Trusted Payday Loans Online

Get a paycheck advance in a pinch.

Get a paycheck advance in a pinch.

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Disclaimer: Eligible loan amounts vary per state regulation.

Simple fast loans. So you can get back to what matters.

Need an immediate loan to cover an urgent expense between paydays? We can help. Our online payday loans are designed to be quick and simple.

Apply now to see if you qualify.

Simple fast loans. So you can get back to what matters.

Need an immediate loan to cover an urgent expense between paydays? We can help. Our online payday loans are designed to be quick and simple.

Apply now to see if you qualify.

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For emergencies that arise out of the blue

Woman looking on her phone while graphic of phone shows a UI for a loan app

For urgent expenses that can’t wait

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For approvals without a credit score requirement

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For financial help between paychecks

Fast loans online to match your unique needs

Single-Pay Payday Loan

A single-pay payday loan is a small, short-term paycheck advance. It is paid back in full on your next payday. A great one-and-done solution.

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Installment Loan Online

Our installment loans give you the cash you need and flexibility to make small, fixed payments over time. No penalty for early payoff. These are typically repaid over 180 days.

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Online Line of Credit

With a line of credit, you have access to funds like a credit card. Draw from your credit limit and repay over time. No need to reapply between draws.

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Fast loans online to match your unique need

Payday Loan

A payday loan is a small, short-term personal loan. Our simple and fast loans are usually paid back in about 7 to 31 days, when you get your next paycheck.

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Installment Loan

Net Pay Advance offers an installment loan product option for Texas residents. You can repay this personal loan in smaller amounts over a 6-month period.

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Line of Credit

A line of credit account gives you access to cash when you need it. Draw from up to $3,000 and make monthly payments on your balance like a credit card.

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Apply and get an instant decision

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Receive funds and pay off your emergency expense 

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Manage your loan repayments with our convenient options

How it works

At Net Pay Advance, we offer simple fast loans in Texas, California, and Kansas with no collateral and no credit needed. We offer instant funding options with an eligible debit card on file. No debit card? No problem. We also offer quick next-day loans for those without a debit card.

Manage your loan repayments in your account, via text, or in the palm of your hand with our mobile app. It’s all just a click away.

From the comfort of your own home or office, apply for a Net Pay Advance payday loan online today!

See how it works in action

How it works

At Net Pay Advance, we offer simple fast loans in Texas, California, and Kansas with no collateral and no credit needed. We offer instant funding options with an eligible debit card on file. No debit card? No problem. We also offer quick next-day loans for those without a debit card.

Manage your loan repayments in your account, via text, or in the palm of your hand with our mobile app. It’s all just a click away.

From the comfort of your own home or office, apply for a Net Pay Advance payday loan online today!

Apply Now button in front of a green blob

Apply and get an instant decision

Purple arrow pointing down
Piggy bank below several icons that represent education, home, food and health

Receive funds and pay off your emergency expense 

Purple arrow pointing down
Woman talking to a client while working on the computer

Manage your loan repayments with our convenient options

See how it works in action
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Requirements to apply

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You must be at least 18 years of age or older

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A bank account in your name & open for over 30+ days

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Address in location where we’re licensed to operate

Payday, Payments, and personal stories cursive header

A payday loan is a small personal loan that is designed to be a solution for unexpected expenses between paychecks. The term is used to describe a few kinds of loans and repayment plans.

Depending on your state, you may get a single-pay payday loan, installment loan, or line of credit. A single-pay payday loan is traditionally paid back in full on your next payday. An installment loan is often a larger sum of money that is repaid bit-by-bit each payday. A line of credit is more flexible with monthly minimum payments that fall on your payday.

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Everyone has a unique situation. Our loans are solutions that we can offer you between paychecks and depending on your state’s regulations. Take a quick look at some examples here.

Cartoon portrait of Chris

Chris
Single-pay payday loan

Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.

Cartoon portrait of Jenna

Jenna
Installment loan online

Jenna’s client didn’t pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She’s approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.

Cartoon portrait of Mike

Mike
Online line of credit

Mike’s family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He’s approved for $2,500 and is able to pay his family’s medical needs as they happen. He makes repayments over time. He doesn’t have to reapply for a loan when the next need arises.

A group of friends posing and waving for a picture

Payday, Payments, and personal stories cursive header

A payday loan is a small personal loan that is designed to be a solution for unexpected expenses between paychecks. The term is used to describe a few kinds of loans and repayment plans.

Depending on your state, you may get a single-pay payday loan, installment loan, or line of credit. A single-pay payday loan is traditionally paid back in full on your next payday. An installment loan is often a larger sum of money that is repaid bit-by-bit each payday. A line of credit is more flexible with monthly minimum payments that fall on your payday.

Everyone has a unique situation. Our loans are solutions that we can offer you between paychecks and depending on your state’s regulations. Take a quick look at some examples here.

Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.

Jenna's client didn't pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She's approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.

Mike's family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He's approved for $2,500 and is able to pay his family's medical needs as they happen. He makes repayments over time. He doesn't have to reapply for a loan when the next need arises.

As you can see, each loan repayment plan is centered around the person’s next payday. However, the amount and frequency change. As a state-licensed lender in California, Texas, and Kansas, Net Pay Advance upholds state and federal regulations related to short-term lending. We’re dedicated to providing high security levels as well. Our friendly team is here to help you be successful with your payday loans. Take a look at some frequently asked questions.

In today’s world, there are many expenses that can arise out of nowhere. We understand that life happens and we believe that people deserve access to help regardless of credit when it’s needed most. For that reason, we keep up with the digital world as well and are proud to be a trusted, legit lender. You can also find that we offer a convenient mobile app where you can manage your loans.

Apply Now

As you can see, each loan repayment plan is centered around the person’s next payday. However, the amount and frequency change. As a state-licensed lender in California, Texas, and Kansas, Net Pay Advance upholds state and federal regulations related to short-term lending. We’re dedicated to providing high security levels as well. Our friendly team is here to help you be successful with your payday loans. Take a look at some frequently asked questions.

In today’s world, there are many expenses that can arise out of nowhere. We understand that life happens and we believe that people deserve access to help regardless of credit when it’s needed most. For that reason, we keep up with the digital world as well and are proud to be a trusted, legit lender. You can also find that we offer a convenient mobile app where you can manage your loans.

Apply Now

Customer reviews

Payday loans near you

Net Pay Advance has been a state-licensed lender for short-term loans online for over a decade. We deliver simple fast loans to our customers in Texas, California, and Kansas. Look no further for payday loans near you—you can apply online on our website. What could be closer? Select your state from the list to learn more.

Apply Now
California, Kansas, and Texas highlighted on a map of the US
California, Kansas, and Texas highlighted on a map of the US

Payday loans near you

Net Pay Advance has been a state-licensed lender for short-term loans online for over a decade. We deliver simple fast loans to our customers in Texas, California, and Kansas. Look no further for payday loans near you—you can apply online on our website. What could be closer? Select your state from the list to learn more.

Apply Now

Compare our online loan options


Eligible amounts


Loan term


Payment extension


Credit check


Return fee


Can you receive multiple return fees?


Late fee


Does the minimum payment decrease my principal balance?


How often will a payment be due?


Do we accept partial payments?

Single pay loan

(Currently available to residents of California only)

Apply Now

$100–$255


7–31 days (before it must be rolled over or bought down)


3 days


No hard credit check


$15


No


N/A


N/A


Every payday


No

Installment loan

(Currently available to residents of Texas only)

Apply Now

$100–$1,200


180 days – due dates determined by customer pay dates


5 days


No hard credit check


$30


Yes, one for every returned ACH


Yes, $7.50 on the 11th day past due


Yes


Every payday


Yes

Line of credit

(Currently available to residents of Kansas only)

Apply Now

$100–$3,000


Open-ended loan, no end date. Requires at least minimum statement payment on due date


5 days


No hard credit check


N/A


No


Yes, up to $10 on the 11th day past due


Yes


Statement minimum payment due every payday; however, there’s no set date that loan must be repaid in full


Yes

Compare our online loan options

Single pay loan

(Currently available to residents of California only)

Apply Now

Learn more

Eligible amounts

$100–$255


Loan term

7–31 days (before it must be rolled over or bought down)


Payment extension

3 days


Credit check

No hard credit check


Return fee

$15


Can you receive multiple return fees?

No


Late fee

N/A


Does the minimum payment decrease my principal balance?

No


How often will a payment be due?

Every payday


Do we accept partial payments?

No

Installment loan

(Currently available to residents of Texas only)

Apply Now

Learn more

Eligible amounts

$100–$1,200


Loan term

180 days – due dates determined by customer pay dates


Payment extension

5 days


Credit check

No hard credit check


Return fee

$30


Can you receive multiple return fees?

Yes, one for every returned ACH


Late fee

Yes, $7.50 on the 11th day past due


Does the minimum payment decrease my principal balance?

Yes


How often will a payment be due?

Every payday


Do we accept partial payments?

Yes

Line of credit

(Currently available to residents of Kansas only)

Apply Now

Learn more

Eligible amounts

$100–$3,000


Loan term

Open-ended loan, no end date. Requires at least minimum statement payment on due date


Payment extension

5 days


Credit check

No hard credit check


Return fee

N/A


Can you receive multiple return fees?

No


Late fee

Yes, up to $10 on the 11th day past due


Does the minimum payment decrease my principal balance?

Yes


How often will a payment be due?

Statement minimum payment due every payday; however, there's no set date that loan must be repaid in full


Do we accept partial payments?

Yes

Frequently Asked Questions