Texas Online Payday Loans

No credit? No problem. Personal loans up to $1200.

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No credit needed to qualify for a payday loan in Texas

No credit? Bad credit? Poor credit? No problem. Net Pay Advance understands that our customers are looking for quick and secure cash without the stress of a hard credit check. However, this benefit means that the way we operate has to be a little bit different. Most notably, fees for our products are a little higher than products that cater to those with high credit scores.

It’s important to us to keep the loan process simple and secure. We want to be upfront with our costs. For every $100 borrowed, we charge a one time fee of $28. This fee will not change as long as repayment is made on time. If repayment is not made, then a returned item fee may be applied. 

Compare our fee to other common bank fees. For example, the average overdraft fee is about $35 per instance. Your bank might not notify you until after you’ve racked up several of these fees. Fortunately, with Net Pay Advance, you can avoid the headache of overdrafting your account. You can easily apply for an online payday loan from the comfort of your couch and get the money you need. Best of all, we accept all credit scores.

Another great reason to use payday loan advance funds is to avoid NSF fees from bounced checks. The average overdraft fee for EVERY bounced transaction is, on average, $30 you could end up paying more in overdraft fees than you would on the expense of the loan so choosing an online payday loan could save you money while you’re in between paychecks since a payday loan fee is only assessed once at the time of payment.

So if we’re not using a credit score to qualify applicants for a loan, what do lenders use to approve payday loans in Texas? The long and short answer is that all lenders have varying methods of what constitutes an approval for their business; however, there are some general guidelines that are consistent across all lenders which can be found on the list below.

  • Applicants must have a bank account in their name that has been opened and active for at least 30 days

  • Applicants must be at least 18 years old

  • Applicant’s address must be in a location where we are licensed to operate

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Check off all of these requirements? Apply now for a quick and secure payday loan!

Why choosing a Texas-licensed direct lender is important

Choosing a state-licensed direct lender for your online payday loan in Texas is the right choice. Why? Two words: personal security. What does this mean for you, the borrower? Well, firstly that you’re working with one company. State-licensed direct lenders like Net Pay Advance service the loan from application to repayment. That means the information provided on your application stays in one place. The purest definition of direct lending is a “transfer of funds from the ultimate lender to the ultimate borrower.” To put this into context with an example; someone completes and submits the payday loan application at www.netpayadvance.com, they are approved and funded by Net Pay Advance within one business day, and then when their loan is due they submit payment by logging into their account.

See the connection? Every piece of the loan process is serviced by Net Pay Advance. Customers who are looking for assistance call 888-942-3320 and speak with a live Net Pay Advance representative. We have your back throughout the entire process.

How to Identify Direct Lenders in Texas

Other ways to identify state-licensed direct lenders in Texas is to look for clues on their website. State-licensed lenders like to show off their status by putting that information front and center on their website. Also, another great way to identify these lenders is if their website provides a phone number to speak with a customer service representative. Even if they provide a phone number, you can always call and ask for more information about their licenses.

Using a state-licensed direct lender in Texas for your online payday loan is the best choice for the smart consumer.

Ready to receive funds through a state-licensed direct lender in Texas? Apply now for a fast and secure cash advance online.

Disadvantages of Indirect Lending

Applying with an indirect lender means that your application information is sent to a group of lenders who have an opportunity to earn your business. This sounds great, but for the person applying it means that they are going to start receiving a lot, and we mean a lot, of communications from varying lenders offering their services. While this might sound like you have the opportunity to receive more money, this doesn’t mean approval and also runs the risk of your information getting into the hands of a fraudulent company.

Direct lenders are important because they are held to higher compliance standards at both the state and federal levels. Meaning that non-state-licensed direct lenders in Texas are not forced to comply with the same level of integrity that direct lenders, like Net Pay Advance, do.

Is an online installment loan option right for you?

Looking to repay your loan over a longer period of time? Net Pay Advance launched an installment loan product in December 2018. New or return customer, as long as you’re a resident of Texas, you’re eligible for this new product! How do installment loans differ from the traditional single pay loan that you’re used to from Net Pay Advance? Keep reading!

While both single pay loans and installment loans are technically small dollar, personal loans, they both have characteristics that make them uniquely different. Understanding these differences and the financial situation that you are in will shed light on which product is the best choice for you. Net Pay Advance has been providing single pay loans in Texas since 2007, if you’ve received a simple, secure and trusted loan from us you know that the application process is short, your approved funds are in your account the next business day and then your due date is anywhere between 8 and 31 days after approval, depending on the pay days collected in your application. This is a great option for those that are struggling to make it to their next paycheck. Take out this loan and repay quickly once you’ve gotten your paycheck, we are here to help when you’re in a bind. If you’re unable to repay the loan in full, you can rollover your loan by making a small payment towards the loan fee and push the remaining principle to a new due date.

Benefits of Choosing an Installment Loan

True to its name, the installment product offers you the ability to pay back your loan in smaller payments over a period of six months. Payment due dates are scheduled based on your payment cycle, meaning you don’t have to worry about a payment coming up before you’ve gotten your paycheck. This is a great option if you know you have a large expense coming up that you’re unable to cover on your own and will need several months to repay. Smaller payments make this loan easier to manage and solid payment history could result in you becoming eligible for higher loan amounts. We make the process simple, secure and trusted! Not only do you have the ability to repay over a longer period of time, applicants could also be eligible for higher loan amounts.

No matter the personal loan product that you choose, be a responsible borrower by making on time payments and paying off your loan as quickly as possible to avoid further fees.

As always, Net Pay Advance customers are able to manage their loan from start to finish by logging into their account at www.netpayadvance.com 24/7. There you can review past loan payments, update personal information, and view all loan documents. Have questions? Our five-star team of live representatives can answer any and all questions at 888-942-3320.

