A personal loan for
your personal needs
Why choose NetPay for your online personal loan?
Flexible Loan Amounts
Fixed Rates and Terms
No Prepayment Fees
Customers Testimonials
We've helped more than 1 million customers.
NetPay Advance is by far the best payday loan agency I have ever done business with. Staff are kind and polite, the time it takes to get my fund after an approval is immediate, and they are very understanding when once in a while I have to postpone my payment to future date.
I have been financially stressed and needed a way out and NetPay Advance was there in a fix. I don’t care for the amount I have to pay back but it helped me catch up and now I have just the one payment to get thru.
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.
A quick & transparent process
Apply for a personal loan online in 3 Steps
Get Your Rate
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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.”
The funds from a personal loan can typically be used for a variety of purposes. Personal loans are commonly used to help with debt consolidation, medical expenses, home improvement projects, student debt, a move, a wedding, or a vacation.
An unsecured personal loan is money borrowed from a lender that isn’t secured by property like a house or car. While most online personal loans through Upstart are unsecured, other lenders may place a lien on other accounts you hold with them. Always review your promissory note (aka the written agreement from the lender) for these details before accepting your loan.
If you accept your loan before 5 p.m. ET Monday – Friday, your funds will be transferred the next business day. If you accept the online loan after that time period, the funds will be transferred the following business day.
For personal loans being used for education-related purposes, it’ll be an additional 3 business days in accordance with federal law.
You can borrow between $1,000 and $301,000 on a personal loan. Note that certain states have specific minimum loan amounts. The exact amount you may borrow depends on what you qualify for based on your application information.
It’s possible. Some lenders and lending platforms provide personal loans for bad credit or no credit at all. Different lenders have different minimum credit requirements for their personal loans. At NetPay, our model considers other factors such as your education and employment in addition to your financial background. It’s important to remember that while you may qualify for a personal loan with low credit, your loan may come with higher interest rates.
It will not. When you check your rate, we make a soft credit inquiry on your report, which doesn’t impact your credit score. If you accept your rate and proceed with your application, we will make a hard credit inquiry to verify your information. This action will be recorded as a hard inquiry on your report and it may impact your credit score.
All personal loans through Upstart offer a fixed interest rate and range between 4.8% – 31.99%. The rate you qualify for is based on various factors including your education, work experience, and credit history. As a reminder, the interest rate is only one factor of the cost of the loan. The total cost of your loan is reflected in the APR (annual percentage rate), which is the annual cost of a loan that includes both interest rate and all other associated fees.
