Houston Payday Loans

Short term personal loans up to $1200.

See if you qualify for an online payday loan in Houston, TX ⁠— We have no credit check

Here at Net Pay Advance we do not even ask to see your credit. It makes no difference to us whether you have good credit, bad credit, or no credit. We are just here to provide financial relief to those who need money. If you are looking for quick and secure cash, look no further. We provide up to $1200 in payday advance loans to Houston, Texas citizens.

Since our online payday loans require no credit check, we operate a little differently. We charge a one-time fee of $28 per $100 borrowed. The only additional fee that may be charged is a returned item fee if a payment is not made. $28 may seem a little higher than products that are only offered to those with good credit. However, our fee is still much less than the fees that a bank would charge for an overdrafted account. A person could easily face $100 in overdraft fees well before they realize what has happened.

So, if we do not check credit, then how do we determine if an application is approved for an online payday advance loan? Ultimately, every lender has their own approval process and methods for reviewing applications. At Net Pay Advance, our requirements include the following:

Check off all of these requirements? Apply now for quick and secure funds!

Why choosing a Texas-licensed direct lender is important when applying in Houston, TX

If personal security is important to you, then you will want to choose a state-licensed direct lender like Net Pay Advance. The definition of direct lending is simply a, “transfer of funds from the ultimate lender to the ultimate borrower”. Since we service the loan through the whole process, your personal information stays in just one place. If you were to apply with an indirect lender instead, your application information would be sent out to a group of lenders who all have an opportunity to earn your business. At first, this might sound like the chance to receive more money, but just because they offer something different does not mean that you will be approved for it. Since indirect lenders work by sending out your personal information to many different companies, there is a huge risk for your private information to land in the hands of a fraudulent company. At Net Pay Advance, we take your personal and financial security seriously. We take extra steps to ensure that we implement the latest in security software and handle all private information with care.

In addition to personal security, having a state-licensed direct lender also makes the entire loan process easier. When you work with us, you only work with one company through the whole process: Net Pay Advance. You apply on our website, we determine if you are approved, we fund you within one business day, and then, when your loan is due, you will submit payment directly to us. Our team knows our system and we are here to help you along the way.

If at any point you find that you need assistance or have a question regarding quick payday loans, you can give us a call at 888-942-3320 to speak with a live Net Pay Advance representative. Our team speaks both English and Spanish and is always happy to help answer any questions you may have.

Direct lenders must meet higher standards set at both the state and federal levels. Non state-licensed direct lenders are not forced to comply with the same level of integrity. State-licensed direct lenders in Texas, like Net Pay Advance, will show off their status by including that information on their website. Also, if you ever want to do a secondary check, you should be able to call the phone number listed on a company’s website 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 fast funds.

Online installment loan option for Houston, TX residents

Looking for an installment loan, or a loan that you can pay over a longer period of time? We have good news for you! Net Pay Advance recently launched an installment loan product for Texas residents. New or return Texas customers are eligible.

This new installment product allows you to pay back your loan in smaller payments over a six-month period. Your payment due dates will be determined based on your current payday cycle, meaning you will not have to worry about a payment being due before you have gotten your next paycheck. We make the loan process simple, secure, and trusted. Along with allowing you to pay the loan back over an extended period of time, these installment loans also come with the chance to apply for a higher loan amount.

Regardless of your loan type, you will still be able to manage your Net Pay Advance loan from start to finish. Simply log into your Net Pay Advance account. You can access your Net Pay Advance account any time of the day. There, you can see your current loan amount, review your previous loan payments, update your personal information, and view all of your loan documents. Of course, please let us know if you have any questions throughout the loan process. Our five-star team of live representatives can answer any and all questions 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.


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 loan in Houston, Texas

It is no secret that online short-term loans can be an expensive option for obtaining necessary funds. That is why funds obtained through payday advance lenders should be treated a little differently than traditional money. Getting a payday loan quickly and simply is one thing, but it is essential to utilize your payday loan effectively. Even though the amount that each lender will approve an applicant for varies from lender to lender, there is still no limit to the number of quick payday loans a person can have with several lenders. It is in a person’s best interest to only apply for the funds that are absolutely necessary to cover an emergency expense.

We know sometimes life happens and you find yourself in a situation where you need to pay an emergency expense before you receive your next paycheck. Payday advance loans can help with expenses like rent/mortgage payments, car payments, car repairs and/or necessary maintenance, and food/groceries. Advance loans can also help a person save money by avoiding expensive fees from things like late fees, NSF fees from bounced checks, or even bank overdraft fees.

A key way to keep your expenses down is by paying back your payday loan as soon as possible. You can avoid potential late fees by paying your bill on-time. We try to help our customers in a few ways if they run into trouble. Customers can extend their due date up to three days for free, which can be done by logging into their account and changing the due date. In some circumstances, we can even offer Extended Payment Plans before an account goes into Collections. We also allow Houston, Texas residents to “roll” their loan by paying down fees and rolling the principal payment to their next payday. Finally, if your account is past-due and does go to Collections, we can still offer a free Promise-to-Pay (PTP) plan that allows the customer the ability to pay back the balance over a series of smaller payments. Setting up a PTP is easy. Customers can set it up by logging into their account. So long as they make the PTP payments on-time, the Collection activity will stop.

If you are looking for more ways to keep expenses down, you will find that having loyalty to one personal loan lender has its benefits. Net Pay Advance customers with solid re-payment history have access to discounts on future payday loan fees. There are other benefits to loyalty besides discounts. When you jump from one online payday loan company to another, you are faced with the unknowns of working with a new business. Applying to numerous online short-term loans increases your risk of having your personal information fall into the hands of a fraudulent company. When you work with just one company, like Net Pay Advance, you start to understand their payday advance process and begin to feel more confident about the safety of your personal information. Security and world-class customer service make the foundation of our business. Our customers know that we are here for them when they need money.

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

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

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