Frequently Asked Questions

Find answers to common questions about NetPay Advance loans

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📝

Application Process

12 questions

✅

Eligibility & Approval

10 questions

💰

Funding & Payments

15 questions

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Account Management

8 questions

🛡️

Security & Privacy

6 questions

🏦

Loan Products

14 questions

📝 Application Process

How do I apply for a loan? +
Visit netpayusadvance.com and click the "Apply Now" button. Fill out our online application which takes about 5 minutes. You'll need to provide personal information, employment details, and bank account information. The application is 100% online and can be completed from any device.
How long does the application take? +
Most customers complete the application in under 5 minutes. If you have all your information ready (ID, bank account details, employment info), it can be even faster.
Can I apply on my phone? +
Yes! Our application is fully mobile-optimized. You can apply from your smartphone, tablet, or computer. The process is the same on all devices.
What information do I need to apply? +
You'll need: (1) Personal information (name, address, DOB, SSN), (2) Employment information (employer name, income, pay frequency), (3) Bank account details (routing and account numbers), (4) Valid government-issued ID, (5) Working phone number and email address.
Can I save my application and finish later? +
Yes, your progress is automatically saved. If you need to stop and come back, simply return to the same link and your information will be there. However, we recommend completing it in one session for fastest results.
How will I know if I'm approved? +
Most customers receive an instant decision after submitting their application. You'll see your approval status on screen immediately. You'll also receive confirmation via email and text message.
What if my application is pending? +
Some applications require manual review, which typically takes a few hours. We may need to verify some information or contact you for additional details. Check your email and phone for messages from us. If you haven't heard back within 24 hours, call (888) 942-3320.
Can I apply for multiple loans at once? +
You can only have one active loan at a time. Once you've repaid your current loan, you can apply for a new one. If you need more funds, consider our line of credit product which allows you to draw funds as needed.
What if I made a mistake on my application? +
If you notice an error before submitting, you can go back and correct it. If you've already submitted, call our customer service team immediately at (888) 942-3320 to update your information.
Can I apply if I'm currently employed but haven't started yet? +
Generally, you need to have received at least one paycheck from your current employer. However, other income sources (benefits, retirement, etc.) may qualify. Contact us at (888) 942-3320 to discuss your specific situation.
Is there an application fee? +
No! There is no fee to apply. You only pay fees if you're approved and accept the loan.
Can I apply outside of business hours? +
Yes! Our online application is available 24/7, 365 days a year. You can apply anytime from anywhere. Applications submitted outside business hours will be processed on the next business day.

✅ Eligibility & Approval

What are the basic requirements to qualify? +
You must: (1) Be at least 18 years old, (2) Be a U.S. citizen or permanent resident, (3) Have a valid government-issued ID, (4) Have an active checking account in your name, (5) Have verifiable regular income, (6) Provide working phone number and email.
Do you check my credit? +
We may perform a soft credit check for identity verification. This does NOT impact your credit score. We don't base our lending decisions solely on credit scores, so customers with bad credit or no credit history may still be approved.
Can I get approved with bad credit? +
Yes! Many of our customers have bad credit or no credit history. We look at multiple factors including your income and ability to repay. Bad credit alone won't automatically disqualify you.
What types of income do you accept? +
We accept various income sources including: employment wages, Social Security benefits, disability benefits, retirement income, self-employment income, unemployment benefits, and certain government assistance programs.
How much income do I need? +
Income requirements vary by loan type and amount. Generally, you need enough income to cover your living expenses plus the loan payment. We evaluate your debt-to-income ratio to ensure you can afford the loan.
Can I get approved if I'm self-employed? +
Yes! We work with self-employed individuals. You may need to provide additional documentation of your income such as bank statements or tax returns.
Do I need a checking account? +
Yes, an active checking account in your name is required. We deposit funds and collect payments through your bank account. Savings accounts are not accepted.
Why was my application denied? +
Common reasons include: insufficient income, unable to verify information provided, recent bankruptcy, too many recent loan applications, or not meeting state-specific requirements. We'll explain the specific reason(s) for your denial and may suggest alternatives.
Can I reapply if I was denied? +
Yes, you can reapply after addressing the reason for denial. For example, if denied due to insufficient income and your income increases, you can submit a new application. We recommend waiting at least 30 days before reapplying.
Are there any states where you don't operate? +
NetPay Advance is licensed to operate nationwide. However, loan products and terms vary by state due to different state regulations.

