Emergency Loans in
Less Than an Hour

  • Check your rate in 5 minutes.
  • Get funded in as fast as 15 minutes.
  • Get funds before payday with our fast cash advance.
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  • Won’t affect your credit score

Why choose NetPay for your instant cash advance?

When payday is too far away, our cash advance loans are here to help.

Same Day Loans

With instant funding, you can get a fast loan from from $1,000 to $10,000 15 minutes!

Quick Decision

Recieve an immediate answer on your application.

No Hard Credit Check

Complete our quick application with no credit needed.

Customers Testimonials

We've helped more than 1 million customers.

My experience was very easy and the rate is more than fair. I definitely recommend taking a look at what they have to offer. Especially if you don’t have the greatest financial history. Most importantly the repayment amount and schedule were terms I could definitely live with. Thank you NetPay Advance.

Fatima Hassan

The process was very easy , doesn’t take a lot of time. I got my loan in 24 hours , time matters when you are asking for a loan. I will recommend highly to friends and family.

Paul Hill

This was my first time applying for a online loan and I would recommend NetPay Advance to anyone who finds themselves in unexpected financial need. The process was easy to go through the questions I had answered in a timely professional manner by knowledgeable polite loan associates.

Idris Allisson

A quick & transparent process

Get instant cash advance online in 3 Steps

Get Your Rate

It takes less than 5 minutes to check your rate — and it won’t affect your credit score.

Get Approved

Most borrowers are instantly approved with no paperwork required.

Get Funds Fast

Once approved, you could get your funds in 24 hours or less.
Check your rate

There's no such thing as too many questions

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. NetPay Advance, Inc., is referred to here as “NetPay.”

01. Is a cash advance a good solution for emergency funding?

A cash advance is designed to be a solution for emergencies: It gives you access to cash when you’re waiting for your next payday and require immediate funds. There are also alternative options to explore before taking out an online payday loan. Instead of taking out a cash advance loan, consider using a credit card, a savings fund, or even asking friends or family for cash assistance. If these alternatives aren’t a solution for you, a cash advance may be the right fit depending on your needs.

02. What's the difference between a cash advance and payday loans online?

A “cash advance” is another name for “payday loans online.” Both products are designed to be an advancement of money that the borrower can repay with their next paycheck. A cash advance can come in various loan types like a traditional single-pay payday loan, an installment loan, and even a line of credit. Net Pay Advance offers multiple kinds of online loans.

03. Can I get a cash advance with no credit check?

You can get a cash advance with us with no credit needed. We do not require a hard credit check. Whether you have good credit, bad credit, or no credit, you can apply for payday loans online today.

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Other Loan Options

NetPay Advance is a state-licensed direct lender. See our rates and terms page for more information. In Texas, NetPay Advance is a state-licensed credit access business (CAB) and maintains a partnership(s) with a state-licensed direct lender(s) to facilitate safe and secure loans for our customers.

With an eligible debit card provided, all customers can access instant funding.

By submitting your information you understand and agree to our Privacy Policy and Terms of Use

Short-term Loan 14-day APR Range: 2731.07% – 514.29% APR varies per state regulations. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or “rollover” your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum. NetPay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law and California Debt Collector Licensing Act. License Number: 10977-99.