Topeka, Kansas payday loan – no credit check!
Life sails smoothly. For the most part, your monthly income covers your monthly expenses. Then suddenly you’re faced with an unexpected expense. It could be a sudden home or car repair, medical bill, or funeral expense. With an unexpected expense of a few hundred dollars, you’re suddenly left in a predicament. You’re faced with paying a bill that you won’t have funds for until your next payday.
Some Americans would get a credit card to cover the emergency. Yet just as many Americans don’t have perfect credit. When you’re strapped for cash but have bad credit, online payday loans may be the right solution. Thousands of happy customers have used Net Pay Advance to get the funds they need, up to $500.
No credit check loans Topeka, KS
Just because you’re down on your luck, or have bad credit, it doesn’t mean you don’t deserve financial help. At Net Pay Advance, we offer no credit check loans. That’s right, bad credit is all good with us!
How to get approved for a short-term payday loan
You need money fast. So, we’ve made our application process easy. It only takes about 5 minutes to fill out online. Instead of checking credit, we’re looking at other factors. Each lender has unique approval methods. We have a list of items we look at when considering payday loan applications. We look to confirm a person has at least these three requirements when applying for a personal loan:
- A bank account in your name that’s been open and active for at least 30 days
- Is 18 years old, or older
- A home address in a location we’re licensed to operate (we are a Kansas-licensed payday loan provider)
Did you meet all these requirements? Fill out our fast form and apply now for quick cash today!
What are the costs of a no credit check loan?
We’re upfront with our customers. For a Kansas payday loan, we charge a one-time fee of $15 per $100 borrowed. There are no additional charges unless payment is not made, in which case, a returned item fee may be applied. It’s true, our products may be a little higher priced than others that cater to individuals with high credit scores.
However, $15 is almost 60% less than the cost of a traditional bank overdraft fee of $35, or even a late fee. With an overdraft fee, a person might overdraft their account several times before they see a notice from their bank. These fees can rack up quickly. All overdraft fees do is hurt you when you’re already down on your luck. Plus, they definitely don’t do anything to provide you with the funds you need. Instead of fighting with your bank over overdraft fees, you can easily apply for a Net Pay Advance payday loan, or personal loan, from the comfort of your couch. At $15, it’s a quick fee, that you’ll pay on your next scheduled payday. From there, you’re back on your feet.
Apply now for quick cash!
Choose a Kansas-licensed direct lender for your payday loan
We know you have other loan options. But are they as secure as Net Pay Advance? See, we’re a state-licensed direct lender, locally based in Topeka, Kansas.
Direct lenders for payday loans online
Direct lenders are great because you just work with one lender. Imagine you gave one person all of your private information, and then they just sent it on to an unknown number of people. That doesn’t sound great, does it? Well, that’s what indirect lenders do. Unlike Net Pay Advance, indirect lenders collect your info, and send it on to any lender looking for a customer, any customer.
Some of these lenders will go as far as sending you offers that seem too good to be true – and that’s exactly what they are. They may send you tons of marketing emails and letters for offers you don’t even qualify to receive. With all the people involved, there’s no knowing how many different people could have access to your information, such as your:
- Social security number
- Driver’s license
- And other personal information
When you apply with Net Pay Advance, a direct lender, you stay with us. We don’t send your information to others. Furthermore, we use high quality security to ensure your private information stays… well, private.
Not to mention, if you apply with an indirect lender, and then are expected to make payment to a second lender, that might be confusing. With Net Pay Advance, you apply on our site, we provide your funds if approved, and you repay us. You stay with us from start to finish. You can contact our team with questions or reach out any time in the middle of the payday loan transaction. We’re here to help. We even have options in place, like our free three-day extension if you run into trouble making a payment on your scheduled due date.
Customers that do their research prefer direct lenders because of the bonus security and convenience. These same well-informed customers also know that working with a state-licensed lender is the way to go.
State-licensed payday loan lenders
Net Pay Advance is a Kansas-licensed lender. To keep our state license, we’re held to higher local and national restrictions. So, we’re sure to follow stricter rules and regulations than other lenders. Many of these practices were already in our company culture. It just adds another layer of peace of mind. Best of all, like you, we’re located in Kansas. There’s no better place than home!
How to identify direct lenders in Topeka, KS
Before lending with anyone, you’ll want to ensure you get the best quality service by confirming your lender is state-licensed. You can do this in one of two ways.
- Look at their website. Most state-licensed lenders are more than happy to showcase their license so that you know you’re in good hands. You can find ours here.
- If they don’t have it listed on their website, you can call and ask them. A legitimate state-licensed lender will be able to provide you with that information over the phone.
