Hablamos Espanol | 888-942-3320Online Loans Made Convenient
Online loans through Net Pay Advance make it easy to handle unexpected expenses whenever they happen. Our quick and convenient application helps you access the money you need and move ahead with confidence.
- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Same-Day Funding
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- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Potential for Same-Day Funding
What Do I Need to Apply?
To be considered for a cash advance, you must:
Live in a state where we’re licensed to lend
Be at least 18 years old with valid ID
Have an active checking account in your name
Our online loan options
We offer 3 different fast and simple online loans depending on your location.
Payday Loan
Available in California
A short-term payday loan helps you cover urgent expenses until your next paycheck.
Learn MoreInstallment Loan
An installment loan lets you borrow funds and repay over time with fixed payments.
Learn MoreLine of Credit
Available in multiple states
Receive funds up to your approved limit and only pay for what you use.
Learn MoreProduct availability limited by state. Approvals are subject to eligibility requirements and state regulations.
Online Loans for Whatever Comes Your Way
Need access to money for an unexpected expense? Our online loan options are designed to provide a simple, convenient way to apply for funds from wherever you are. Whether you're facing a temporary cash shortfall or an unplanned bill, we're here to help you find a solution that fits your needs.
Cover everyday essentials like rent, utility bills, and groceries.
Handle emergencies like car repairs and surprise medical bills.
Access funds quickly so you can stay focused on what matters most.
How to Get an Online Loan
Step 1: Complete Your Application
Complete our secure online loan application from your computer, tablet, or smartphone. The process only takes a few minutes and can be completed wherever it's convenient for you.
Step 2: Receive a Fast Decision
Once you submit your information, we evaluate your application and provide a decision as quickly as possible. No hard credit inquiry is required during the application process.
Step 3: Receive Your Funds
If approved, your loan funds may be sent directly to your bank account or eligible debit card. Many approved customers receive their money as soon as the same day, depending on eligibility, verification requirements, and funding method
Why choose Net Pay Advance
When unexpected expenses can't wait, we make it simple to get the funds you need.
Licensed Lender
As a licensed lender, we follow lending regulations that help promote transparency, responsible borrowing, and consumer protection.
More Than 3 Million Customers Served
For years, we've helped millions of customers explore short-term lending solutions when they needed access to funds for unexpected expenses.
Apply Online from Your Home
Our secure digital interface allows you to apply, review your account, and manage your loan – all completely online.
Returning Customer Benefits
Existing customers may qualify for a streamlined reapplication experience, making it easier to request funds when future borrowing needs arise.
Customer Support You Can Count On
Questions about your application, account, or repayment options? Our knowledgeable customer support team is available to assist you throughout the borrowing process.
Hear How Our Customers Found a Path Ahead
Over 8,000 customers gave us 5 stars. Read what they said below.
Rates, Terms, and Licenses
For a complete list of our rates and terms -- including Annual Percentage Rate and length of loan -- visit our rates and terms page. You can also find information on states where we are licensed to serve.
Frequently Asked Questions
Can I Get an Online Loan with No Credit Check?
Yes. Net Pay Advance doesn't require a hard credit check to apply for an online loan. We look at more than just your credit score, so you can apply with confidence no matter your credit history. Fill out our secure application to see what you may qualify for.
How Much Money Can I Get with an Instant Cash Advance?
Loan amounts vary based on eligibility, income, state regulations, and other underwriting factors. Net Pay Advance offers access to different online loan options, and approved customers may qualify for amounts that fit their financial situation.
How Fast Can I Receive an Online Loan?
After submitting your online application, most customers get a decision within minutes. Eligible customers approved for instant funding may see funds the same day on a supported debit card. If not, funds typically arrive by the next business day through ACH deposit. Application details, bank processing times, and cutoff hours can all affect exact timing.
Do I need to fax or upload paystubs to apply?
Nope, no paperwork or faxing required. Our secure online application verifies your details automatically, so the entire process is 100% paperless, whether you're on your phone or at your desktop.