💰 Funding & Payments

How fast can I get my money? +
With instant funding, approved customers can receive money in as little as 15 minutes. Standard ACH transfer takes 1 business day. Timing depends on your bank's processing speed.
What is instant funding? +
Instant funding is an expedited deposit service that puts money in your account within 15 minutes of approval. A small convenience fee (typically $5-$15) applies. Available 7 days a week for most customers.
Is there a fee for instant funding? +
Yes, there's a small convenience fee for instant funding (typically $5-$15 depending on loan amount). Standard ACH transfer is free but takes 1 business day.
When will I receive my funds? +
Instant funding: Within 15 minutes. Standard ACH: By end of next business day. Weekend/holiday applications processed on next business day. Check your bank account for the deposit.
How are payments collected? +
Payments are automatically withdrawn from your bank account on scheduled dates. Make sure sufficient funds are available to avoid NSF fees. You'll receive reminders before each payment is due.
Can I change my payment date? +
Payment dates are typically set based on your pay schedule. If you need to change your payment date, contact our customer service team at (888) 942-3320 to discuss options. Changes depend on your loan type and agreement terms.
What if I can't make a payment? +
Contact us IMMEDIATELY at (888) 942-3320 if you foresee difficulty making a payment. Our customer service team can discuss payment arrangements or options. The earlier you reach out, the more we can help.
Can I pay off my loan early? +
Yes! We have no prepayment penalties. Paying off early saves you money on interest. You can make extra payments or pay the full balance anytime through your online account or by calling us.
How do I make a payment? +
Payments are automatic, but you can make additional payments through: (1) Your online account at netpayusadvance.com, (2) Calling customer service at (888) 942-3320, (3) Using the payment options in your account dashboard.
What happens if a payment fails? +
If payment fails due to insufficient funds, you'll be charged an NSF fee. We'll attempt to collect again. Contact us immediately to avoid additional fees and arrange payment. Repeated failed payments can affect your credit and account status.
Can I set up a payment plan? +
If you're experiencing financial difficulty, contact us at (888) 942-3320. Our team can discuss payment arrangements based on your situation. We're here to help, but you must reach out proactively.
What are the late payment fees? +
Late payment fees vary by state and loan type. All fees are disclosed in your loan agreement before you sign. To avoid late fees, ensure payments are made on time or contact us if you need help.
Will my payments be reported to credit bureaus? +
On-time payments may be reported and can help build your credit. Late or missed payments can be reported and negatively impact your credit score. Always make payments on time.
Can I get a receipt for my payments? +
Yes! Payment confirmations are sent via email. You can also view your complete payment history in your online account anytime.
What if I paid but it's not showing in my account? +
Payments may take 1-2 business days to process and reflect in your account. If it's been longer, contact customer service at (888) 942-3320 with your payment confirmation for assistance.

🔐 Account Management

How do I access my account online? +
Visit netpayusadvance.com and click "Login" in the top right. Enter your email and password. If you haven't created a login yet, you can do so after your loan is approved.
I forgot my password. What should I do? +
Click "Forgot Password" on the login page. Enter your email address and we'll send you instructions to reset your password. If you don't receive the email, check your spam folder or call (888) 942-3320 for help.
Can I update my contact information? +
Yes! Log into your account and go to Settings or Profile to update your phone number, email, or address. You can also call customer service at (888) 942-3320 to update information.
Can I change my bank account on file? +
Yes, but changes must be made before your next payment is due. Contact customer service at (888) 942-3320 to update your bank account information. Verification may be required.
How do I check my loan balance? +
Log into your online account to view your current balance, payment history, and upcoming payment dates. You can also call customer service at (888) 942-3320 for balance information.
Can I get a loan payoff quote? +
Yes! Contact customer service at (888) 942-3320 or check your online account for your current payoff amount. The payoff amount may be less than your remaining scheduled payments due to interest savings.
How do I close my account? +
After your loan is fully repaid, you can request account closure by calling (888) 942-3320. We recommend keeping your account open for easier access if you need a loan in the future.
Will I receive statements? +
Yes, you'll receive monthly statements via email showing your balance, payments made, and upcoming due dates. Statements are also available in your online account.