Have questions or concerns about our loans or state-license? We have your back. Call us at 888-942-3320.
Apply for a personal loan today with a state-licensed direct lender!
Easy and simple online loan process
Stop looking for payday loans near you. Your closest payday lender is at your fingertips. Simply apply from your phone or computer. There’s no need to leave the comfort of your couch or put on real pants.
Our application is fast – really fast. It only takes about 5 minutes to complete. And if approved, future applications will be even shorter than that.
With Net Pay Advance, we put the power in your hands. You don’t have to stop by a store, or even call us to make small changes to your account. You can login from anywhere with our website or app and update your account. You have the power to:
- Make a payment
- Update your bank information
- Extend your due date
- Leave a survey
- View your customer profile
- And more
It’s so simple. You have access to your account 24/7.
If you run into trouble though, you can reach out to our customer service team. Our live customer service team is based in Kansas, just like you, and we’re happy to help offer support through the entire process.
Be a smart consumer, and work with a local lender in Kansas. Qualifying individuals may be eligible to borrow up to $500 fast!
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.
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.
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.
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.
Topeka payday loan: Smart practices
Let’s face it. We know there’s a payday loan stigma. But ultimately, online payday loans and personal loans are needed for those with bad credit. So, we strive to keep our process convenient, and our service stellar. We want to offer the best payday loan.
There are other loans out there, but they often come with pitfalls as well. Many other types of loans, like traditional loans, require a credit check. Then if you fail the credit check, it can hurt your score further. With loans like ours, there’s no credit check. You don’t risk your credit score with the application alone.
Credit cards, often with limits well into the thousands, can make people fall into deep debt traps. With payday loans, you’re only borrowing a couple hundred dollars. That’s the limit. And you can’t borrow more from us until you pay back your loan. Plus, you’re typically charged after your next payday – thus the name. A payday loan can be easier to pay off than a credit card.
That being said though, like any loan you take out, it’s important to avoid treating it like cash or a debit card. Here are some best practices to get the most out of your loan:
- Read your contract thoroughly and double check you entered your correct bank account and payday information.
- Only borrow the money you need. Requesting more money than you need may feel good but will ultimately cost more to repay.
- If you borrow money, only borrow money from one source. It helps keep your debt manageable.
There are other benefits to sticking with one lender. For example, Net Pay Advance customers enjoy exclusive benefits.
Topeka, Kansas instant payday loan
With most payday lenders, you apply, and then receive the funds the next day. But what if you’ve already exhausted your other options, and now need money TODAY?
When you’re wondering how to get money fast, you’ve come to the right place. At Net Pay Advance, we offer instant online payday loans. Our application gives you and instant result within seconds of submitting your application. Best of all, if approved, you might even be able to get the funds you need withing a couple minutes, as long as you have a valid debit card on file.
Learn more about the difference between our quick next-day funding and our same-day instant funding.
There’s no credit check, and you get an instant result. What do you have to lose? Apply now!
Paying back bad credit loans
At some point, all loans are due. There’s a certain date your credit card is due. There’s even a date for your mortgage payment or auto loan. Your payday loan will have a payment date as well. This is often on your next payday when you receive your regularly scheduled paycheck. Payment for a payday loan is sort of a set-it and forget it process. You receive your income from work, disability, or social security, and then your loan is instantly repaid from your bank account.
When determining a day to pay, we look at your next payday that lands between 8 and 31 days. We automatically withdraw the funds, so you don’t even have to worry about setting it. The automation is to keep the process easy for you. Just one less step. Of course, if you find yourself in a difficult situation, you can always extend your due date by three-days for free.
Apply now for a convenient loan process.
Net Pay Advance payday loan VIP Program
Why choose Net Pay advance for your quick payday loan needs? Well, we’re secure, trusted, safe and simple. It’s in our brand. Better yet, our loyal customers are added to our free Rewards Program. This program is exclusive to only Net Pay Advance customers. Other payday lenders don’t have the rewards program we do.
Working with one lender is a great way to manage your loan. So, if you’re going to work with one lender, doesn’t it make sense to work with the one that has a lot of customer perks? With Net Pay Advance you can enjoy exclusive perks like shorter applications, a points system, and a convenient mobile app.
Our points system helps you earn discounts on future loans. Doing simple everyday things like repaying your loan, adding your debit card, and leaving a review can help you rack up points quickly. These points can be turned into a discount on a future loan! At Net Pay Advance, it literally pays to work with one lender.
Plus, once you lend with us, you’ll know our process and how we work. You’ll see why over 7,000 customers would recommend us over other personal loan lenders.
Apply now to see why our customers think we’re the “best payday loan” provider.