Wichita Payday Loans

Up to $500 in fast online payday loans from a direct lender. Apply now!

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Wichita, KS, payday loans online – no credit needed!

Sometimes life throws curveballs. Unexpected expenses arise and can create a dent in your budget. When emergency expenses strike and you need cash, online payday loans come to the rescue. These short-term personal loans help you tackle unforeseen expenses and get back on your feet. Studies claim that most Americans live paycheck-to-paycheck, and almost a third of Americans have a poor credit score. You need a lender that doesn’t get hung up on details like one’s credit score. At Net Pay Advance, we understand that at times people are down on their luck and need a little help. We don’t do hard credit checks on our customers. Instead, we offer speedy cash to those in need. In short, we make bad credit loans a reality!

Instant funding with no hard credit check? We know, it’s sounds surreal! Let’s break it down for you. We charge a one-time fee of $15 per $100 borrowed in personal loans. This fee covers service costs and remains the same as long as payments are made on time. We realize that $15 may not be cheap for a lot of people, but let us assure you that it is a fair amount when you compare it with other fees. When a customer overdrafts their bank account, they are likely to be subjected to a $35 fee. Often consumers aren’t even aware they have overdrawn their account since notices are sent by mail, which takes several days. As a result, one might get charged over $100 in overdraft fees without them even realizing. An online payday loan could be the smart solution here to avoid multiple overdraft fees.

Since we don’t do hard credit pulls when reviewing applications for our online payday loans, you might wonder how we approve payday advance applications. Let us inform you that almost every online payday lender has a different method. At Net Pay Advance, we require our customers to meet these 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 (Net Pay Advance is licensed in California, Texas and Kansas), which means Wichita residents are eligible to apply

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Do you meet the above criteria? Apply now for quick cash!

Choose a state-licensed direct lender for your online payday loan

There are multiple benefits to borrowing from a Kansas-licensed direct lender, like Net Pay Advance. Most people want to do some research before choosing a lender. Once you begin your research, you’ll discover that most people prefer state-licensed direct lenders. Loans from direct lenders are simple, as you work with just one company.

A major reason consumers prefer state-licensed direct loans is the comfort in knowing that their personal information is safe. Instead of processing your loan application themselves, indirect lenders forward all your personal information to several other loan companies. Let’s look at a few things that could potentially occur when you work with an indirect lender:

  • Multiple companies could have access to your personal information such as your name, address, social security number, and more.
  • There’s no knowing who has access to your personal information. And you never know what companies or individuals might do with your data.
  • You’re likely to be inundated with multiple offers or receive a lot of unsolicited marketing messages.

When you choose a direct lender like Net Pay Advance, your personal information remains secure. We have several processes in place to protect and safeguard your credentials. At Net Pay Advance, we take our customers’ information very seriously and employ the latest security software. Our team comprises of individuals that are highly trained to handle sensitive information.

Easy and simple online loan process

Our online loan application is simple, easy, and fast. Applying for a payday loan with Net Pay Advance ensures that you receive a quick decision. We review your application and once approved, we transfer the funds to your account. It is as simple as that! And the best part? Our customer service team is there for you at every step of the process. Net Pay Advance customers can access their account online 24/7. Extend your due date, make a payment, add a debit card and more all from your personal account. Call us at 888-942-3320 to speak with a live Net Pay Advance representative if you have any questions. We are here to offer help and support through the entire process.

How to Identify Direct Lenders in Kansas

There are other perks of picking an online payday loan direct lender. Net Pay Advance closely adheres to all state and federal compliance standards. You can find out whether a loan provider is a state-licensed direct lender two different ways.

You can visit their website to view their licensing information. Most state-licensed direct lenders want prospects to know that information about them. They want you to know that you’re with a reliable loan provider. They’ll be happy to share that information through their website or over the phone. When looking at websites, you will see visual indicators which are links to their licenses that are clearly identified, information about rates and fees, a privacy policy, access to contact a live customer support team, call outs on their site about being a direct lender, etc.

