Hablamos Espanol | 888-942-3320Online Cash Advance
An online cash advance can get you the funds you need fast, without the long wait or hoops to jump through. Apply online and get a quick decision, so you're not left waiting when you need funds.
- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Potential for Same-Day Funding
We don't currently offer loans in your state—but we're working on it!
Get notified when we launch in .
- Simple, Secure Online Application
- Get A Decision in Minutes
- No Hard Credit Check
- Potential for Same-Day Funding
What Do I Need to Apply?
To be considered for a cash advance, you must:
Live in a state where we’re licensed to lend
Be at least 18 years old with valid ID
Have an active checking account in your name
What kind of cash advance can I get?
We offer 3 different fast and simple cash advances depending on your location.
Payday Loan
Available in California
A short-term loan to cover urgent expenses until your next paycheck.
Learn MoreLine of Credit
Available in multiple states
Ongoing access to approved funds to be taken and used when needed.
Learn MoreProduct availability limited by state. Approvals are subject to eligibility requirements and state regulations.
How to Get an Instant Cash Advance Online
Step 1: Complete Your Application
Fill out our secure online application in just a few minutes. It's quick, easy, and available whenever you need it.
Step 2: Receive a Fast Decision
Your information is reviewed and a decision is made quickly. No hard credit check is required during the application process.
Step 3: Receive Your Funds
If approved, funds may be deposited into your bank account or eligible debit card, and some new customers may receive funding the same day depending on eligibility and method.
What is an Online Cash Advance?
An online cash advance is a quick, simple way to borrow funds when you’re between paychecks and need money right away. Our cash advance application is completely online - so you can apply anytime, anywhere.
When urgent costs come up, an online cash advance can help you keep moving forward. Many of our customers use online cash advances for expenses like:
Cover everyday essentials like rent, utility bills, and groceries.
Handle emergencies like car repairs and surprise medical bills.
Get the funds you need to keep moving forward.
Why choose Net Pay Advance
When unexpected expenses can't wait, we make it simple to get the funds you need.
Licensed Direct Lender
We’re a state-licensed lender that follows regulations designed to help protect consumers and promote responsible lending practices.
Millions of Customers Served
We've helped more than 3 million customers explore solutions for short-term financial needs.
Simple Online Experience
Our application process is designed to be straightforward, secure, and easy to complete from any device.
Returning Customer Benefits
Our application process is designed to be straightforward, secure, and easy to complete from any device.
Reliable Customer Support
Our support team is available to help answer questions throughout the application and repayment process.
Our Cash Advance Gets Rave Reviews
Over 8,000 customers gave us 5 stars. Read what they said below.
Rates & Terms
Click learn more for full details on our rates and terms, including Annual Percentage Rate and loan length.
Frequently Asked Questions
Can I Get a Cash Advance with No Credit Check?
Yes, you can apply for a cash advance online with Net Pay Advance without a hard credit check. We use a soft credit inquiry during the application process, which does not impact your credit score. Approval is based on a variety of factors, not credit alone, and is not guaranteed.
How Much Money Can I Get with an Instant Cash Advance?
Loan amounts vary based on eligibility, income, state regulations, and other underwriting factors. Net Pay Advance offers access to different cash advance options, and approved customers may qualify for amounts that fit their financial situation. The best way to see your available amount is to complete our quick online application.
How Fast Can I Receive an Instant Cash Advance Online?
Many customers receive a fast decision within minutes after submitting their online application. If approved and eligible for instant funding, funds may be available the same day through a supported debit card. Otherwise, most customers receive funds by the next business day via ACH deposit. Timing can vary based on application details, bank processing times, and cutoff hours.
Do I need to fax or upload paystubs to apply?
In most cases, no paperwork or faxing is required. Our secure online application automatically verifies your details so you can complete the process 100% paperlessly from your phone or desktop.