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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's account


How to register an account

It is easy enough to create a Net Pay Advance account. To do this on the site's main page, click on the "Apply" button. Immediately after that, it will be necessary to fill out a form, where you must specify your name, surname, and email address. Then you will need to confirm the address by following the received link, and the account will be successfully created.

How to reset a password

Go to the top of the site and click where it says "Login." On the screen where you log in, there is a button labeled "Forgot your password?" Follow the on-screen instructions after clicking on it to receive an email with instructions on resetting your password. If you run into any issues, don't be afraid to get in touch with us to get assistance.

How to delete an account

You can terminate your account with Net Pay Advance by sending an email to the company. Include an explanation of why you want your data and account erased in the body of your email:

  • You are not required to submit a rationale for your request by GDPR or CCPA.

  • You will need to supply Net Pay Advance with all the pertinent information on your account.

  • Mention the Law under which you are requesting either the GDPR or the CCPA.

  • Notify Net Pay Advance of the penalty for failing to comply, which is a punishment of $7,500 under the CCPA and 4% of annual turnover under the GDPR.

  • Send the firm an email from your account.


Why do I need to add security questions to my account?

Net Pay Advance is improving account security to protect consumer data. For example, multi-factor authentication uses login codes and security questions. 

Why does the application say "user already exists" when I try to apply?

You are a prior Net Pay Advance client or applicant. Log in with your email and password to apply for a loan. If you forget your password, click "Forgot Password?" and follow the directions or call 888-942-3320. 

What is going on with my loan that needs verification?

Customer service reviews loan applications for verification. The business evaluates them swiftly and notifies you of changes. During business hours, call 888-942-3320. 

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

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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 October 2022
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