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How does a payday loan work?

Online payday loans provide quick cash

Net Pay Advance is a leader in online payday loans in California, Kansas, and Texas. For fast cash, an online payday loan or installment loan* from Net Pay Advance can help.



We're always here for our TexasCalifornia, and Kansas customers.

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We're always here for our Texas, California, and Kansas customers.


We offer two types of no credit check loans — single-pay payday advance loans and installment loans*. Each is built to fit your needs. Learn more about our loan options.

Interested in an installment loan? Learn more information about our online installment loans.

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What is a payday loan?

A single-pay payday loan is a short-term personal 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.

What are payday loans used for?

What's the difference between a payday loan and an installment loan?

How does a payday loan work?

With a single-pay payday loan online 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 eight 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, and some may have their decision provided the same day. Net Pay Advance deposits your cash into your account as early as the next day. Then you repay the loan in a single transaction following your next payday.



How fast is the approval process for a payday loan?

How quickly are the funds deposited?

How does repayment of a payday loan work?

How much does a payday loan cost?

Rates differ by state. Fees totals are applied to every $100 of the principal, or borrowed, amount. Plus, the fee is consistent throughout the loan process, assuming your repay on-time. 

Visit us here where we list our rates and terms to learn how much a payday loan costs. 

Payday loans are commonly evaluated by their annual percentage rate, or APR. It’s the total cost of the loan expressed as a yearly rate. 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.

Am I eligible for a payday loan?

Payday loans are available to applicants with no credit check required. Instead, Net Pay Advance requires that applicants meet a set criteria.

Please note that the criteria above is required to apply and does not automatically qualify or guarantee approval of a loan.

Applications process quickly online through Net Pay Advance. Approved applicants may see their cash deposited the next day. 

Unlike others, payday loans from Net Pay Advance do not require (nor accept) collateral.

Do payday loans require a credit check?

Do payday loans affect my credit score?

How can I get a payday loan online?

Net Pay Advance makes getting a payday loan online quick and simple. To get started, visit Net Pay Advance and follow the application instructions. Our application process takes a few minutes, and you may have a decision as quickly as the same day.

Can I apply from my phone?

When will my loan be approved?

How soon will I have my cash?

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 $1,000 may be accessible in your area. No late fees apply to single-pay payday loans from Net Pay Advance.

What if I can't pay back my payday loan?

Is a payday loan right for me?

Single-pay payday loans are flexible and are easy to obtain. Net Pay Advance 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 necessary credit checks, like you’d see with a personal loan or credit card. Payday loans allow you to keep cash on-hand for other purposes, instead of tying up all your money at once. Our customers like payday loans to help split up payments for a purchase. Other times, they might be used for an unexpected expense, like a medical bill or car repair. 

Net Pay Advance is looking out for you. Our focus is to help you cover necessary expenses before payday, all the while keeping you out of debt. Most people only need $250 to make ends meet. Why make them wait for it?

About Net Pay Advance

Net Pay Advance is an online personal loan provider, founded by Brian J. Staver in 2007. Our organization is designed to utilize secure technology to help others financially. Today, we stick to the same three missions we had from the start.

  • Simple procedures
  • Secure operations
  • Trusted staff

At Net Pay Advance, our No. 1 priority is helping you, the customer, get access to the cash you need, quickly. People borrow from us to cover their expenses before their next paycheck comes. Then they pay us back when they’re next paid. Net Pay Advance provides cash assistance with no credit check required.

Thousands join our community every day and break free from financial stress.

When you lend with Net Pay Advance, you get the secure, trusted reliability of an organization recommended by 6,000-plus and counting. See why Net Pay Advance is the highest-rated online short-term lender on Trustpilot. Plus, we’re accredited by the Better Business Bureau, where we have an A rating.

Disclaimer: Installment loans are only available to residents of Texas. Net Pay Advance is a licensed credit access business. Installment loans are provided by a third-party lender.




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.