have just a little bit of bad luck. We provide our customers with quick cash.

Since our online payday loans have no hard credit check, you might be wondering how we operate. We charge a one-time fee of $15 per $100 borrowed for personal loans. As long as payment is made on time, this fee will not change throughout the loan process. This fee covers the cost of service for the payday advance. For some, $15 may sound expensive, but when you compare it to other fees, you will find that it is fair. If a person overdrafts their bank account, they might be facing a $35 fee! Not all banks provide a warning that you have over drafted. A person could wind up with over $100 in bank overdraft fees without even knowing! A payday loan can help them save money instead.

You might be wondering what factors we use to approve payday advance applications since we don’t consider your credit score. Almost every online payday lender has a different method. At Net Pay Advance, we require our customers to meet the following requirements:

  • 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 to operate and lend in Kansas)

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Did you check off all of these items? Apply now for quick cash.

Why you should choose a Kansas-licensed direct lender for your online payday loan needs

There are benefits to borrowing from a Kansas-licensed direct lender, like Net Pay Advance. For most people, doing research before choosing a lender is the smart choice. You will find that many people prefer state-licensed direct lenders. One of the major reasons is because they know that their personal information is safer. Loans from direct lenders are also simpler since you work with just one company.

We will start by looking at the security of your personal information. If a person were to apply with an indirect lender instead, that company would forward all of their personal information. They would send it on to several other loan companies. Multiple companies could then have access to your information. They could know your name, address, social security number, and more. You might not know who has access to your information. Your information might even be sent to a fraudulent company! In addition, you will likely receive a lot of mail from these companies. They may even send you offers that you will not be approved to borrow. When you loan with a direct lender, like Net Pay Advance, your personal information stays put. Not only does your personal information stay with us, we also have several processes in place to protect it, including the latest security software. Not to mention, our team is trained to handle all private information carefully.

How to Identify Direct Lenders in Kansas

Choosing an online payday loan direct lender has other perks too. Net Pay Advance is held to higher compliance standards at both the state and federal levels. You can check if a loan provider is a state-licensed direct lender two different ways. You can go to their website and see if they list that information. You can also call a lender and ask for more information about their licenses. Most state-licensed direct lenders want you to know that information about them. They want you to know that you are working with a great loan provider. They will be more than happy to share that information with you on their website or over the phone.

Working with a state-licensed direct lender in Kansas is really the best choice for the smart consumer. Choose a Kansas-licensed direct lender for your payday advance needs.

Apply now for a payday advance online. You might be eligible to borrow up to $500 in fast cash!

Easy Loan Process

Our easy loan process stays simple. When you loan with a direct lender, like Net Pay Advance, you work with one company. We review your application, deposit your funds, and receive your payment at the end. This means that we are here to provide helpful customer service the entire time. At any point during the loan process, you can log onto your account. There, you can view your information and loan agreement. You can also call us at 888-942-3320 to speak with a live Net Pay Advance representative. We are here to help through the entire process.

Kansas payday lending rates & terms

Kansas Rates and Terms

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

Governing Law for Kansas

Net Pay Advance loan agreements are governed by the state.

Maximum Loan Amount

The maximum loan amount for Kansas residents will be $500.

Fees and Charges

Your loan fee will be $15 per $100 borrowed.

Loan Lengths

Typically your loan will be due on the next day you are paid that falls between 8 and 31 days away. If your pay dates fall outside of these ranges, your loan will be due in 31 days.

Pay Off

Payments will typically be scheduled around your pay days. Payments will either be bi-weekly, twice a month, or monthly. With each payment, you have the option to pay only the minimum amount, or more.In accordance with Kansas law, your loan must be paid in full on the due date. Early payoff requests must be received by 6:00 PM Central time one day prior to your due date.

Additional Information

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

Smart practices for using a payday loan in Kansas

Loans with no hard credit check are convenient. Applying for payday loans online is even easier. However, personal short-term loans can be expensive. There are more affordable ways to obtain quick cash. A person could apply for a more traditional loan or even a credit card. They might not have a credit score high enough to be approved for these options. A person could also ask to borrow money from friends and family. They may not have the funds at all, or may refuse to lend money out. For some, getting a quick payday loan is the best choice for them. There is a reason that, each year, almost 12 million Americans choose a loan that does not require a hard credit check. Nonetheless, it is still important to treat a short-term personal loan a little differently than other types of cash. Here are a few good loan practices.

