Licensed direct lender offering Cash loans, installment loans, and lines of credit. Get approved in minutes with same-day funding available.
We're fully licensed and regulated in all states we serve. Unlike brokers, we never sell your information to third parties.
Apply online in under 5 minutes. Get instant decision and receive funds the same day with our instant funding option.
We perform only a soft credit check that won't impact your credit score. Bad credit or no credit? We can still help.
No hidden fees. All rates, terms, and conditions are clearly disclosed before you sign.
Bank-level encryption protects your personal and financial information throughout the entire process.
Our friendly loan experts are available by phone, text, or email Monday-Friday 9am-8pm CT.
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.
Short-term loans up to $255-$1,500 depending on your state. Perfect for emergency expenses until your next payday.
Learn MoreFlexible repayment schedules with fixed monthly payments. Borrow more and pay over time at your own pace.
Learn MoreRevolving credit line you can draw from as needed. Only pay interest on what you use, with flexible repayment.
Learn MoreFill out our quick and secure online application in under 5 minutes. No paperwork required.
Receive an instant decision. Most customers are approved within minutes.
Get your money the same day with instant funding, or next business day via ACH transfer.
Apply now and get your funds as soon as today!
Apply Now - It's Fast & Easy!⚡ Instant Decision • 🔒 Secure Application • ✅ No Hard Credit Check
256-bit SSL encryption protects all your data
Fully licensed and regulated in all states we serve
We never sell your information to third parties
Committed to marketplace trust and ethics