Dallas Payday Loans

Personal loans up to $1200.

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Payday advance in Dallas/Fort Worth, TX – No credit needed

Those of us living from paycheck-to-paycheck know all too well that sometimes unexpected expenses arise, and we find ourselves a few dollars short until the next payday. If you need money and have a low credit rating, finding the necessary financial support may be difficult at times. There is no hard credit check for our quick payday loans. We have your back, even if you have no credit or bad credit. We provide up to $1200 in personal loans for Dallas/Fort Worth, Texas citizens.

We strive to keep our process simple and secure, so we will be upfront with our costs. We charge $28 per $100 borrowed as our fee. This fee is one-time per loan and will not change unless a payment is not made, then a returned item fee may be applied. Fees for our products may be a little higher than products that cater to those with high credit scores. However, if you have ever accidently overdrafted your bank account, you have likely had to pay a fee of $35 per instance. At that rate, a person could easily accrue a $100 charge in overdraft fees before they even realize what has happened! You do not have to fight with the bank. You can easily apply for a Net Pay Advance personal loan right from your couch.

We make the application process easy. Every lender has their own approval methods. Since there is no hard credit check for our online payday loans, we have our own list of items we look at when considering an application. We look for these three requirements when deciding:

  • 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 (we are licensed for operation in Dallas/Fort Worth)

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If you meet all of these requirements, you should apply now for quick and secure funds!

Why choosing a Texas-licensed direct lender is important when applying in Dallas/Fort Worth, TX

Looking for short term loans online? Look no further! We are a state-licensed direct lender. The definition of direct lending is to transfer, “funds from the ultimate lender to the ultimate borrower”. This means that if you choose to get a loan with Net Pay Advance, you will only work with Net Pay Advance. You will submit an application with us, we will review it, we will deposit your approved funds directly to your bank account, and you will submit payment directly to us when your loan is due. There are a few reasons why this is good for you: personal security, a simple process, and helpful representatives.

Your personal safety is important to us. Since your loan is processed through Net Pay Advance, a direct lender, your information stays in one place. We currently implement the latest in security software and we take extra steps to handle all private information with care. If you were to apply with an indirect lender instead, they would send out your information to many other companies. These companies would then in turn send you a lot of communication regarding their personal loan options, but you might not be approved for any of them. Since your personal information being sent out, it increases your risks of becoming a victim of fraud and identity theft.

Since the entire loan process is completed with us, you will be able to access your account at any time to see your loan information. In addition, our five-star team of live representatives are familiar with our process and can answer any and all questions at 888-942-3320. Our team speaks both English and Spanish.

Choosing a state-licensed direct lender, like Net Pay Advance, is so important when applying for a loan. These lenders must meet higher standards and expectations at both the state and federal levels. Non state-licensed lenders are not expected to comply with the same level of integrity. There are two ways to check if a loan provider is actually a state-licensed direct lender: (1) they will have it proudly listed on their website and (2) if you call their customer service phone number, they should be able to provide more information about the 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 fast funds.

Online installment loan option for Dallas/Forth Worth, TX residents

We have good news for Dallas/Fort Worth, Texas residents! Looking for an installment loan provider? As of December 2018, Net Pay Advance launched a new installment loan program. Whether you are a new or returning customer, you could be eligible for this new product!

With an installment loan, applicants may be eligible for a higher loan amount and you can pay back the loan in smaller payments over a longer period of time. The payment dates for our installment loans are based on your current paycheck schedule. You will not have to worry about a payment being due before your next payday.

We make our process simple and secure. Net Pay Advance customers are able to manage and access their account 24 hours a day. You can simply login to see your current loan, review previous payments, view loan documents, update your information, and more. Of course, if you have questions, our team of live representatives are here to help. Call us at 888-942-3320.

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.

How to effectively use your payday advance in Dallas/Fort Worth, TX

Getting a payday loan quickly and simply is one thing, but actually utilizing it effectively is important. Even though the amount an applicant will be approved for varies from lender to lender, there is still no limit to the number of open loans a person can have with separate lenders. Only apply for the funds that are absolutely necessary to cover an emergency expense. It is no secret that online short-term loans can be an expensive option for obtaining necessary funds. That is why funds obtained through direct payday lenders should be treated a little differently than traditional cash.

An advance loan can help with expenses like rent/mortgage payments, car payments, car repairs and/or necessary maintenance, and food/groceries. They can also help a person avoid expensive fees from things like late fees, NSF fees from bounced checks, or even bank overdraft fees. Depending on what it is being used for, quick payday advance loans can help people save money in the long run.

Paying back advance loans as soon as possible is the easiest way to help keep down your expenses. Paying your bill on-time can help you avoid potential late fees. If customers do run into trouble paying back their balance on time, we have a few items in place to try to help them. All customers can extend their due date for up to three days for free. The process is easy, and they can simply change the due date by logging into their Net Pay Advance account. In some circumstances, we can even offer Extended Payment Plans before an account goes into Collections. Dallas/Fort Worth, Texas residents can “roll” their loan by paying down fees and rolling the principal payment to their next payday. Finally, if an account does go past-due and is moved to Collections, we can still offer a free Promise-to-Pay (PTP) plan that allows the customer the ability to pay back the balance in smaller payments over a longer period of time. Customers can log into their account and set up a PTP, and so long as they make the new payments on-time, the Collection activity will stop.

Loyalty has its benefits. Net Pay Advance customers with solid re-payment history have access to discounts on future loan fees. In addition, repeat Net Pay Advance customers feel more comfortable that they have a better understanding of the process and they know they can trust the security of the company. Jumping from business to business and applying to strange payday loans online can improve the chances of having your personal information fall into the hands of a fraudulent company. Net Pay Advance was built on the pillars of security and world-class customer service. Our customers know that we are 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? Click the link to find even more details about online short-term lending in your area.

Do you live in Texas?

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