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Explore Payday Loans Online
Get to know the trusted payday advance options we offer
Single-Pay Payday Loan
A single-pay payday loan is a small paycheck advance that is paid back in one sum on your next payday.
Installment Loan Online
An installment loan allows you to make small, fixed payments typically over 180 days.
Online Line of Credit
A line of credit is like a credit card: withdraw from your credit limit and repay over time.
Explore Payday Loans Online
Get to know the trusted payday advance options we offer
A single-pay payday loan is a small paycheck advance that is paid back in one sum on your next payday.
Apply online—get an instant decision!
Receive funds fast to use as you need
Feel confident with repayment options
How payday loans online work
At Net Pay Advance, it’s faster than ever to get a payday advance for emergency expenses. With no credit check hassles, you can receive an instant cash advance.* Say goodbye to waiting in line!
The process is simple: apply, get an instant decision, receive fast cash, regain your financial control, and pay it back at the end. Easily manage your account online. It’s all at your finger tips!
As our happy customers will tell you, there are plenty of benefits of choosing Net Pay Advance. Reach our reliable support team by phone, email, or text. Don’t miss out on all the perks! Apply with us today.
How payday loans online work
At Net Pay Advance, it’s faster than ever to get a payday advance for emergency expenses.
- No credit check hassles
- Instant Funding
- No waiting in line!
The process is simple: apply, get an instant decision, receive fast cash, regain your financial control, and pay it back at the end. Easily manage your account online. It’s all at your finger tips! Don’t miss out! Apply today.
Apply online—get an instant decision!
Receive funds fast to use as you need
Feel confident with repayment options
Life happens. Instant loans* help you get back to what matters.
Need instant cash to cover an urgent expense before payday? We can help. Our personal loans are designed to be quick and simple.
Apply now for same-day loans.
Life happens. Instant loans help you get back to what matters.
For emergencies that arise out of the blue
For urgent expenses that can’t wait
Life happens. Instant loans help you get back to what matters.
For emergencies that arise out of the blue
For urgent expenses that can’t wait
Need instant cash to cover an urgent expense before payday? We can help. Our personal loans are designed to be quick and simple.
Apply now for same-day loans.
Compare the payday loans online we offer
Compare the payday loans online we offer
Single-Pay Loan
Learn more
States available
Eligible amounts
$100–$255
Loan term
7–31 days (before it must be rolled over or bought down)
Payment extension
3 days
Credit check
Return fee
$15
Can you receive multiple return fees?
No
Late fee
N/A
Does the minimum payment decrease my principal balance?
No
How often will a payment be due?
Every payday
Do we accept partial payments?
No
Installment Loan
Learn more
States available
Eligible amounts
$100–$1,200
Loan term
180 days – due dates determined by customer pay dates
Payment extension
5 days
Credit check
Return fee
$30
Can you receive multiple return fees?
Yes, one for every returned ACH
Late fee
Yes, $7.50 on the 11th day past due
Does the minimum payment decrease my principal balance?
Yes
How often will a payment be due?
Every payday
Do we accept partial payments?
Yes
Line of Credit
Learn more
States available
Kansas, Missouri, Utah, Tennessee,
South Carolina
Eligible amounts
Minimum amount varies by location. Up to $3,000
Loan term
Active accounts are open-ended. If the account is not used for over 365 days, the account will close.
Payment extension
5 days
Credit check
Return fee
N/A
Can you receive multiple return fees?
No
Late fee
Yes, up to $10
Does the minimum payment decrease my principal balance?
Yes
How often will a payment be due?
Statement minimum payment due every payday; however, there’s no set date that loan must be repaid in full
Do we accept partial payments?
Yes
Online loans tailored for your needs
Everyone has a unique situation. Whether you need no hard credit check loans in Los Angeles or same day loans in Houston, we help people like you every day. Our online payday loans meet your needs in line with your local state’s regulations. Take a quick look at some examples here.
Customer stories based on real reviews
In today’s world, unexpected expenses are a reality. We believe that everyone deserves assistance, regardless of their credit history. That’s why we’ve embraced digital solutions and pride ourselves on being a trusted lender. As you can see in +8,000 satisfied reviews like these, you can count on us to stand by you through life’s financial twists, empowering you to navigate them with confidence.
Our repayment plans revolve around your upcoming payday to ensure convenience. As a state-licensed lender, Net Pay Advance is committed to upholding both state and federal regulations designed to protect you, the consumer. Security with us is a top priority, and our knowledgeable and friendly team is here to guide you towards success with our payday loans. For further insights and clarity, explore our frequently asked questions section.
In today’s world, emergency expenses are a reality. That’s why we’ve embraced digital solutions and pride ourselves on being a trusted lender. As you can see, repayment plans align with your payday for convenience. Your success is our goal.
For more information, check our FAQs or read from +8,000 5-star reviews to see why you can count on us to support you through financial challenges.
No credit needed. Instant decision.
No credit needed. Instant decision.
★★★★★
“Net Pay Advance [was] very helpful in lending me the amount of money that I needed to get my car fixed. Other loan [companies] kept sending me to a lot of different lenders. Will choose this company in the future [if] I needed to borrow money again.”
Chris’s story
Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.
★★★★★
“Net Pay Advance [was] very helpful in lending me the amount of money that I needed to get my car fixed. Other loan [companies] kept sending me to a lot of different lenders. Will choose this company in the future [if] I needed to borrow money again.”
