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At Net Pay Advance, we value our customers and their interests.
We put your personal and financial security first.

This means taking extra steps to ensure that we are implementing the latest in security software and handling all private information with care.

Fraudsters prey on innocent people by impersonating companies like Net Pay Advance to trick consumers out of money and put their identity at risk. We have identified the most common ways they extort victims and provide tips on how to protect yourself and your loved ones.




The website (pictured below) is fraudulent and is not affiliated with Net Pay Advance. If you have questions, please contact Net Pay Advance Customer Service at 1.888.942.3320 or email us at


secure fast cash Debt Collection Scams

What are debt collection scams?

Unidentified organizations falsely represent payday loan lenders such as Net Pay Advance in an effort to obtain payments. They have been known to communicate via phone calls and/or emails. These are illegal companies and are in no way affiliated with Net Pay Advance. We would encourage you to contact authorities if you become a victim of this crime. Find out how to identify these scams below.

Warning signs for debt collection calls:

  • The caller is overly aggressive or rude
  • The caller threatens violence, criminal or legal action
  • The call comes from an overseas telephone number
  • The caller demands immediate payment and creates a sense of urgency to repay
  • The caller refuses to provide you with pertinent information regarding the alleged debt

Warning signs for debt collection emails:

  • The message comes from a personal email account, such as Gmail, AOL, or Outlook
  • The email does NOT include "Net Pay Advance" or "Net Pay Advance Inc."
  • The message contains false case numbers and outstanding amounts
  • The message threatens criminal or legal action
  • The message threatens to email/fax information to your current employer or references
  • The message threatens to confiscate all your salary and/or wages
  • The message demands immediate payment and creates a sense of urgency to repay


secure short-term loan Loan Scams

What are loan scams?

Loan scams are when an individual and/or group of individuals falsely claim to represent Net Pay Advance and ask customers for money up front in order to obtain a loan. Net Pay Advance does NOT require money to be loaded onto a prepaid card in order to obtain a loan. Net Pay Advance does NOT require the prepayment of any amount as a condition of loan consideration. Contact authorities if you are a victim of this crime.

Warning signs of loan scams:

  • The fraudster asks for payment in advance, typically claiming that a "fee" or "taxes" must be prepaid
  • The fraudster requires funds to be loaded onto a prepaid card, requires the purchase of money orders, or requires funds to be sent via MoneyGram or Western Union
  • The fraudster may send you loan documents when you have not applied for a loan or unsolicited emails



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.

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