Quick & Secure Loans
When You Need Them

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State Licenced Direct Lender


We Provide Online Short-Term Loans

Helping residents of CA, TX and KS make it to their next payday.


Net Pay Advance offers short-term loans in California, Texas, and Kansas.

Learning more about single pay (payday) loans and installment loans.
The differences between a Single Pay Loan and an Installment Loan are:
  • Currently available to residents of California, Texas, and Kansas.
  • Your loan will be due on your next pay day that is 8 or more days away but no more than 31 days away. The due date is calculated based off the day your contract is generated.
  • The amount customers can become eligible to borrow varies by state. See Rates & Terms for more information.
  • No credit check
  • No collateral
  • Eligible for promotional discounts

  • Currently available to residents of Texas only
  • Payments are scheduled over a period of 180 days with each payment including a reduction to your principal balance.
  • Customers can become eligible to borrow up to $1500 once a positive payment history is established.
  • No credit check
  • No collateral
  • Not eligible for VIP Discount Program

When utilizing any lending instrument it is always best to repay the loan in full as soon as possible.


(Currently available to residents of California and Texas)
(Currently available to residents of Texas only)
Eligible Amounts
$100 – $1000
$100 – $1500
Loan Term
7-31 days (before it must be rolled over or bought down
180 days – Paid back over several months
Payment Extension
3 days
5 days
Credit Check
No credit check
No credit check
Return Fee
Varies by state
Can you receive multiple return fees?
Yes, one for every returned ACH
Late Fee
Yes, $7.50 on the 11th day past due
Can you receive multiple late fees?
Yes, one for every statement that is more than 10 days late
Does the minimum payment decrease my principal balance (TX)?
How often will a payment be due?
Every payday
Every payday
Do we accept partial payments?
CA: No, loan must be paid in full on it's due date.
TX: No, you must pay at least the finance fee on the loan's due date.



How do I know which loan is right for me?
Answering three simple questions can help determine which product is the best choice for yourself.
  • Why do I need a cash advance? Small, unexpected expenses are more common than you think. For those curveballs, a single pay loan can help get you to your next paycheck and are a great option for a one-time expense. Large expenses or higher loan amounts are more difficult to repay quickly and could benefit from the ease of smaller payments that are broken down over several months, if this sounds like a better alternative for you; an installment loan is best.
  • How much money do I need? If you are looking for smaller loan amounts that are easier to pay back, then a single pay loan might be for you. Larger loan amounts can be more difficult to repay quickly, and an installment loan can help by giving you more time to pay back the loan. Since there are no penalties for paying off your loan early, you can save money on interest by paying the loan off before it’s due!
  • When can I repay my loan? For those that just need a little help to get to their next paycheck, a single pay loan is a great option for you. Re-pay the total balance of your loan when you get paid and you’re done. Those that need a little more money or would prefer to make smaller payments over a longer period of time, installments loans might be the better option.





By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by: the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law; The Texas Office of the Consumer Credit Commissioner pursuant to Chapter 393 of the Texas Finance Code: Credit Services Organizations; and The Office of the Kansas State Banking Commissioner pursuant to The Kansas Uniform Consumer Credit Code.