Questions about your short-term loan?

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NetPayAdvance online payday loan support

Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

Have a Question? We have answers.

Frequently Asked Questions

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

Do you accept Social Security Income?

Yes, we accept Social Security, Retirement, and Pension.

How do I apply for a short-term loan?

Click the 'Apply Now' button at the top of your screen to fill out a loan application online. If you would like further assistance, call 1.888.942.3320.

How will I know if I am approved?

You will receive an email letting you know whether your loan request was approved. To speak with a representative regarding the status of your loan, call 1.888.942.3320.

How soon do I get my money?

If your loan application is approved by 7:30 PM CT/5:30 PM PT, you will receive your funds the next business day. 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 funding by one business day.

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.

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.

When will I receive funds in my bank account?

Loans must be approved by 7:30 PM CT/5:30 PM PT for funds to be available the next business day. Funds are not deposited on the weekends. 

National Bank Holidays delay funding by one business day.

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

Loans approved after 7:30 PM CT/5:30 PM PT will be funded the following Tuesday.

What time will I receive my funds?

Availability of funds differs from bank to bank; however, typically funds are available by 10:00 AM CT/PT.







By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by: the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law; The Texas Office of the Consumer Credit Commissioner pursuant to Chapter 393 of the Texas Finance Code: Credit Services Organizations; and The Office of the Kansas State Banking Commissioner pursuant to The Kansas Uniform Consumer Credit Code.