NorthWestern Financial Review

Net Pay Advance

Net Pay Advance, Inc Overall rating: ★★★★☆ 4.4 based on 7 reviews.
5 1
Leave a Review

Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

Net Pay Advance a state-licensed direct lender in California and Kansas. It is a loan referral platform that partners with licensed lenders to facilitate the loan application process. Net Pay Advance is part of the Financial Transaction Processing Industry and has 4 total employees across all of its locations. The business is headquartered in Wichita, KS, United States.

Company name Net Pay Advance, Inc.
Founded 2017
Address 6820 W Central Ave Wichita, KS 67212
Phone number

Net Pay Advance site


  • Compare offers from multiple lenders
  • Online application
  • Offers access to fast cash, from $100 up to $1,500
  • No credit check
  • Positive user reviews
  • Funding within 24 hours
  • Good customer support
  • Free three-day due date extensions


  • Not a direct lender
  • Not a good solution for large financial purchases
  • Available to California and Texas residents only
  • Interest rates are fairly high – 391.07% – 664.29% APR

Bottom line

Net Pay Advance is a bad credit lender that charges high interest and offers limited loan amounts. Another downside that the lender operates only in Texas and California. If you live in one of these states and need help paying for a minor car repair, the company might be a good option. However, you should only use this lender as a last resort.

Types of loans

Net Pay Advance offers 2 types of loans:

  1. Single pay loans. They are very similar to payday loans. You are expected to pay off such a loan in one lump sum, typically on the day you get your next paycheck;
  2. Installment loans. They are paid off in several equal installments over a few months. This option is usually better for most borrowers.

Depending on the loan type, you can borrow between $100 and $1,500.  APRs range between 391.07% and 664.29%.

Eligibility criteria

In order to qualify for a Net Pay Advance loan, you must meet the following requirements:

  1. Live in California or Texas;
  2. Be 18 years old or over;
  3. Have a valid email address and phone number;
  4. Have an active bank account in your name that’s been open for at least 30 days.

Category: Online Loans

Tags: California, Texas

Posted by

Net Pay Advance, Inc Reviews

Easy to apply! The money was deposited into my account the next day! Will use them again when needed.
- Katie Cormier

Quick and easy to apply and get cash. Rates are decent if you make payments on time. Highly recommended service.
- Jeffery Wright

Net Pay Advance was there when I needed a little help with paying an unexpected bill. It was easy to get a loan.
- Andrea Shar

1 star because I am getting offers to borrow to pay off credit card debt. Sick and tired of it!
- Robert Elliott

Always easy to use! And quick funding!
- Michael Alvarez

It’s been very easy to work with them. I have already taken 3 payday loans. The process was smooth. Great lender.
- Harvey Crawley

Customer service is great. They are friendly, understanding and fast. I recommend this company to everyone who needs a little financial help.
- Brenda Davis

Feedback Form

Review Content