We Provide Online Short-Term Loans

Helping residents of CA, TX, and KS make it to their next payday.

Online Payday Loans

Quick & Secure Loans
When You Need Them

Simple Secure Trusted
State Licenced Direct Lender

Transparency is crucial 
at Net Pay Advance.

See how we operate:




Types of Loans

We get it, life happens. That's why Net Pay Advance is here. We specialize in short-term payday lending that allows you to get the cash you need, fast. Apply online 24/7 to receive funds the next business day.


Cost (rates vary by state)

California Rate: 

per $100 borrowed

Texas Rate: 
per $100 borrowed




Your loan due date is calculated by the day your loan is taken out, not your application date. Customers are required to pay back their loan amount plus fees on their next payday. For more information, see Rates & Terms.




We look at many parts of your application in our decision process. The approval process happens quickly so before applying, take a look at some of the information that we require:

  • Home Address
  • Resident of California or Texas
  • SSN
  • Pay Dates
  • Income Verification
  • Active Checking Account
  • Debit Card (not required, but adding your debit card allows you to re-loan the same day you pay off)