NetPayAdvance Review

We’ve all been there, the basement floods or the car breaks down, and suddenly you need extra money. You may need a pay advance. The Review will tell you if this short-term service can help you out.  

Even the best-laid plans can become useless when there is an emergency. With, you can get money deposited in your account as soon as the next business day. 

When you need a little extra to help you make ends meet, all you have to do is complete the application process and get approval instantly. They help customers in Kansas, Texas, and California with loans for $100 to $1,500.

Table of Contents

General Information About has been serving customers since 2007. Brian J. Staver started the company with the goal of helping people with their financial needs through technology. 

To achieve these goals, the company believes in three principles. Simple procedures, secure operations. and trusted staff. Being a fully online company, they had to instill trust in people, which has stayed a significant part of its plan. 

Today helps many customers when they needed a quick cash advance. The company has maintained a positive reputation by providing customers with prompt, friendly, and transparent services. 

They have turned into one of the fastest-growing paycheck advance companies online. They stay dedicated to the principles that got them, helping their customers get money quickly and safely.  

The Pros Of

  • Get Money By the Next Business Day 
  • You Get a Decisions Instantly 
  • Easy to Apply for a Loan 
  • Great Customer Service 
  • High-Level Security 

Get Money By the Next Business Day

One of the main reasons people come to a pay advance service is to get money quickly to help with an emergency. can have cash in your account by the next business day. You will have the funds swiftly enough to handle whatever problem you might be facing. 

In some cases, the money can come even sooner, but the next business day is more common. Knowing that you will get the cash you need quickly can help put your mind at ease. You will be able to make your payments and cover your expenses. 

You can get between $100 and $1,500 deposited in your bank account very quickly from the company. You can use this money on anything you need, and it will be available to you no later than one business day after you are approved. 

You Get a Decisions Instantly

You will know whether or not you got the money in less than 15 minutes. With that kind of response time, you will learn immediately if you qualify or not.  

The speed of the decision is perfect for helping you with an emergency or unforeseen bill. It allows you to know if can help you out or if you have to seek out other options to get the cash. 

Your credit score isn’t looked at when requesting the pay advance loan. So if you have bad credit or no credit at all, it will not affect the company’s decision. 

Once a decision is made, you will learn about the loan. At this time, you will be given all the information on the loan terms, the due dates for the money, and information about fees and penalties. You will want to review all of this before you agree to take the loan. 

Easy To Apply for Loans

To Apply for your loan, all you have to do is be a resident of California, Texas, or Kansas, have a banking account in your name that has been open for a month, and be over 18 years old. There is no credit check and no collateral necessary.

The application only takes about 15 minutes to complete. You can finish it on your computer, or you can download the company’s secure app and finish the processes. The questions are easy and straightforward, so you shouldn’t have to get a ton of paperwork to complete the application. 

When you apply, you may have to show that you have a job or some form of income like pension, retirement, or social security. 

Great Customer Service has an outstanding customer service team. They are available to help you via chat, phone, or email. They work during the regular business hours for your area, and they have people who speak English and Spanish. 

When you have a question or a concern, you can reach out to them, and they will help you find a satisfactory answer. You can see how dedicated the company is to customer service when you look at their review pages. They often respond and offer to reach out and fix problems. 

Most of the comments about the company’s customer service revolve around how helpful and professional they are. has a knowledgeable staff that tries to take care of problems before they become more significant. 

VIDEO: Net Pay Advance Customer Service

High-Level Security

Anytime you’re dealing with financial information, it is crucial that you feel safe and secure. To help you trust the system, uses the newest security software to keep your information safe. They ensure that they handle all your data properly. 

They also offer access to news and information about possible scams that are common in the lending world. They help you identify potential threats and frauds that could be trying to take advantage of you. They also offer tips and tricks to stay safe with money on the internet. 

Safety is a huge consideration when looking for a loan company, and knowing that looks after you and your information can be a real comfort.  

VIDEO: How Net Pay Advance Protects Your Security & Personal Data

The Cons Of

  • High-Interest Rates 
  • Works in Only Three States  
  • Limited Time to Pay Off Loan
  • Not a Viable Solution for Major Financial Needs

High-Interest Rates

There is no getting around it; the interest and fee rate of can be steep. Depending on the type of loan and where you live, you could be looking at significant charges. They can range from 15% to over 700% of the initial loan. 

When you consider a comparison to other pay advanced companies, you see that their rates are average for the type and length of the loans they offer. 

With these high rates, you must check your specific agreement before you sign. You don’t want to end up with a loan that is more than you will be able to pay off in the time frame. 

Late fees and other penalties can compound these high rates and make it even harder to pay off. You will want to take all of this into account when considering the loan. 

Works in Only Three States

As of right now, only works in three states, Texas, California, and Kansas. You can only get a loan from this company if you live in those three states. If you are outside of those states, you will have to look somewhere else for your loan.  

Even inside those states, loan rules change so much you will want to learn about your state’s laws in particular. The amount you can get and how much the company can charge you changes a lot between the states. is looking to expand their company, so they may eventually add more states, but as of right now, three states can be pretty limiting for many people looking for a short-term loan. 

