Net Pay Advance
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Net Pay Advance's mission is to provide a simple, secure and trusted online personal loan. You must live in California, Kansas, or Texas, be at least 18 years old, have an email address, and have a bank account in your name that's been open and active for at least 30 days. With an eligible debit card, funds will be deposited to your checking in minutes of signing your loan agreement.

You get the money you need quickly and without delay, so you can cover the expenses you need and enjoy life uninterrupted. If an account cannot accept same-day deposit, funds will be deposited the next day via ACH. We put money in your hands, when you need it. Getting paid is easy with Net Pay Advance.
Services
Founded in 2007 by our President, Brian J. Staver. Net Pay Advance is a financial service company that was founded on the principle of using technology to help others. We do so by sticking to three missions. Keeping our procedures simple by creating a website that is easy to navigate and implementing technology that streamlines the funding process.
At Net Pay Advance, our focus is helping you get the cash you need quickly. For our customers, we offer no-credit-check loans with instant decisions, to help people with bad credit or no credit get fast access to a loan. Our instant decision loans are available in two forms - a traditional no-credit-check payday loan and a no-credit-check installment loan.
Payday loans are designed to help everyday people get through in the time in-between pay periods. For most, payday comes every two weeks. Otherwise known as a cash advance, payday loans help cover unexpected or emergency expenses or cover a bill in the time in-between. An online payday loan from Net Pay Advance gives you access to your money before payday.
Installment loans are quite common. Mortgages, auto loans, and student loans are all types of installment loans. An installment loan traditionally allows you to borrow more money than a single-pay loan. For our customers in Texas, eligible borrowers may access up to $1,200 through an installment loan.
Typically your loan will be due on the next day you are paid that falls between 8 and 31 days away. In accordance with California law, your loan must be paid in full on the due date. Early payoff requests must be received by 6:00 PM Pacific time one day prior to your due date. Net Pay Advance cannot use the criminal process against a consumer to collect on any deferred deposit transaction.
Reviews (9)
Tamika Dempsey
Tamika Dempsey
Jan 09, 2022
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I have just had the worst experience today with this company and was basically called a criminal! Long story short, I paid off my loan (2days early) tried to reborrow and was not able to because it had been within 30 days which is understandable. I was told by 2 reps to reapply on 01/11/22. I went to reborrow and it said that my acct had unsatisfactory account history so I called to speak with someone who then spoke with their sup and adv me that I could not reborrow because of some prepaid gift cards that I had tried to use (which I did not know that I couldn’t). So when that situation happened
Rose Jackson
Rose Jackson
Sep 30, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Customer service was great regarding a recent issue I had. Great follow up and communication. The customer service team is friendly, knowledgeable and professional. I appreciate their service.
Jon Dailey
Jon Dailey
Sep 15, 2021
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Positive: Value
fast, dependable, online service & signing forms. Money was in my bank account the next day. .Even thou I filed the papers at around 4:20 PM
Jose Barrios
Jose Barrios
Aug 24, 2021
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I have used net pay succesfully before.
This time I applied on line they call my home number and told my ex I had applied for a loan ..they were looking for me to get more info.
They had my cell and my email. Now every body knows I am short money this week. I would understand if they call asking for me why did Leslie have to tell my ex I had applied for a pay advance.
So embarrassing. I though this was private.
Yeah my family is calling to ask if I need money.
Leah Paredes Castillo
Leah Paredes Castillo
Aug 03, 2021
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Critical: Quality, Value
You should treat your great paying clients with great above and beyond service but you do not. I spend plenty with you and I am NEVER late.
Mae Sablan
Mae Sablan
Dec 02, 2020
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Positive: Professionalism, Responsiveness, Value
They definitely were able to assist me when an emergency came up. It’s simple and not too many “ need this, fax us this or give us reference” I highly recommend it site. Thank you being there when I needed it the most. 👍
Anna Krumbholz
Anna Krumbholz
Oct 05, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
The whole process took less then 30 minutes! Money was in my account within 24 hours! Payment isn't due till well after payday. I'll be able to pay it off well ahead of time and the fees are more then fair. I'll never use another lender!!
Freda White
Freda White
Aug 28, 2020
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I have never experienced with anyone what Ashley took the time to correct my mistake. I was trying to arrange a payment when I had filled out the wrong information and she took time to help me to get it corrected by calling me and coachibg over the phone to get to the payment plan. To me she is an example to how people should be when dealing with the public. She is an asset to your conpany.
Chun Kun
Chun Kun
Jul 02, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Very Fast I greatly appreciate the customer service most of all also in this time of crisis with COVID-19 as well as not being able to make ends meet thank you for helping me survive. This loan service is legit.