Complete step-by-step guide to getting approved and receiving your funds fast
Start Your Application NowApplying for a loan with NetPay Advance is quick, simple, and 100% online. Here's what you can expect:
Gather these items before you start to make the process even faster
Follow these simple steps to complete your application
Go to netpayusadvance.com from any device—computer, tablet, or smartphone. Click the green "Apply Now" button on the homepage.
What you'll see: You'll be directed to a secure application form. Look for the padlock icon in your browser to confirm the connection is encrypted.
Select the type of loan you need:
Tip: Not sure which to choose? The application will help guide you based on your needs.
Fill in your basic details:
Important: Double-check all information for accuracy. Mistakes can delay your approval.
Tell us about your income:
Note: We accept various income sources including employment, benefits, Social Security, retirement, and more.
Enter your bank account information:
Why we need this: Your bank account is where we'll deposit your funds and collect payments.
Security: All banking information is encrypted and securely stored. We never share your data with third parties.
Before submitting, carefully review all the information you've entered:
Pro Tip: Most application errors happen in the bank account section. Triple-check those numbers!
Click "Submit Application" and wait for your decision—usually within seconds!
What happens next:
If approved: You'll immediately see your loan terms, amount, and repayment schedule.
If denied: We'll explain why and suggest alternatives or what you can do to improve your chances.
Once approved, you'll see your complete loan agreement showing:
Read carefully! This is a legal contract. Make sure you understand all terms before signing.
Have questions? Call us at (888) 942-3320 before signing. Our team can explain anything you don't understand.
Accept the loan terms with an electronic signature:
Legal validity: Electronic signatures are legally binding and have the same force as a written signature.
Your copy: You'll receive a copy of the signed agreement via email for your records.
Select how quickly you want to receive your money:
Instant Funding details: Available for most customers, 7 days a week. Small fee (typically $5-$15) for immediate access to your funds.
Standard ACH: Free option. Funds deposited by end of next business day (excludes weekends and holidays).
That's it! Your money is on the way to your bank account.
What to expect:
Confirmation: Save your confirmation email. It contains important information about your loan and payment schedule.
Follow these tips to improve your chances and speed up the process
The #1 reason for delays is incorrect information. Review your application carefully before submitting, especially bank account numbers and contact info.
Keep your ID, bank account info, and pay stubs nearby while filling out the application. This ensures you enter accurate information quickly.
Make sure your bank account has been open for at least 60-90 days and has regular activity. Brand new accounts may not be accepted.
Ensure your income can support the loan amount you're requesting. Lenders look at your debt-to-income ratio when making decisions.
We may need to verify information by phone. Make sure you provide a number where we can reach you quickly during business hours.
Applying in the morning gives you the best chance for same-day funding. Applications submitted after 5pm CT may be processed the next business day.
Solutions to problems you might encounter
Solution: This usually means a required field is missing or contains an error. Scroll through the entire form looking for red error messages or empty required fields. Make sure all fields marked with an asterisk (*) are completed.
Solution: Verify your routing and account numbers are correct. Some banks have multiple routing numbers—use the one for ACH/direct deposit (not wire transfers). If problems persist, try a different account or contact your bank to verify the account is eligible for ACH transactions.
Solution: Sometimes we need additional verification. You may be asked to upload a photo of your ID, a bank statement, or pay stub. Have these ready on your phone or computer. Our customer service team can guide you through this process at (888) 942-3320.
Solution: Some applications require manual review, which can take a few hours. Check your email and phone for messages from us. We may need additional information. If you haven't heard back within 24 hours, call (888) 942-3320 for an update.
Solution: We'll explain the reason for denial (insufficient income, unable to verify information, etc.). You may be able to reapply after addressing the issue, or we might suggest a different loan product. Contact us to discuss your options.
Solution: Try refreshing your browser, clearing your cache, or using a different browser. If problems continue, you can complete your application over the phone by calling (888) 942-3320. Our team can input your information directly.
Complete your entire application from your smartphone or tablet
Our mobile-optimized application works perfectly on any device. Apply from anywhere, anytime—no app download required!
Fully responsive design works on all screen sizes
Large buttons and form fields optimized for touch
Take pictures of documents directly from your phone
Same bank-level encryption on mobile as desktop
Watch our step-by-step application walkthrough
Watch this 5-minute video to see exactly how the application process works from start to finish.
Video tutorial coming soon! In the meantime, follow our written guide above or call (888) 942-3320 for personalized help.
What happens next
You'll receive confirmation emails at every step: application received, approval decision, loan agreement, and funding confirmation. Check your spam folder if you don't see them.
Once you've signed your loan agreement and selected funding, watch for the deposit to appear in your account. With instant funding, this can be as fast as 15 minutes.
Add your payment due dates to your calendar. Payments are automatically withdrawn, so ensure sufficient funds are available on those dates to avoid NSF fees.
Log into netpayusadvance.com to manage your loan online. View your balance, payment history, upcoming due dates, and make additional payments if desired.
Apply now and get your decision in minutes!
Start Your Application⚡ 5 Minute Application • ✅ Instant Decision • 💰 Same-Day Funding
Or call us at (888) 942-3320 for help with your application