Apply Online For Netpayusadvance

All credit welcome

Why Choose NetPay Advance?

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Licensed Direct Lender

We're fully licensed and regulated in all states we serve. Unlike brokers, we never sell your information to third parties.

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Fast Approval Process

Apply online in under 5 minutes. Get instant decision and receive funds the same day with our instant funding option.

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No Hard Credit Check

We perform only a soft credit check that won't impact your credit score. Bad credit or no credit? We can still help.

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Transparent Terms

No hidden fees. All rates, terms, and conditions are clearly disclosed before you sign.

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Secure & Confidential

Bank-level encryption protects your personal and financial information throughout the entire process.

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Excellent Customer Service

Our friendly loan experts are available by phone, text, or email Monday-Friday 9am-8pm CT.

What Our Customers Say

★★★★☆ 4.0

Based on 8,881 reviews on Trustpilot

★★★★★

"The customer service at Net Pay Advance is amazing. Angel was efficient, friendly, and knows how to make his customers smile. Highly recommended!"

- Sarah M.

★★★★★

"I have always had no issue with NPA. I process my loans online myself quickly and efficiently. Their site is easy to use, and customer service is very flexible."

- James R.

★★★★★

"Having a payday loan with net pay has been the easiest experience I've been through. They have always helped me when needed."

- Maria G.

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Our Loan Products

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Cash loans

Short-term loans up to $255-$1,500 depending on your state. Perfect for emergency expenses until your next payday.

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Installment Loans

Flexible repayment schedules with fixed monthly payments. Borrow more and pay over time at your own pace.

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Line of Credit

Revolving credit line you can draw from as needed. Only pay interest on what you use, with flexible repayment.

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How It Works

1

Apply Online

Fill out our quick and secure online application in under 5 minutes. No paperwork required.

2

Get Approved

Receive an instant decision. Most customers are approved within minutes.

3

Receive Funds

Get your money the same day with instant funding, or next business day via ACH transfer.

Ready to Get Started?

Apply now and get your funds as soon as today!

Apply Now - It's Fast & Easy!

⚡ Instant Decision • 🔒 Secure Application • ✅ No Hard Credit Check

Frequently Asked Questions

What is NetPay Advance? +
NetPay Advance is a licensed direct lender offering Cash loans, installment loans, and lines of credit to customers in California, Kansas, Missouri, Texas, Tennessee, and Utah. We've been helping customers since our founding and are committed to transparent, responsible lending.
How fast can I get my loan? +
Approved customers can receive funds the same day with our instant funding option (funds available in as little as 15 minutes), or next business day via standard ACH transfer. Most applications receive an instant decision.
Do you check my credit? +
We perform a soft credit check for identity verification purposes only. This soft inquiry will not impact your credit score. We don't base our lending decisions primarily on credit score, so customers with bad credit or no credit history may still be approved.
What do I need to apply? +
You'll need: (1) Active checking account in your name, (2) Valid government-issued ID, (3) Regular income source (employment, benefits, or other), (4) Working phone number and email address, (5) Be at least 18 years old, (6) Be a resident of a state we serve.

Your Security is Our Priority

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Bank-Level Encryption

256-bit SSL encryption protects all your data

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State Licensed

Fully licensed and regulated in all states we serve

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Privacy Protected

We never sell your information to third parties

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BBB Accredited

Committed to marketplace trust and ethics