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Have a question about Net Pay Advance or online payday loans? We have the answers.  

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Our friendly customer service team is here to answer your payday loan and account questions. We’re one-click away.

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[email protected]

1.888.942.3320

Not seeing what you need?

Our friendly customer service team is here to answer your payday loan and account questions. We’re one-click away.

Live chat support

Contact Us

[email protected]

1.888.942.3320

Application

  • How soon can I re-apply?

    If your loan is paid in full via debit card you can reapply the same day the loan is paid off. If your loan is paid in full via electronic check you will be able to reapply in four business days, after your payment has cleared the bank.  

  • How to apply for loans online?

    Apply for loans online right from our website. Create an account, and then fill out the application. Our application will ask for information such as, your name, address, income source, and a few other questions. It only takes about five minutes to complete, and you get an instant decision. Best of all, there’s no credit check! 

  • How will I know if I am approved?

    You will receive an instant decision after you have completed the application. Here it will show “approved”, “denied’, or “pending verification”. Pending verification just means we need a few more details before making a decision, a customer service representative will reach out to you! You will also receive an email notification letting you know if your loan application was approved. To speak with a representative regarding the status of your loan, call 1.888.942.3320. 

    What qualifications are required to receive a short-term loan from Net Pay Advance? 
    We look at many aspects in order to get you approved. Some of the things we verify are:  

    • You have a bank account in your name, and it has been open and active for at least 30 days 
    • Applicants must be at least 18 years old  
    • Verify your address is in a location where we are licensed to operate 
  • What qualifications are required to receive a short-term loan from Net Pay Advance?

    We look at many aspects in order to get you approved. Some of the things we verify are:  

    • You have a bank account in your name, and it has been open and active for at least 30 days 
    • Applicants must be at least 18 years old  
    • Verify your address is in a location where we are licensed to operate 
  • Account

  • How soon do I get my money?

    We are excited to offer instant funding to new and returning customers. Applicants must provide a valid debit card to be eligible. Approved funds are directly deposited instantly, 24 hours a day/7 days a week/365 days a year 


    No debit card? No worries. We will directly fund your account via ACH. Funding time depends on when your application was approved. If your loan application is approved by 7:30 PM CT/5:30 PM PT, you will receive your funds the next business day, usually around 10:00 AM CT/PT for most banks. Loans submitted after 7:30 PM CT/5:30 PM PT on Friday through Sunday will receive funds on the following Tuesday.  


    National Bank Holidays delay ACH funding by one business day.

  • What happens if I default on my loan?

    Your account will be sent to our in-house Collections team, who will work with you to set up a payment arrangement. Once your loan is paid in full you will be eligible to reapply. Pay off any past due balances as soon as possible by logging into your account or calling 1.888.942.3360. 

  • What happens if my loan is approved after the cut-off time on Friday or on the weekend?

    With a valid debit card on file, you’ll receive your funds instantly any time of the day.  
    If you don’t have a valid debit card on file, your loan approved after 7:30 PM CT/5:30 PM PT will be funded by the following Tuesday. Usually around 10:00 AM CT/PT, depending on your bank. 

  • What time will I receive my funds?

    With a valid debit card on file, you will receive your funds via direct deposit instantly, at any time of day. If you don’t have a valid debit card on file, you can expect to receive your approved funds the next business day. Availability of funds differs from bank to bank; however, typically funds are available by 10:00 AM CT/PT. 

  • Payday Loans

  • How do payday loans work online?

    Thanks to the internet, consumers now have the ability to apply for payday loans online with their computer or mobile device. The benefit of technology is that it’s often faster and easier to get a loan online, than driving all the way to a store.  
    Net Pay Advance, which offers payday loans online, provides a convenient way to apply for fast funds. Our customers complete their application online in a matter of minutes. If approved, they’ll receive their funds quickly via direct deposit into their checking account. Customers can manage their account from our website, or mobile app, any time of day. Of course, if you ever need assistance, our friendly team is a quick call away at 1.888.942.3320.

  • How to get quick loans online?

    Get quick loans online with Net Pay Advance! Our entire loan process is fast. Filling out the application only takes about 5 minutes. From there, you’ll receive an instant decision. If approved, funds are deposited quickly into your checking account. Some customers receive their funds in less than 15 minutes from start to finish.

  • What are the best payday loans?

    The best payday loans are convenient, secure, and affordable. At Net Pay Advance, we keep our payday loan process convenient. We follow strong safety precautions to keep your information secure. We’re a state-licensed lender, which means we abide by the state and federal regulatory standards for online short-term lending. Our customers say we offer the best payday loans. Check out some of our customer reviews now. 

  • What is a payday loan?

    A payday loan is a type of short-term personal loan. It’s designed to help individuals and families cover unexpected or emergency expenses until their next paycheck. Payday loans are generally repaid in one payment on the borrower’s next payday. 

  • What payday loans are easy to get?

    Online payday loans are easy to get. With an online payday loan service, you can apply from the comfort of your couch. It doesn’t matter if you have bad credit, good credit, or no credit. There’s no credit check! Use our fast application to apply for a payday loan now: Easy Apply

  • Where can I get payday loans?

    Need fast cash? In most states, there are a few payday loan options. Apply now at Net Pay Advance to see if you’re approved to get a payday loan! Our customers love that we offer payday loans without a credit check. 

  • Where to get loans online

    Some payday loan providers have upgraded to the digital age. With Net Pay Advance, our payday loan services are exclusively online and over the phone. Our customers get loans online through our website. It’s an easy application and the funds are direct deposited into their bank account quickly. Learn more about our payday loans online

  • Who does payday loans?

    Payday lenders offer payday loans. Payday lenders are defined as companies or organizations that offer consumers short-term personal loans with the agreement for repayment when the borrower receives their next paycheck, or within a set amount of time. Choose Net Pay Advance for your payday loan needs. Learn more here.

  • FAQs

  • Do you accept Social Security Income?

    Yes, we accept Social Security, retirement, and pension.

  • How do I apply for a short-term loan?

    Apply for a short-term loan now by clicking this link, or the ‘APPLY NOW’ button at the top of this page. You’ll be taken to the online payday loan application. Fill out the application and get a decision instantly. Also, you can download our mobile app to your phone and complete a new application there! If you would like further assistance, call 1.888.942.3320. 

  • When will I receive funds in my bank account?

    At Net Pay Advance, our customers receive their funds via a direct deposit to their bank account. We now offer instant funding. Customers with a valid debit card on file can get their money in a matter of minutes. Learn more about our instant loans. 


    For customers without a valid debit card, a direct deposit will be made the following business day. Funds are not deposited on the weekend, or national bank holidays. Bank times may differ, but most customers report having their funds by the morning of the next business day, around 10:00 AM CT/PT.  


    Loans must be approved by 7:30 PM CT/5:30 PM PT for funds to be available the next business day. 

  • Who does payday loans near me?

    Your closest payday loan provider, Net Pay Advance, is located online. Access us on your nearest computer or smart device. We’re just a couple clicks away. No need to drive, or even change out of your comfy clothes!

  • Ready to apply?

    Complete our simple and easy online loan application in minutes!

    Ready to apply?

    Complete our simple and easy online loan application in minutes!

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