Struggling to make it to payday and need cash now? Apply now for a single pay or installment loan in Texas!

Texas rates and terms

The loan agreement is governed by the applicable laws of the state of Texas.

An advance of money obtained through a short-term loan or auto title loan is not intended to meet long-term financial needs. A short-term loan or auto title loan should only be used to meet immediate short-term cash needs. A short-term loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

This business is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, 1.800.538.1579.
[email protected]


Credit Services Organization

Net Pay Advance, Inc will not be the lender for loans received at this site. Net Pay Advance, Inc. is a Credit Access Business, in the state of Texas. Will will attempt to arrange a loan between you and a third party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by Net Pay Advance, Inc. and not the lender.


Texas OCCC Consumer Disclosure: 


Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and bank account information
  • Account balances and income payment history
  • Payment history and credit history
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons IVY chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information Does IVY share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share
For our affiliates everyday business purposes – information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
To limit our sharing
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call (888) 942-3320
Who we are
Who is providing this notice? Net Pay Advance, Inc. is providing this notice, and it applies to all loans and lines of credit made by Net Pay Advance, Inc. and all products and services offered in connection with such loans and lines of credit.
What We Do
How does IVY protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does IVY collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Provide account information
  • Give us your contact information
We also collect your personal information from other companies.
Why can”t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account
Affiliates Financial and nonfinancial companies related by common ownership or control.
  • Our affiliates include companies with a common corporate identity of NPA, Inc.
Nonaffiliates Financial and nonfinancial companies not related by common ownership or control.
  • Our affiliates include companies with a common corporate identity of NPA, Inc.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

Using a payday loan effectively in Texas

Getting a payday loan quickly and simply is one thing, but utilizing your payday loan effectively is another. It’s no secret that short-term financing can be an expensive option and funds obtained through direct payday lenders should be treated a little differently than other funds to make the most out of a traditionally more expensive loan. Secondly, the amount that each lender will approve an applicant for varies from lender to lender. While there is no limit to the number of open loans you can have from separate lenders, it’s best to only apply for the total of funds that is absolutely necessary.

Funds obtained through a short-term online payday lender should be used for emergencies only. Rent/mortgage payments, car payments, car repairs and/or necessary maintenance, food/groceries are all great examples of a responsible way to use this money.

Paying back this loan as soon as you can is important in keeping the expenses down. Avoid potential late fees by making on-time payments or working with the company to keep your account in good standing to avoid collection activity. Two ways that Net Pay Advance helps their customers that are unable to make a payment on their due date is offering free, 3-day extensions which can be done by the user by logging into their account. In some circumstances, we can offer Extended Payment Plans before an account goes into Collections. Another option in Texas is to “roll” your loan by paying down fees and rolling the principal payment to your next pay date. Finally, if your account is past-due and does go to Collections, we offer free Promise-to-Pay (PTP) plans that allow you to pay back the balance over a series of payments in smaller amounts. Setting up a PTP means that Collection activity stops as long as payment plans are kept and can be set up by the user online by logging into their account at netpayadvance.com.

Loyalty to one lender can have benefits. For instance, Net Pay Advance offers discounts on loan fees for customers that have a solid re-payment history. This means that the user can save money by using one lender rather than jumping from lender to lender. As is common with most businesses, loyalty has unseen rewards, too. Understanding their process, trusting their security, and avoiding the unknowns of working with a new business. Security and world-class customer service are two pillars that we have built our business upon and it’s important for all our customers to know Net Pay Advance is here for them in their time of need.

Experience the VIP difference with Net Pay Advance! Apply now for fast funds.

Are you a resident of Houston or Dallas/Fort Worth? Click the link to find even more details about online short-term lending in your area.

Frequently Asked Questions

Quick loans online are available at Net Pay Advance for Texas residents. We offer single pay loans, cash advances and installment loans. Apply online or through our mobile app. Application is quick and easy, taking less than 5 minutes to complete! All customers are eligible for instant funding with a valid debit card.
The best payday loans in Texas are available right here through Net Pay Advance! Apply for a payday loan, cash advance or installment loan in minutes through our quick and secure online application. We have been a state-licensed direct lender for over a decade and have over 7000 5-star customer reviews. Instant funding is offered to both new and return customers with an eligible debit card.
“No credit check payday loans” don’t really exist. At some point, a soft credit check will be performed. However, with a soft credit check, that often means that your credit score is not part of the decision. Net Pay Advance offers online loans regardless of your credit! That’s right! No credit? Bad credit? Poor credit? No problem! We use other information to determine approval for Net Pay Advance applicants. Complete our quick loan application today online or with our mobile app. All applicants must be over 18 years of age, have an active checking account, a resident of one of our licensed states and cannot be a member of the military.
Apply for a payday loan online through our mobile app or online. Our payday loan application is quick, easy and secure. We offer instant decisions and approved funds are deposited directly to your account in minutes through instant funding (requires eligible debit card).
Online loans are available through a multitiude of online providers, but for those tthat are looking for quick and secure cash advance loans, you’re in the right place. Net Pay Advance offers payday loans up to $500 and installment loans up to $1200. Quick application, instant funding options, and service that can’t be beat!
Net Pay Advance is an online payday lender so even though we may not have a physical location near you, our services are always nearby through our secure online application and cash advance mobile app. Apply, today!
Net Pay Advance is a state-licensed direct lender in Texas offering payday loans of up to $500 and installment loans up to $1200. We are available 24/7 through our online website or mobile app! Questions about us? Speak with a live customer support agent today by calling 888-942-3320!

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