Funding Time

Same Day Loans Online: How Fast Do You Get Your Money?

Learn how fast a loan lender can get money into your account when you’re in need of a quick loan and the factors that determine how fast you can get your money.

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Disclaimer: Eligible loan amounts vary per state regulation.

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At Net Pay Advance, we offer same day loans online. Approved applicants who have a valid debit card on file qualify for same day deposits. If you don’t have a valid debit card on file, you may also receive a fast payday loan with next day ACH funding. A few factors affect the timing of your ACH direct deposit. Here’s an overview of what all determines how fast you’ll get your money. You could have your payday loan instantly!

You could have your payday loan instantly!

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When you need money quick

At Net Pay Advance, our goal is to get money to you with lightning speed. To do so, we eliminate barriers that delay your funds. We also use technology to make our service even more efficient. With our process, you can gain peace of mind knowing you’ll get funds fast.

What do I need to apply?

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A bank account in your name & open for over 30+ days

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You must be at least 18 years of age or older

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An address in location where we’re licensed to operate

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At Net Pay Advance, our entire loan process is quick. First, our application is designed to be completed in a flash. After submitting your application, you will receive an immediate decision. No need to wait. We use state-of-the-art technology to give you an instant same day decision with no hard credit check.

(Pro tip: Return customers get unique benefits, including access to a shorter application. That means you can get your money even faster!)

Apply now and get an INSTANT decision!

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Get Paid Quickly

Once approved, our payday loans are one of the quickest ways to get cash fast. We have two options: same day payday loans and next day payday loans. With our same day loans, you get money instantly. The next day loans are fast. In that case, you usually get money the next business day in the morning. Here’s what affects how fast you get your funds.

Instant same day loans

One factor determines if you get your payday loan the same day: If you have a valid debit card on file. With a valid debit card, you qualify for instant funding. Instant funding is available 24 hours a day, 7 days a week, every day of the year. It is not affected by holidays or weekends.

Fast next day loans

If you do not have a debit card on file, you still get your loan fast. In this case, you will qualify for next day payments with ACH funding. An ACH payment is a direct deposit into a checking account. ACH deposits can be affected by business hours, weekends, and bank holidays.

Factors that may affect ACH deposits

  • Applications approved Monday – Thursday before 5:30 PM PST receive funds the next business day.
  • Applications approved Monday – Thursday after 5:30 PM PST receive funds in two business days.
  • ACH deposits are not available weekends.
    Applications received during the weekend (after 5:30 PM PST Friday) receive funds Tuesday.
  • National bank holidays can delay deposits by one business day.
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You must give consent to run a hard credit check

Can affect your credit score

Visible to others on your credit report for two years

Commonly used for mortgage applications, auto loans & other traditional financing options

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Does not impact your credit score

Ran by a creditor for regular account maintenance or pre-screen

Inquiry only visible to you & falls off within 30 days

Commonly used by short-term lenders, insurance providers, employers, etc.

Can you get a payday loan with bad credit?

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trustpilot review that says very friendly and quick! wrote by ryan
Trustpilot review that says very fast and easy to use. Thanks a bunch! by cu
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Customers approve of our fast funding times

You can read reviews from real customers. Our ratings show that customers are happy with how fast we fund your loan. Take a look at a few here.

Customer Reviews

Learn more about online personal lending in your state.

Tips for getting the fastest payday loan possible

To get a payday loan online the same day, keep a valid debit card on file. This is the fastest way to get your same day online loan. With a valid debit card, we deposit your money instantly. Funding to a valid debit card is available 24 hours a day, 7 days a week, 365 days a year.

If you do not have a valid debit card, a good rule of thumb would be to apply as soon as possible. Submit your application before 5:30 PM PST Monday–Thursday to receive money the next day. If you submit your application after 5:30 PM PST Friday, expect to receive funds Tuesday. Additionally, be mindful of national bank holidays. If possible, submit applications with holidays in mind to avoid unexpected delays.

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Learn more about the types of loans we offer

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We are here to help

Times are hard. Everybody needs help sometimes. With Net Pay Advance, you’ll get a fast payday loan online. You can get your money instantly the same day with a valid debit card on file. If you do not have a debit card on file, you qualify for next day ACH funding.

A payday loan can be an opportunity to cover an unexpected or emergency expense. But you can also use it to improve your financial skills. We know that our customers just need a little help sometimes. We believe in you. That’s why Net Pay Advance not only provides fast loans—we also provide educational resources and excellent customer service.

If you’re looking for tips about repaying your loan, earning more cash, etc., check out our blog. You can also contact us with any questions. When it comes to understanding your loan, we’ve got your back!

Explore Net Pay Advance’s Resources

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Frequently Asked Questions

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