🛡️ Security & Privacy

Is my information secure? +
Absolutely! We use 256-bit SSL encryption (the same level as major banks) to protect all data transmission and storage. Your personal and financial information is encrypted and securely stored.
Do you sell my information to third parties? +
No! We NEVER sell your information to third parties. As a direct lender, we keep all your data confidential. We may share information only as required by law or with service providers who help us process your loan.
How do you protect against identity theft? +
We employ multiple security measures including identity verification, fraud detection systems, secure data encryption, and regular security audits. If you suspect identity theft, contact us immediately at (888) 942-3320.
What is your privacy policy? +
Our privacy policy outlines how we collect, use, and protect your information. You can read our complete privacy policy on our website. We comply with all applicable privacy laws and regulations.
Can I opt out of marketing communications? +
Yes! You can unsubscribe from marketing emails by clicking the unsubscribe link in any email. You can also update your communication preferences in your online account or by calling (888) 942-3320.
What should I do if I suspect fraud on my account? +
Contact us IMMEDIATELY at (888) 942-3320 if you suspect unauthorized activity. We'll investigate and take appropriate action. Also file a report with your local police and the FTC at identitytheft.gov.

🏦 Loan Products

What types of loans do you offer? +
We offer three main products: (1) Cash loans - short-term loans for small amounts, (2) Installment Loans - larger amounts with fixed monthly payments, (3) Line of Credit - revolving credit you can draw from as needed.
How much can I borrow? +
Amounts vary by product and state: Cash loans: $255-$1,500. Installment Loans: $500-$5,000+. Line of Credit: $500-$5,000+. Your approved amount depends on income, creditworthiness, and state regulations.
What's the difference between a payday loan and installment loan? +
Cash loans are smaller amounts due in full on your next payday (2-4 weeks). Installment loans are larger amounts repaid over 3-12 months with fixed monthly payments. Installment loans are better for larger expenses and longer repayment needs.
How does a line of credit work? +
A line of credit is revolving credit - you're approved for a limit and can draw from it as needed. You only pay interest on what you borrow. As you repay, credit becomes available again without reapplying. It's like a credit card but for loans.
What are your interest rates? +
Rates vary by product, state, loan amount, and creditworthiness. All rates and fees are clearly disclosed in your loan agreement before you sign. We comply with all state rate regulations.
Are there any hidden fees? +
No! All fees are disclosed upfront in your loan agreement. There are no hidden charges. What you see is what you pay.
Can I have multiple loans at once? +
You can only have one active loan at a time (payday or installment). However, you can have a line of credit in addition to another loan product. Contact us to discuss your options.
How long does it take to get approved for a line of credit? +
Line of credit applications typically receive instant decisions, just like our other products. Once approved, you can draw funds immediately.
Can I increase my loan amount after approval? +
For payday and installment loans, the amount is fixed at approval. For lines of credit, you may request a credit limit increase after establishing payment history. Contact (888) 942-3320 to discuss.
What's the maximum loan term? +
Cash loans: 2-4 weeks. Installment loans: 3-12 months. Lines of credit: Ongoing/revolving as long as account is in good standing. Terms depend on loan type and state regulations.
Do you offer renewal or rollover options? +
Renewal and rollover options vary by state regulations. Some states prohibit rollovers. Contact customer service at (888) 942-3320 to discuss your specific situation and available options.
Are you a direct lender or broker? +
We are a DIRECT LENDER. This means we fund your loan directly - there are no middlemen. We never sell your information to other lenders. When you apply with NetPay Advance, you're working directly with us from start to finish.
What states do you operate in? +
NetPay Advance is licensed to operate nationwide in all 50 states. However, specific loan products and terms vary by state due to different state regulations.
Can I use a loan for any purpose? +
Yes, once funds are in your account, you can use them for any legal purpose. We recommend using loans for genuine emergencies and essential expenses rather than discretionary spending.

Still Have Questions?

Our customer service team is here to help!

📞

Call Us

(888) 942-3320

Mon-Fri 9am-8pm CT
Sat 11am-3pm CT

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Email Us

customerservice@
netpayusadvance.com

We respond within 24 hours

💬

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