Payday Loans Online

Apply for a secure online payday loan from Net Pay Advance and get an instant decision. Now offering quick, same day funds!

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We offer payday loans in California, Texas, and Kansas

What is a payday loan?

A single-pay payday loan is a short-term loan that can help you between pay periods. This no credit check loan option is easy to apply for and simple to pay back.

Payday loans are designed to help everyday people get through in the time in-between pay periods. For most, payday comes every two weeks. Otherwise known as a cash advance, payday loans help cover unexpected or emergency expenses or cover a bill in the time in-between. An online payday loan from Net Pay Advance gives you access to your money before payday.

How do payday loans work?

With an online payday loan through Net Pay Advance, we give you the money. You use it as you need it. You pay back the amount borrowed (plus a borrowing fee) on your next payday.

Single-pay payday loans work with an individual due date that falls on your next payday. Usually, that’s between seven and 31 days after you receive your cash from Net Pay Advance. In most cases, you don’t pay us until you are paid.

No credit check is required, and the application process takes only minutes. Applications are processed quickly. You’ll have an instant decision the same day. Deposits are fast too. With a valid debit card on file, you’ll receive your funds instantly with our same day payday loand eposits. If you don’t have a valid debit card on file, that’s okay. Net Pay Advance will deposit your cash into your account on the next business day. Then you repay the loan in a single transaction following your next payday.

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*Approved applicants with a valid debit card on file qualify for a same day deposit. Otherwise, approved funds are deposited the next business day.

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Complete our simple and secure online application in minutes. Once you hit submit, we’ll take care of the rest.

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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*!

Why thousands recommend Net Pay Advance logo with cursor in the corner of logo

We’ve got quite a bit to offer. Here are just a few out of the countless reasons why customers keep coming back.

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Referral Program

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Free Due Date Extensions

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Discounts

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Mobile App

At Net Pay Advance, we prioritize YOU – the customer, by offering quick access to cash. We empower you by providing cash assistance with no credit checks so that you can meet their expenses till you receive your next paycheck

Am I eligible for a payday loan?

Payday loans are available to applicants with no credit check required. Instead, Net Pay Advance requires that applicants meet a set criteria.

 
 
 

Be at least 18 years of age or older

Have a resident address in California, Kansas, or Texas

Have a bank account active in your name for at least 30 days

Please note that the criteria above is required to apply and does not automatically qualify or guarantee approval of a loan. Applications process quickly through Net Pay Advance. Approved applicants may see their cash deposited into their bank account the same. Unlike other payday lenders, payday loans from Net Pay Advance do not require (nor accept) collateral.

Am I eligible for a payday loan?

Payday loans are available to applicants with no credit check required. Instead, Net Pay Advance requires that applicants meet a set criteria.

18 years and older symbol

Be at least 18 years of age or older

customer must live in california, kansas, or texas

Have a resident address in California, Kansas, or Texas

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Have a bank account active in your name for at least 30 days

Please note that the criteria above is required to apply and does not automatically qualify or guarantee approval of a loan. Applications process quickly through Net Pay Advance. Approved applicants may see their cash deposited into their bank account the same. Unlike other payday lenders, payday loans from Net Pay Advance do not require (nor accept) collateral.

What are the terms of a payday loan?

Single-pay payday loans through Net Pay Advance have a length term of seven to 31 days. We (typically) don’t ask you to pay us back until after you have been paid. Net Pay Advance customers are offered a free three-day extension, which allows customers up to three days beyond their length agreement to repay their loan.

Eligible borrowing amounts start at $100. Up to $1000 may be accessible in your area. No late fees apply to single-pay payday loans from Net Pay Advance.

Easy and affordable

Net Pay Advance made it easy to get the cash I needed and paying off the loan was hassle free.

– Christopher S

Highly Recommend

Truly the fastest and easiest place to do business with. I’m a very satisfied customer!

– Noelia R

Great customer service

Great customer service, prompt response and available whenever needed.

– Shanani B

 

Frequently Asked Questions

1How can I get a payday loan online?

Net Pay Advance makes getting a payday loan online quick and simple. To get started, fill out an application. The process only takes a few minutes, and you’ll receive an instant decision. If approved, funds are deposited directly into your bank account.

2 Is a payday loan right for me?

Payday loans are flexible and easy to obtain. Net Pay Advance does not require a credit check. Our team works to match our customers with a loan fit for them, with the right loan length and loan amount. A payday loan online from Net Pay Advance gives you early access to your money. Plus, it does so without necessary credit checks, like you’d see with a personal loan or credit card. We believe financial assistance should be available to everyone — including those with bad credit or no credit.

Most people only need $250 to make ends meet. Why make them wait for it?

3How much does a payday loan cost?

Rates differ by state. Fees are applied to every $100 of the principal, or borrowed, amount. Plus, the fee is consistent throughout the loan process, assuming you repay on-time. Visit us here where we list our rates and terms to learn how much a payday loan costs.

4How do I use my payday loan?

Short-term loans allow you to keep cash on-hand for other purposes, instead of tying up all your money at once. They’re commonly used for unexpected expenses. A few hundred dollars is usually enough to cover a sudden medical bill, car repair, or minor home repair. It can help get you to your next paycheck. There are other uses for payday loans. Some of our customers like to use payday loans to help split up large purchases over two paychecks. Other times, they’ll use a payday loan to avoid a larger fee such as a bank overdraft fee or a late fee.

5 What is APR?

Payday loans are commonly evaluated by their annual percentage rate, or APR. It’s similar to an interest rate, except it’s the total cost of the loan expressed on a yearly basis. These numbers decrease when a loan term is longer, and increase when it’s shorter. But the reality is dollars and not percentages. Single-pay loans are paid in a matter of days, and not over the course of a year. Instead of looking at the APR, consider the fee per $100 borrowed. That’s a more accurate number.