Payday Loans Online Missouri

Same-day payday loans online for Missouri residents

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This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot This badge shows that Net Pay Advance is a 'state licensed direct lender'. In the center is the image of a bald eagle and 4 stars. This green blue and white circular badge shows that Net Pay Advance is 'Confidential and secure'. There's a lock icon in the middle and three white stars at the bottom. This upside down shield-shaped badge shows Net Pay Advance's three values of being a 'simple secure trusted' online payday loan provider. White text is on a blue and green background. At the bottom of the badge, there is a blue shield with a green checkmark.

How much would you like to borrow?


Disclaimer: Eligible loan amounts vary per state regulation.

What you need to apply for an online payday loan

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Be at least 18 years of age or older

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Bank account in your name active for at least 30 days

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Be a Missouri resident

A white bag of money surrounded by circulating arrows sits on a green circle. The icon is used to represent a revolving line of credit.

Line of Credit

A revolving line of credit gives you access to funds when you need them. Draw from up to $3,000 and make monthly payments on your balance, like you do with a credit card.

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How to get our line of credit in Missouri

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Complete our simple and secure online application in minutes.

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Our team will review your application and give you an instant decision.

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Approved funds are directly deposited to your account the same day*!

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Our mission is to provide the best payday loans online for our customers. Read what over 8,000 people say about us!

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Rates and Terms

We are a Missouri state-licensed direct lender for online payday loans. See our rates and terms for our Missouri line of credit.

Payday loans near me

We’re your closest lender. Apply anytime online or on your phone. We provide Missouri residents with fast same-day loans online. Here are just some cities in Missouri we service!

Red/pink map pin drop icon Payday loan Kansas City, MO

Red/pink map pin drop icon Payday loan St. Louis, MO

Red/pink map pin drop icon Payday loan Springfield, MO

Red/pink map pin drop icon Payday loan Warrensburg, MO

Red/pink map pin drop icon Payday loan Macon, MO

Red/pink map pin drop icon Payday loan Warrenton, MO

Red/pink map pin drop icon Payday loan Bolivar, MO

Red/pink map pin drop icon Payday loan Joplin, MO

Blue and green graphic of the state of Missouri with text on top saying Missouri we've got you. and the Net Pay Advance logo below it.

Quick and secure same-day payday loans up to $3,000.

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Why choose a Missouri licensed direct lender?

Choosing a direct lender like Net Pay Advance for a payday loan online has many benefits. A direct lender will usually be quicker, easier, and more secure to work with than an indirect lender. Direct lender payday loans can be a great way to get the cash advance you need while protecting yourself from risks that come with borrowing from unlicensed lenders. As a state-licensed lender, Net Pay Advance not only offers fast same-day loans. We also adhere to regulations that protect your privacy and security.

Direct lenders offer high security

Security is a top priority. When you borrow money with us, we treat your information with respect. We never sell your personal information to third parties. Instead, we use several processes such as the latest security software and rigorous training of our staff to make sure your information continues to be protected. Learn more about our website security.

Indirect lenders, on the other hand, may sell your data. It could end up with a fraudulent party. They may send you offers you are not approved to borrow. Moreover, you may not know the company you are borrowing from, despite who approved your application. You don’t have to worry about that with a direct lender such as Net Pay Advance.

When you work with us, you have less to worry about. You can feel assured your information is protected. You won’t be receiving mail that is unsolicited from another company. We want you to feel good about your privacy and where your money is coming from. With us, you get more peace of mind. We’re with you each step of the way.

A light blue computer and smart phone are looked at under a magnifying glass. The computer says "state licensed" and "certified direct lender". The phone showcases a call with Net Pay Advance. The magnifying glass is light blue. It all sits on top of a yellow background. In the bottom left of the picture, there is a green, blue and white badge that says Net Pay Advance is a "state licensed direct lender". It has an image of eagle in the center.

You can check if a loan provider is a state-licensed direct lender in two ways.

  • See if they list the information on their website
  • Call them for more information about their licenses

Fast loan process with revolving line of credit

The process is simple with us. Apply for a Missouri line of credit with no hard credit check. You will instantly be given a decision on your application. If approved, we deposit your money quickly. If you have a valid debit card on file, you can get same-day loans with instant funding. Otherwise, you can receive your money with a next-day deposit. We make repayment convenient, too. You can log into your account at any time. There, you can view your loan information. You can also call us to speak with a live representative.

Smart practices for your cash advance

Each year, almost 12 million Americans choose to take out a personal loan. For some, getting a cash advance is the quickest option for their situation. Our simple online process makes it even more convenient. That is why it is important to be aware of some good loan practices to follow. Here are a few of our recommendations to help you have a positive online loans experience.

A blue and green clipboard with a checklist of best practices when working with an online payday loan provider. There's a yellow checkmark in a blue box next to each of the following suggestions. The suggestions are in blue text and say the following: "Only borrow what you need. Work with one lender at a a time. Only borrow for emergency expenses. Repay your loan ASAP!"

• Apply for only the funds you need to cover an emergency expense.

• Work with one payday lender at a time.

• Use an online payday loan for urgent expenses only.

• Repay your personal loan amount as soon as possible.

Repaying your payday loan online

One of the best practices is to make your repayments as soon as possible. Doing so helps you make your payments on time. This will allow you to avoid late fees. Did you know that at Net Pay Advance, you can get a due date extension of up to 5 days for free? We are here to help our Missouri customers. If you realize you will not have funds on time, give us a call or set up a free due-date extension in your account online. We can also offer a Promise-to-Pay (PTP) plan. Learn more about your repayment options any time.

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Net Pay Advance is all about helping you make the most of your time and money. That’s why we offer a rewards program. When you borrow with us, you can earn points and redeem them for awesome discounts.

Our rewards program is simple. Complete small tasks, earn points, and save money! It’s just one of our customer benefits. Apply now for fast cash and discover why our customers think we provide one of the best online payday loans Missouri!

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Learn more to see why our payday loans online are the best in Missouri!

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