Types of Loans

Compare online personal loans to see which is right for you

Payday Loans
Installment Loans

At Net Pay Advance, our focus is helping you get the cash you need quickly. For our customers, we offer no-credit-needed loans with instant decisions, to help people with bad credit or no credit get fast access to a loan.

Our instant decision loans are available in two forms — an online payday loan and an online installment loan. Each are available online, and only require a quick and easy online application you can do right from your phone.

Apply Now

Just how fast is a loan decision from Net Pay Advance?

same day loan desicions in seconds with stopwatch

Payday Loans

What’s an online payday loan? It’s the preferred short-term personal loan option for most people to bridge the gap between pay periods.

In fact, payday loans online are our most popular service. You may have heard this loan type called a cash advance, which speaks a little bit to how a traditional payday loan works.

Payday loans are designed to give you early access to some of the money you’ve already earned. With only a no-credit-needed application, we’ll instantly verify your pay and pay frequency to deliver you a safe amount you’ll be able to payback come your next payday.

It’s pretty simple, really. We give you a cash loan to help you handle those pesky bills that come due before payday. We handle your loan responsibly, giving you a totally worry-free experience. With us, you get a safe amount of money that’s easy to repay.


  • Never a hard credit check
  • Always no collateral
  • Available to California, Kansas, and Texas residents
  • Due date on payday with a minimum of eight days, maximum 31 days
  • Free 3-day due date extensions available to all customers
  • Fee rollover and principal buydown service options (*Texas only)
  • Available borrowing amount dependent on state regulations
  • Eligible for promotional discounts


Interested in an online payday loan? Get started on an application below.

Like a little more information? Read our FAQ on Net Pay Advance payday loans here.


Installment Loans

What’s an installment loan online? It’s a lot like a payday loan, only with larger borrowing amounts and longer repayment terms.

An online installment loan is a preferred short-term personal loan option for people whose need extends beyond a few hundred dollars. An installment loan is a type of personal loan that’s paid back in individual payments. Each payment is known as an installment, hence the name.

Unlike a traditional payday loan that has a due date in line with the borrower’s next pay date, the borrowing terms for an installment loan are much longer. With us, it’s up to six months.

Personal loans like installment loans are best used to cover larger expenses, beyond a standard payday loan. In Texas, eligible customers may access up to $1,200 in cash with an online installment loan. Repayment is simple with due dates aligned with your pay schedule. Plus, you have the freedom to pay the loan back early and save on interest.


  • Never a hard credit check
  • Always no collateral
  • Available to Texas residents
  • Payments due as scheduled over 180-day term
  • Freedom to pay loan early and save interest
  • Available loan amount up to $1,200 for established borrowers
  • Eligible for promotional discounts


Installment loans are only available to our customers in Texas right now.

Like a little more information? Read our FAQ on Net Pay Advance installment loans here.


Which online loan is the best loan for me?



How much money do you need?

Did you know? Most people only need $250 to make ends meet. 

We offer loans starting at $100 and going up to $1,200 to eligible customers. For needs of a few hundred dollars, a payday loan can be a great fit. For needs beyond a few hundred dollars, an installment loan may better serve you.

When would you like to repay the loan?

If you are someone who likes to get things off your plate quickly, a traditional payday loan may serve you best. If you are able to repay your loan quickly, you may also prefer a traditional payday loan. Traditional payday loans will be due on your next payday — about two weeks out, on average.

On the other hand, should you like the option of repaying your loan with scheduled payments over a six-month duration, an installment loan may be more to your liking. With an installment loan, there are no penalties for paying off the loan early, allowing you to save interest. Installment loans can have terms up to 180 days.

To better help you decide what loan type is right for you, take a look at the chart below for specific information on online personal loans.




(Currently available to residents of California, Kansas, and Texas)


(Currently available to residents of Kansas only)


(Currently available to residents of Texas only)

Eligible Amounts $100 – $1000 $100 – $1200 $500 – $3,000
Loan Term 7-31 days (before it must be rolled over or bought down 180 days – Paid back over several months Statement minimum payment due every payday, but flexible timeline for full repayment
Payment Extension 3 days 5 days 5 days
Credit Check No hard credit check No hard credit check No hard credit check
Return Fee Varies by state $30 $0
Can you receive multiple return fees? No Yes, one for every returned ACH No
Late Fee N/A Yes, $7.50 on the 11th day past due No
Can you receive multiple late fees? N/A Yes, one for every statement that is more than 10 days late Yes, ranges from $5-$10 depending on the amount due
Does the minimum payment decrease my principal balance (TX)? No Yes Yes
How often will a payment be due? Every payday Every payday Statement minimum payment due every payday, however there’s no set date that loan must be paid in full
Do we accept partial payments? CA: No, loan must be paid in full on it’s due date. TX: No, you must pay at least the finance fee on the loan’s due date. Yes Yes


Why Net Pay Advance?

Founded in 2007 by Brian J. Staver, Net Pay Advance exists to give money to people who need it. But simply offering short-term personal loans weren’t enough.

Net Pay Advance wanted to help more than just in our neighborhood. We built our company online so more people could have a trusted payday loan company in their neighborhood.

We made it easier to get a loan — and we’re pushing the boundaries to make it even easier.

Today, we’re not only online. We’re on your phone. You can submit a first-time application in minutes, or reapply in mere seconds — always right from your phone.

You have options for short-term payday loans for bad credit or no credit. But we’d like you to try us. We think you’ll like what you get with us.

With us, we give you an instant decision on your loan. You like to move fast. So we move fast with your loan. We’ll let you know if you were approved in a matter of seconds, that way you can get back to life.

Join the thousands who have discovered the better, more secure lender.

One click for a better lender.

Apply Now


Frequently Asked Questions

Undoubtedly, Net Pay Advance is reputable. Since 2007, Net Pay Advance has serviced millions in personal loans to people with bad credit or no credit. Our company is built on providing simple, secure, and trusted online personal loans. Our stellar reputation is backed by nearly 7,000 verified user reviews on Trustpilot. Of those, over 92% have rated 5-stars. We’re confident in our service. So we let authentic reviews from real people do the talking.
Net Pay Advance does not have coupon codes. But we do offer a rewards program that gives points for taking care of business, like making an on-time payment or linking a debit card. Valued customers may earn discounts up to 20% off a future loan with Net Pay Advance rewards.
Net Pay Advance has its headquarters in Wichita, Kansas. Net Pay Advance is licensed to operate in California, Kansas, and Texas. Our team of real people is accessible by phone or live chat, Monday through Saturday. We don’t have physical locations, but we are accessible online 24/7.
For sure! You can get a payday loan with bad credit. You can get a payday loan with no credit. It’s important to note that “no credit check payday loans” don’t truly exist. A soft credit check is usually run to confirm your identity. But Net Pay Advance recognizes that a number of Americans have poor credit. To us, a credit score doesn’t matter. Net Pay Advance provides cash assistance through an online payday loan with regardless of your credit.


Have more questions? Visit our FAQ to learn more.