Hablamos Espanol | 888-942-3320Online Loans for Bad Credit
Bad credit doesn’t have to be a roadblock to borrowing money.
We offers options for fast online loans for bad credit, and applying for a loan won’t impact your credit score. Apply today and find a way forward.
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- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Potential for Same-Day Funding
Can I Get a Loan if I Have Bad Credit?
Even if you’ve had credit problems in the past, your credit history doesn’t have to define your future. You can apply for a loan through Net Pay Advance even if you have:
At Net Pay Advance, we welcome you to apply no matter what your credit score or credit history is. When you apply, we review your application as a whole. Factors like your current income and employment history are considered, not just your credit score.
What Kind of Loan Can I Get with Bad Credit?
In states where we are licensed to lend, Net Pay Advance offers different types of bad credit loans depending on what state you live in.
Payday Loan
Available in California
A payday loan is a short-term loan designed to help you manage expenses between paydays.
Learn MoreInstallment Loan
An installment loan is a loan that you repay in smaller payments over several months instead of all at once.
Learn MoreLine of Credit
Available in multiple states
A line of credit gives you access to a set amount of money that you can use, repay, and use again.
Learn MoreHow Do I Apply for a Bad Credit Loan?
Applying for a bad credit loan through Net Pay Advance is easy.
Step 1: Complete Your Application
Complete a 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: Get a Fast Decision
Your information is reviewed to determine if you qualify for a loan and how much money you can borrow.
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.
What Do I Need to Apply for an Online Loan?
Requirements differ by state and product. Applicants generally need to:
Be at least 18 years old
Live in a state where Net Pay Advance is licensed to offer loans
Have a regular source of income
Have an active checking account
Provide valid identity and contact information
Why choose Net Pay Advance?
When you're comparing online loan options, it's important to choose a lender that's transparent, accessible, and focused on helping you understand your options.
Explore Your Options Without Impacting Your Credit
Applying for a loan through Net Pay Advance is easy and quick. A soft credit check is performed, so checking your eligibility won't impact your credit.
Your Credit Score Is Only Part of the Picture
When reviewing applications, your credit score alone is not the only determining factor. Other factors like your income, employment history, and other application information are considered.
Trusted by More Than 3 Million Customers
For years, millions of customers have turned to Net Pay Advance for options when looking for short-term lending solutions.
Help Is Available When You Need It
Questions about your application, loan, account, or payments? Our customer support team is available to help throughout the borrowing process.
Our Cash Advance Gets Rave Reviews
Over 8,000 customers gave us 5 stars. Read what they said below.
Frequently Asked Questions About Online Loans for Bad Credit
Can I apply for a Net Pay Advance loan with bad credit?
Yes. In states where we are licensed as a lender, we welcome applications from people with a wide range of credit backgrounds, including those with low credit scores, past credit problems, or limited credit history.
The best way to find out whether you qualify is to complete an application. All applications are reviewed according to the eligibility and underwriting requirements that apply in your state.
Will applying for an online loan affect my credit score?
We use a soft credit check during the application process, so you can explore your options without impacting your credit.
Can I apply for a loan if another lender denied me?
Yes. Being denied by another lender doesn't prevent you from applying with Net Pay Advance.
Every lender uses different criteria and review processes to make a lending decision. Even if you've been turned down elsewhere, you can still submit an application with us.
Can I apply for a loan if I have little or no credit history?
Yes. You can apply even if you have little credit history or no credit history at all.
When reviewing applications, more than just credit history is considered, which is why it's worth exploring your options even if you haven't built much credit yet.