State-Licensed Direct Lender in CA & TX

Apply today for quick and secure funds. No credit check!

online short-term cash loan

Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

We'll deliver your money the next business day, deposited directly into your bank account.

Need fast and secure cash due to unexpected expenses?
We are here for you.

How it Works

Payday loan fast funding
  • Fast online application
  • Instant Payday Loan decision
  • Payday Loan Fast Funding

Have a question?

Our Customer Service representatives can provide you with any information you need or answer any questions you have.

Give us a call at 
click here to email.

See more information including rates & terms for California short-term loans and Texas short-term loans here.

No Credit Payday Loan


We'll Always Be Here for our

Texas & California Customers

Secure funding, state-licensed direct lender,
incentive programs other companies don’t provide.

Net Pay Advance is your number one
choice for an online short-term loan.


Net Pay Advance is the highest ranked short-term lender on TrustPilot.

Apply Now To Get Cash Fast

Loans approved before 5:30 PM PT today will be deposited on Wednesday, January 29, 2020.

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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 Business Oversight pursuant to the California Deferred Deposit Transaction Law.