There is no limit to the number of loan companies a person can work with. However, it is still a good idea to only apply for the funds you need to cover an emergency expense. It can be hard to turn down extra cash, but only taking what you need can help keep expenses down. In addition, try to use online payday loans for emergency expenses only. An emergency expense might look different for everyone. You might need to cover rent or a house payment. You might need to buy food or groceries for the family. Some people use these loans to pay for a home or auto repair. There are other reasons a person might get a payday loan. Many people get payday loans to split up a large purchase over two pay periods, or even to avoid an expensive fee or fine. Some banks charge $35 for an overdraft fee! Getting an online Kansas Payday loan could keep funds in their bank account and help them save $20. It is the same idea for avoiding a late fee on a bill.

Paying back your loan

Another good payday loan practice is paying back your loan as soon as possible. It can help keep expenses down by avoiding a potential late fee. At Net Pay Advance, we are here to help our customers. Your loan is automatically due during your next pay period between 8 and 30 days. However, if you realize you will not have funds for a few days after that day, you can also extend your due date three days for free! You can give us a call or go online and set it up on your account. If three days is not enough time, we can also offer a free Promise-to-Pay plan that allows you to break up the payment into smaller, more manageable, amounts. You can extend your due date or sign up for the Promise-to-Pay plan on your account at www.netpayadvance.com.

Net Pay Advance VIP Program

Here is one more piece of advice for the smart consumer: stick with one lender. Payday lender loyalty has many benefits, some of which are financial benefits. At Net Pay Advance, we offer a free VIP program to our customers. Our customers with a solid repayment history can save money on future loans. Some of these deals can help you save up to 25%. You can also feel more comfortable by sticking with one lender. Once you have lent with a company once, you start to understand their process and their level of security. You do not have to risk going back out and sending your personal information to a bunch of other lenders. Working with just one lender can help provide peace of mind. At Net Pay Advance, security and customer service are very important to us. That is why we are here for our customers. Our customers can contact us online, over the phone, via email, or with a text. We are here to help you.

Apply now for secure fast cash and discover why our customers think we provide one of the best online payday loans.

Frequently Asked Questions

Kansans can access quick loans online through Net Pay Advance online application or our mobile app. Unlike store-front lenders, we are available online 24/7. Need assistance? Our 5-star customer service staff is here to help you at 888-942-3320. Approved funds are deposited quickly through instant funding or next-day via ACH.
In business since 2007, based in Kansas, state-licensed direct lender, and with over 7000 5- star reviews, we would say that Net Pay Advance is the best payday loans to be found in Kansas. Don’t just take our word for it! Apply now through our quick online application or download our mobile app. Our service is simple, secure, and trusted. Nothing beats that!
Truly “no credit check” payday loans are a myth. Payday lenders like Net Pay Advance perform a soft credit check instead. This soft credit check doesn’t impact your credit and isn’t visible to others. Plus, your credit score doesn’t impact your application decision. Apply for a Kansas payday loan from Net Pay Advance today. Good credit? No credit? Bad credit? Bad credit? Poor credit? No credit? That’s okay. Kansas residents can apply now for a payday loan. Complete our simple and secure online loan application quickly through our website or by downloading our mobile application. Quick decisions and instant funding eligibility mean approved funds are deposited in minutes!
Payday loans are available from Kansas-state licensed direct lender Net Pay Advance. Since we operate exclusively online, you’re able to apply for an online loan through our website 24 hours a day, 7 days a week, right from the comfort of your home! Use your smartphone to visit our website or download our mobile app.
There are many versions of online loans these days, but if you’re interested in a unsecured personal loan then Net Pay Advance offers a user-friendly experience that is completely online. Use your smartphone or computer to apply directly on our website. We are a state-licensed direct lender which means that your information is not shared with others and remains secure.
Net Pay Advance may not have a physical store-front, but our online loan offerings are always nearby through our website or mobile cash advance app. We’re local to Kansas, and proud of it!
Apply for quick payday loans through secure lender, Net Pay Advance. We have been facilitating payday loans online since 2007 and have over 7000+ 5-star reviews to advocate for our great service!

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