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*Net Pay Advance is a state-licensed direct lender in states where we originate consumer loans. See our Rates and Terms page for more information.

Texas Residents: NPATX, LLC dba Net Pay Advance dba netpayadvance.com is a Credit Access Business, not a lender, in the state of Texas. All loans are made by an unaffiliated third-party lender.

Kansas Residents: NPAKS, LLC dba Net Pay Advance dba netpayadvance.com is licensed by the Kansas Office of the State Bank Commissioner pursuant to the Kansas Uniform Consumer Credit Code, License No. SL.0026778.

California Residents: By using this site, you acknowledge receipt of disclosures of setting forth your rights under the California Consumer Privacy Protection Act of 2018 as disclosed in our California Resident's Privacy Policy Addendum. Net Pay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, License Number 10977-99, and maintains a license pursuant to the California Debt Collector Licensing Act.

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

Subject to state regulations, eligibility, underwriting, and approval. Rates, terms, restrictions, fees and conditions apply. Lending decisions and funding times are subject to system limitations. Some applications may require additional verification which can delay the lending decision.

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.

*Instant funding is not available for all debit cards and may be limited by system, bank restrictions, or eligibility. Additional conditions may apply. If approved after 7:30 PM CST (5:30 PM PST), or if your bank experiences delays—including weekends or holidays—funding may take longer.

View our Rates and Terms to view the APR in your State. 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 third-party collection agency. Late payments, missed payments, or other defaults may be reflected in your credit report. 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.

Accessibility Assistance: If you experience any difficulty using or accessing any part of this website, please feel free to call us at (888) 942-3320 or email us at customerservice@netpayadvance.com, and we will work with you to ensure that you have full access to the information in which you are interested and which is available to the public on our site.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington DC 20580.