Limited Time to Pay Off Loan

In some cases, the single-payment loans may only get you eight days to pay them off, with a fee and interest. 

In many cases, this is fine, you need a quick boost of cash to handle a problem, and now you pay it off, and you’re a little short next week. However, as we all know, sometimes problems can snowball. 

Though there are options to get some extensions on the payment, for the most part, you will use your next check to cover this loan. That can put you in a bad spot for your next set of bills, and you may need to borrow more money to help with that. 

It is helpful to remember the term of the loan to make the right decision when you are applying for it. 

It is also important to note that California puts its fees into the initial loan. This method means if you get approved for $300, you will only get $255 after the company’s fees.

Not a Viable Solution for Major Financial Needs is there for quick money when a significant emergency arrives. It is not intended to solve big financial problems or make huge purchases. When you use a short-term loan, you have to plan on paying it back in full very quickly. 

You can see this in the limited amount of funds you can apply to get. $100-$1,500 can be a lifesaver, but having to pay it back within 31 days can be challenging at times. 

If you need more money or a long time to pay it off, other financial options out there may be more practical for you to use. 

Overall Reputation & Reviews For

When you look for reviews online, you find that many customers have reviewed the company and the process. They have over 7,000 reviews on Trustpilot and an A+ with the Better Business Bureau

Overall they have a very positive reputation. ratings average over 4 stars on the most prominent review boards.  

When it comes to positives, customers point out how fast and efficient the service is. They also talk about how easy it was to apply. When users had to contact the company, they were pleased with how nice and professional the customer service reps responded. 

Even though the reviews are overwhelmingly positive, there have been a few complaints. Most of the complaints involve communication or documentation issues. It seems like there can be times when some people miss messages or documentation from the company. 

If you are looking for emergency cash, appears to be a safe and helpful option for a loan. They have a good reputation for being fast and reliable. 

Q&A For

There are often a lot of questions for a review. Here are some quick answers about the company’s service to help you understand the process better.

Which States Does Operate In?

NetPayAdvance can help you with your pay advance situations in three states. They offer some different services in each of these states. Their fees and rates can also change depending on the state. can help you in:

  • California
  • Kansas
  • Texas

Which Type Of Loans Does Offer? offers users two kinds of loans depending on their location. If you live in Texas, you can apply for a single-payment loan or an installment loan. If you are in California or Kansas, you can get a single-payment loan. 

The terms and conditions of these loans also vary between the states. For the single-pay loan in Texas, you can get up to $1,000. The loan plus fees or interest have to be paid back by your next pay period over the next 31 days. 

In Kansas, your single-pay loan can go up to $500 and must be paid by your next pay period in the next 30 days. 

In California, you can get a max of $300, and you must pay it by your next pay period during the next 31 days in a single payment.  

For the Texas installment loan, you can get up to $1,500, and you have up to 180 days to pay the loan back. With the installment loan, you can make multiple payments over three months so that you aren’t paying everything off with your next paycheck. 

You can choose which loan you are applying for and how much you need from the loan. You can get as little as $100 if you need a little money to make ends meet. is always looking to expand the ways they can help customers get extra funds. They may add or change these loans in the future. 

How Do I Qualify For Loans & Do They Require A Credit Check?

To Qualify for, you have to be at least 18 years old and reside in California, Texas, or Kansas. You must have a bank account in your name that has been open for more than 30 days. 

The application process does not require a credit check, and you won’t be asked to provide collateral. Your loan is not dependent on your credit score so that you can get approved with bad or invisible credit. 

You will likely have to prove that you have a job and get a regular paycheck to get approved for the loan. You can complete the whole application process in 15 minutes. Then will inform you of their decision in less than 15 minutes. The entire process only takes a half-hour.

If you are approved, you just have to sign for the money, and you can receive your loan in as little as one business day.  

To apply for a loan, you can fill out the information on, or you can download their helpful app from the App Store or Google Play Store. Beyond using the app to apply, you also can see your loan status and due dates. 

How Much Does Cost?

The fees, terms, and penalties are different in each state. They offer a full breakdown of costs on their website

In Kansas, you have to pay a fee of $15 for every $100. There is also a late fee of 3% per month late up to $15 a month. 

In California, you can get charged 15% up to $45. This amount is taken out at the front of the loan. If you are approved for $300, you receive $255. 

In Texas, you can get two different types of loans. is not a lender. Instead, they help you arrange a loan with a lender. This method means that they can’t give loan price specifics until you apply for your loan. 

On a single-pay loan, typically charges a one-time fee of 28%, and there is an interest fee of 10% to the lender. 

On an installment loan, you pay a flat fee to, and you pay interest on the loan. These fees can vary a lot, so you will have to check how much it will cost you with when you are looking for the money. 

If you join’s reward program, you can earn points towards discounts on your loans. You can save up to 20% on your loans. 


In this review, you learned how the company can help you gain extra money to help make ends meet. It is a valuable option when you need money fast and will be able to pay it off by your next payday. 

If you need $100-$1500 overnight, can help you out in as little as 30 minutes. The fees and penalties can sometimes be very high, which can be rough. 

When you need the money and time is of the essence, may be able to help you out of a jam.

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