Chris’s story
Two days before an important trip, Chris gets a flat tire. He applies for a single-pay payday loan and is approved instantly from his phone. He has a valid debit card on file, so in just a few minutes, he gets a quick direct deposit of the $150 he needs for a new tire that day. One week later, Chris pays off his single-pay payday loan in one payment when he gets his paycheck.
★★★★★
“I really appreciate the speed at which Net Pay Advance deposited my funds. My tenant didn’t pay her rent and I had an emergency that afternoon, applied for the loan, and received the funds that I needed literally the next morning. Thank you Net Pay Advance! ♥︎”
Jenna’s story
Jenna’s client didn’t pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She’s approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.
★★★★★
“I really appreciate the speed at which Net Pay Advance deposited my funds. My tenant didn’t pay her rent and I had an emergency that afternoon, applied for the loan, and received the funds that I needed literally the next morning. Thank you Net Pay Advance! ♥︎”
Jenna’s story
Jenna’s client didn’t pay her bill on time and Jenna has a $700 emergency that week. Jenna decides to apply for an installment loan online. She’s approved, and since she has a debit card on file, Jenna receives the funds she needs instantly. She can settle her emergency and then repay over the next 180 days, giving her—and her client—more time for repayment.
★★★★★
“I have recently experienced several unexpected medical emergencies and was required to reimburse a significant co pay amount for which I reached out to NetPayAdvance with successful results. Thank you much for your assistance in this matter, as well as your friendly and knowledgeable customer service supervisors.”
Mike’s story
Mike’s family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He’s approved for $2,500 and is able to pay his family’s medical needs as they happen. He makes repayments over time. He doesn’t have to reapply for a loan when the next need arises.
★★★★★
“I have recently experienced several unexpected medical emergencies and was required to reimburse a significant co pay amount for which I reached out to NetPayAdvance with successful results. Thank you much for your assistance in this matter, as well as your friendly and knowledgeable customer service supervisors.”
Mike’s story
Mike’s family has an unexpected medical problem. He needs help to cover the bills that will occur. Mike applies for an online line of credit with Net Pay Advance. He’s approved for $2,500 and is able to pay his family’s medical needs as they happen. He makes repayments over time. He doesn’t have to reapply for a loan when the next need arises.
*Please note that the customers referenced in these reviews are not the individual depicted in the story.
Frequently Asked Questions
How can I borrow cash immediately?
If you need money in a pinch, a quick cash advance is a fast solution. With Net Pay Advance, you can get access to payday loans fast. Our instant deposit option is available to eligible applicants with a valid debit card on file.* No debit card is no problem. You can still get quick cash with next day funding.
How fast are your payday loans online?
Our team works hard to make our services as fast as possible. This includes a quick application that only takes five minutes to complete and gets an instant decision. You can get instant funding with a debit card on file.* That means you can get approval and funding in fifteen minutes! If you’re approved but don’t have a valid debit card on file, you can still get paid quickly. Our next-business-day loans are quick, too. Read more about our timing here.
Do you offer instant payday loans online with guaranteed approval?
Net Pay Advance offers instant funding with a valid credit card on file to eligible applicants*, making it simple to get the money you need quick. While we cannot guarantee approval, we do work with all kinds of credit. We do not perform a hard credit check. This gives our payday loans more availability than other kinds of loans.
Can I get a payday loan without a pay stub?
With Net Pay Advance, you can get a payday loan fast without a pay stub. We also accept Social Security, retirement, and pension. Read more about what you need to apply here.
Where can I find small payday loans online no credit check?
If you’re looking for small payday loans with no hard credit check, you’ve found the right place. You can access funds with no credit needed. Plus, applying with us will not affect your credit. This is because we use a soft credit pull just to confirm your identity, not a hard credit check like other lenders.
With our application, your personal information stays secure. The soft pull doesn’t impact your credit or leave behind a trace for others to see. In addition, your credit score is not considered during the application. We think you deserve privacy.
Is a payday loan secured or unsecured?
At Net Pay Advance, we provide unsecured loans. We do not require any collateral like a home or car. We’re dedicated to being a fast solution for people between pay periods. It’s that simple. See what our owner has to say about our loans.
Payday loans near you
Net Pay Advance has been delivering payday loans online across the US for over a decade. Today we provide cash advances across several states. Look no further for payday loans near you—you can apply now online. What could be closer? Select your state to learn more.
Payday loans near you
Net Pay Advance has been delivering payday loans online across the US for over a decade. Today we provide cash advances across several states. Look no further for payday loans near you—you can apply now online. What could be closer? Select your state to learn more.
Resources for you
We know how difficult it is to worry about paying bills. Our team is here to help you be successful. Our customer service team is standing by to help whenever you have questions. Explore our other online resources, built just for you.
Instant Funding
Get fast funds and stay ahead of the game with our instant cash advance technology.
State-licensed lender
We adhere to requirements to deliver excellent payday laons online across the US.
No hard credit check
Applying with us does not affect your credit score. Plus, there’s no credit needed.
No penalty to pay early
You have flexibility with us when you need. Pay early with no penalty.
Security
Your information stays protected with our top-of-the-line loans online security
Glossary
Find definitions of personal finance words to know within our financial literacy glossary.
Due date extension
Extend your due date by a few days for free when you need more time to pay.