Working with a state-licensed direct lender in Wichita, KS is undoubtedly the best choice for the smart consumer. Pick a Kansas-licensed direct lender for your quick cash and payday loan needs.

Apply now for a payday advance online. Qualifying individuals may be eligible to borrow up to $500!

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 Wichita, KS payday loan

Loans that don’t consider your credit score are convenient. Applying for online payday loans is even easier! We know that personal short-term loans can be expensive and that there are more affordable ways to secure cash quickly. One could apply for a more traditional loan or simply use their credit card. A potential issue in this approach might be a poor credit score. One could also explore options like borrowing money from family or friends. However, friends and family may not necessarily have the funds or be in a position to lend money. These factors play into why payday loans are the best choice for getting cash quickly. Almost 12 million Americans with bad credit need access to quick cash found through a payday loan. It is important to understand that short-term personal loans are not the same as other types of cash. Here are a few good loan practices for you.

While there is no limit to the number of loan companies one could work with, it is a good idea to apply for funds only when you absolutely need the money for an emergency expense. We know that it is difficult to turn down extra cash, but only taking what you need when you need it will help cut down expenses. “Emergency expenses” may look different to everyone. Some might need money to cover rent or mortgage payment. Others might need it to buy food and groceries. There are some who need cash for home or auto repairs.

There are several other reasons why someone might need a payday loan. It isn’t uncommon for people to get payday loans to split up a large purchase over two pay periods, or even to avoid an expensive fee or fine. Getting an online payday loan in Wichita, KS could help prevent over-drafting or having to pay a late fee.

Wichita, KS instant payday loans

They say, life in the Midwest is kind of slow, but the Net Pay Advance application process is far from it. We make it fast. Filling out the application is fast. It only takes about five minutes. You get a decision even sooner than that!

With Net Pay Advance, you don’t have to wait long for a decision. Approvals are communicated to you instantly!

The best part is that there are no tedious wait times to receive your funds. Net Pay Advance offers instant payday loans. Approved customers with a valid debit card on file can get access to funds in a matter of seconds!

Prefer not to have a debit card on file? That works, too! We will still deposit your funds directly, albeit customers don’t have the ability to take advantage of perks like instant funding and re-applying the same day as repayment. Approved applicants will still receive funding on the next business day through ACH deposit. Time of deposit depends on your bank, but most customers share that they got their funds by 10 AM the next business day.

Instant decision, no hard credit check, and fast funding – it doesn’t get any better than this!

Paying back your loan

All loans come with the expectation of getting repaid in time. An important aspect of availing a payday loan is repaying at the earliest. This helps reduce expenses and avoid late fees. At Net Pay Advance, our primary focus is on helping our customers. Loan due dates are determined by the applicant’s pay date that is between eight and 30 days away. We automatically withdraw payment on their due date. For some reason, if you anticipate not having the funds for a few extra days, we offer free extensions of three days. Just give us a call or set it up in your online account.

Net Pay Advance VIP Program

We have one more tidbit of advice for the smart consumer and that is – stick with one lender! We offer great benefits to our loyal customers.

Let us introduce the Net Pay Advance Rewards Program! This program is free, but is exclusive to just Net Pay Advance customers. It allows customers to automatically generate points to earn future discounts. The best part? You earn points through easy actions like adding a debit card, leaving a review, making a payment, and more! Customers are able to save money on loans in the future. Customers have all the control. Earn points and use those to unlock discounts, the higher the points the higher the discount. It pays to save, literally!

There is a sense of comfort and peace of mind in sticking to a single lender. As you get to know your lender, you get a clearer view of their processes. You’re also able to gauge their levels of security. Your information stays safe as opposed to being shared with a horde of other lenders.

Customer service is the most important element at Net Pay Advance. We are here for our customers and care about them. We try our best to offer the support they need and resolve their concerns. Contact us online, over phone, email or via text!

Apply now for quick cash and experience for yourself why our customers consider us to be one of the best online payday loan services in Wichita, KS.

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