Our Commitment to Fair Lending and Consumer Protection
At NetPay Advance, we are committed to responsible lending practices that prioritize the financial wellbeing of our customers. We believe in transparency, fairness, and ethical business conduct. Our goal is not just to provide loans, but to be a trusted partner in helping our customers navigate temporary financial challenges while promoting long-term financial health.
We provide clear, straightforward information about all loan terms, fees, and costs upfront. No hidden fees, no surprises. You'll know exactly what you're agreeing to before you sign any agreement.
Every customer deserves respect and fair treatment regardless of their financial situation. We comply with all fair lending laws and do not discriminate based on race, color, religion, national origin, sex, marital status, age, or any other protected characteristic.
We only offer loan products that are suitable for each customer's financial situation. Our underwriting process evaluates ability to repay, ensuring we don't approve loans that customers cannot afford.
We provide resources and information to help customers make informed financial decisions. We believe educated borrowers make better choices and achieve better outcomes.
We maintain strict compliance with all federal and state consumer protection laws. Our practices are regularly audited to ensure we meet the highest standards of consumer protection.
We provide accessible, responsive customer service to answer questions and address concerns. Our team works with customers facing financial difficulties to find solutions.
We provide all required disclosures in clear, understandable language before you accept a loan. This includes the Annual Percentage Rate (APR), finance charges, payment schedule, and total amount to be repaid.
We verify your income and evaluate your ability to repay before approving a loan. We consider your income, expenses, and existing financial obligations to ensure the loan is affordable.
We never pressure customers to take loans or borrow more than they need. You have time to review loan terms and can decline or cancel within allowed timeframes.
If you experience repayment difficulties, we work with you respectfully and in compliance with the Fair Debt Collection Practices Act (FDCPA). We offer payment arrangements when possible.
We protect your personal and financial information with bank-level security. We do not sell your information to third-party lenders or lead generators.
We maintain active licenses in all states we serve and comply with all applicable federal and state lending laws, including state interest rate caps and fee limitations.
Short-term loans are expensive and should be used only for short-term financial needs, not as a long-term financial solution.
Before taking out a short-term loan, consider the following:
If you have credit difficulties, we encourage you to seek credit counseling before entering into any loan transaction.
Just because you're approved for a certain amount doesn't mean you should take it all. Borrow only what you need for your immediate emergency.
Before accepting a loan, ensure you have a clear plan for how you'll repay it. Make sure the payment fits within your budget.
Carefully review the loan agreement, including all fees, due dates, and terms before signing. Ask questions if anything is unclear.
Ensure sufficient funds are available in your account on the due date. Late payments result in additional fees and can affect your credit.
If you anticipate difficulty making a payment, contact us immediately. The sooner we know, the more we can help.
Use this experience as motivation to start building an emergency fund, even if it's just a small amount each month.
Get free or low-cost credit counseling from certified counselors who can help with budgeting and debt management.
Visit NFCC →Access free financial education resources, tools, and calculators to improve your money management skills.
Visit MyMoney.gov →Learn about your rights as a consumer and how to file complaints if you experience unfair lending practices.
Visit CFPB →Before taking out a short-term loan, consider these alternatives:
Consider asking family or friends for a short-term loan. Be sure to put the terms in writing.
Some employers offer paycheck advances or emergency loans to employees. Check with your HR department.
Credit unions often offer small-dollar loans with lower rates than payday lenders.
If you have a credit card with available credit, even a cash advance may be less expensive than a payday loan.
Local charities, churches, and community organizations may offer emergency financial assistance.
Contact your creditors directly to negotiate payment plans or extensions rather than taking a loan.
We're here to help you make informed decisions about your financial needs
Customer Service Hours:
Monday - Friday: 9:00 AM - 8:00 PM CT
Saturday: 11:00 AM - 3:00 PM CT
We promise to treat every customer with dignity and respect, to provide clear and honest information, and to operate our business with the highest ethical standards. Your trust is our most valuable asset, and we work every day to earn and maintain it.