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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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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 needed loan option is easy to apply for and simple to pay back.

Payday loans are designed to help everyday people get access to quick and secure funds when a need arises. 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 paychecks. An online payday loan from Net Pay Advance gives you access to your money before payday.

California residents: loan amounts up to $255
Texas residents: loan amounts up to $1200
Kansas residents: loan amounts up to $500

Loan amount limits in California, Texas and Kansas

Why do I need a payday loan?

Life happens in the blink of an eye, and sometimes it comes with an unexpected or emergency expense. Wanting to know how to get quick loans online? When you need money quickly, a payday loan from Net Pay Advance is the solution. Our loans help everyday people get from paycheck to paycheck when they don’t have access to quick cash from alternative resources like a credit card or secured bank loan. Thousands of customers rely on Net Pay Advance to get a quick loan online before payday. It’s fast funds to help cover an emergency expense like a home or auto repair, medical bill, or late fee.

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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. At Net Pay Advance, we offer all our customers the flexibility to move their payment due date by three days if necessary.

No hard 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 loans deposits. 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.

Why thousands recommend Net Pay Advance

For those wondering, ‘Where can I get payday loans?’, thousands of our customers recommend Net Pay Advance for a superior payday loan online. There are a few reasons we’re the top ranked payday lender on Trustpilot.

referral program

Referral Program

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Free due date extensions

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Discounts

Net Pay Advance mobile app

Mobile app

… plus, more. Try us yourself to see the ease and convenience that comes from a quick loan with Net Pay Advance.

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You’ll need these items to apply for our online loans:

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Personal information (such as name)

18 years or older icon

Date of birth 18 years old or older

KS, TX, and CA location marker

Home address in a state we’re licensed to operate

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Your bank account information

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Info on your source of income

What do I need to apply?

For those wondering how to get a quick loan with bad credit, we can help. We consider many factors when evaluating applicants during the approval process; including, alternative credit data, verified income, and other financial history. We believe even people with bad credit deserve access to financial help. Instead, our application helps us confirm a few things. How old are you? Do you live in a state that we’re licensed to operate? Is there an active bank account in your name? Do you have a source of income? These are all requirements for our loans.

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What are the rates and 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. 

Learn More
Net Pay Advance loan terms of 7 to31 days
 

Frequently Asked Questions

Lending can be confusing. We’re here to help you every step of the way.

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 loan deposits. 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.

How 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..

How to get payday loans with “no credit check”?

We understand that not everyone has a 750 credit score, which is why we use a variety of alternative data sources to review applicants. Our “credit check” is a soft credit check, which means that it doesn’t hurt your score, is only visible to you, and the inquiry falls off after 30 days. You don’t need good credit to apply for a payday loan with Net Pay Advance.

How to get quick loans online?

We preferred instant to quick which is why we added instant funding in 2021 and made it available to both new and return customers. Applicants must have a valid debit card on file to be eligible. No debit card? No prob! Approved funds are directly deposited the next business day.

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.

Who does payday loans?

Payday loans are available from lenders all over the country. Net Pay Advance has been offering payday loans to customers since 2007. We are a state-licensed direct lender, which means that your information stays with us from application to repayment. Keeping our customers secure is our #1 mission!

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 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.

How soon will I get my money?

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

How to apply for loans online?

Apply online for a simple and secure personal loan through Net Pay Advance. We are a state-licensed direct lender in California, Texas, and Kansas with new states on the way! Products, term lengths and loan amounts vary based on state regulation.

What payday loans are easy to get?

Payday loan access without leaving your home? We think that’s the easiest way. Apply online with our quick and easy application or download our mobile app to keep us on your home screen. Need additional funds in the future? Simply login and reapply from your customer account through our shortened return customer application. Don’t forget – starting in 2021 we have been offering both new and return customers instant funding! Eligibility is determined by having a valid debit card on file.

How 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.

How do payday loans work online?

Online payday loans work very similar to regular store-front payday loans except everything is handled through your smartphone. Apply online or through our mobile application, approved funds are deposited directly to your account, and repay your loan automatically on your due date. Need personal assistance? Our 5-star support team has you covered. Give us a call at 888-942-3320 for quality help!

Is a payday loan right for me?

Payday loans are flexible and easy to obtain. Net Pay Advance does not run a hard 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 hurting your credit score, like you’d see with a personal loan or credit card credit check. 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?

What are the best payday loans?

“Best” is determined by the customer, but with over 7,000+ 5-star customer reviews and counting, we would say that we are the “best” for quite a few people! Net Pay Advance offers a simple, secure, and trusted online payday loan product, and we’ve doing that for over a decade. Apply online through our no credit check application, manage your loan through your customer portal from funding to repayment!

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.

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.

Where can I get payday loans?

Look no further! Net Pay Advance is a state-licensed direct payday lender in California, Texas, and Kansas, with more states on the way. Apply online in minutes using our secure online payday loan application.

Where to get a loan with no credit check?

We understand that those with less than stellar credit are not given the same access to cash. That’s why we offer no credit check payday loans through our simple, secure, and trusted online loan products. No credit checks, ever.

Who does payday loans near me?

Payday loans are as nearby as your smartphone with Net Pay Advance. Use our online application or download our mobile app to get access to quick and secure funds in minutes. We don’t think it’s necessary to leave the house to get cash. Apply anywhere, anytime.

Who offers refund application loans online?

Tax service institutions may offer refund anticipation loans online. However, if you’re looking for quick cash now until your tax return is deposited then Net Pay Advance is happy to help you through any of our cash advance products. Apply online, instant decision and funds deposited in as little as 15 minutes!

Can we provide more information?

"This is the easiest payday loan company I have ever seen or used. What I found absolutely amazing is they were able to transfer funds instantly because I have a card on file."- Timothy
"The service was excellent and was there when I really needed it. I would highly recommend Net Pay Advance."- Joan
"[Lightning] fast loan! That was the easiest loan process ever! Thank you for helping me out in a BIG JAM!"- Precious
"I truly would recommend this company to anyone that’s looking for a quick loan. My schedule is incredibly busy so I really appreciate the convenience…"- Jeannette