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State Licenced Direct Lender

Net Pay Advance is an online payday lender in California, Texas, and Kansas

Learn more about our state-licensed online payday loans.

California

Net Pay Advance is an online payday loan company that is a State Licensed Direct Lender by the California Department of Financial Protection and Innovation (DFPI). We follow all state regulations for personal lending in the state of California. Contact details for the DFPI can be found here.

See our California license

Texas

Net Pay Advance is a Credit Services Organization licensed by the OCC of Texas. We follow all state regulations for personal lending in the state of Texas. Contact details for the Texas Office of the Consumer Credit Commissioner can be found here.

See our Texas license  

Texas CSO Registration Certificate

Kansas

Net Pay Advance is a Supervised Lender licensed by the State Banking Commission of Kansas. We follow all state regulations for personal lending in the state of Kansas. Contact details for the Kansas Office of the State Banking Commissioner (OSBC) can be found here.

See our Kansas license

 

By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by: the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law; The Texas Office of the Consumer Credit Commissioner pursuant to Chapter 393 of the Texas Finance Code: Credit Services Organizations; and The Office of the Kansas State Banking Commissioner pursuant to The Kansas Uniform Consumer Credit Code.