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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Net Pay Advance


About lender

Through Net Pay Advance, residents of Texas, Kansas, and California have access to installment loans and payday loans. You can repay these personal loans in more manageable chunks spaced out for six months. Whether you are looking for a line of credit, an installment loan, or a payday loan, Net Pay Advance can help.

Net Pay Advance was initially established in 2007 by the current president of the firm, Brian J. Staver. The financial services provider known as Net Pay Advance was based on employing technology in a manner that benefits other people. Net Pay Advance takes ‌precautions to ensure that all of your private information is kept secure at all times, allowing you to use our services with complete confidence.

Pros and cons


  • Local operations are conducted in the states of California and Texas. Having nothing to do with a tribe or independent nation.

  • Gives customers access to quick cash, ranging from $100 to $1,500.

  • A viable alternative if you have used up all of your other financing choices.


  • The rates of interest are relatively high: 391.07–664.29% APR.

  • Not a recommended option for making significant monetary investments.

Terms and conditions

In California, the amount borrowed, as well as the length of the loan, will determine the costs and fees that will apply to those transactions involving delayed deposits. Your loan will typically be due on your subsequent payday, which must be at least eight days away and cannot be over 31 days. However, if required, customers who use Net Pay Advance can push back their payment due date by up to three days from when it was initially scheduled. Short-term lenders can only provide you with one loan (up to $255) and can only charge you 17.65 percent of the total amount borrowed (up to $45) as a fee.

For Texas residents, the amount of the loan cost is going to be $15 for every $100 that is borrowed. In addition, if a payment made using ACH is declined for any reason, a fee of $15 may be assessed. In most cases, your loan repayment will need to be completed on your subsequent payday, which must be at least seven, but no more than thirty days away.

The interest rate applied to a line of credit loan in Kansas is determined by adding up the total amount of the natural daily balance accrued over the billing cycle and the division of the total by the number of days that comprise the billing cycle. Net Pay Advance will charge you interest on your account periodically by applying a regular daily rate of 0.986301 to the average daily amount of your account for each billing cycle. This interest charge will be for each periodic billing cycle. This results in an Annual Percentage Rate (APR) equal to 360 percent.

After each billing cycle, you are required to make a minimum payment equal to a minimum of 2.00 percent of the outstanding principal, besides any past due amount, applicable interest, and fees. To sums that are over one month past due, a late fee of up to $10 may be applied. There is no fee associated with making an early payout.

The duration of the loan is up to the borrower to decide. A matching amount of credit will become accessible simultaneously as the loan is paid back. Your paycheck schedule will determine the frequency of your payments for your line of credit, which might be bi-weekly, bi-monthly, or monthly.

Funding a loan

In California, Texas, and Kansas, Net Pay Advance operates as a direct lender and provides online payday loans with no credit check. Loans may be obtained the same day and have fast funding on the bank card. Net Pay Advance works Monday through Friday, 9:00 am to 8:00 pm (CT). On Saturday, the company works from 11:00 am to 3:00 pm (CT).



Where does Net Pay Advance offer personal loans?

Payday loans from Net Pay Advance are now available to residents of the states of California, Texas, and Kansas.

What type of loans are available from Net Pay Advance?

The rapid loans offered by the organization may be taken out in two different ways: a payday loan taken out online or an installment loan taken out online.

Is Net Pay Advance a state-licensed direct lender?

In California, Texas, and Kansas, Net Pay Advance operates as a direct lender and provides consumers access to online payday loans without conducting credit checks.

Company documents

Privacy Policies
SMS Short Code Terms of Service

We Provide Online Short-Term Loans. Helping residents of CA, TX, and KS make it to their next payday.

© Net Pay Advance

Calculate loan payments in Net Pay Advance

Net Pay Advance calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
1500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Net Pay Advance

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Net Pay Advance and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Net Pay Advance’s reviews by September 2022
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