Hablamos Espanol | 888-942-3320Online Line of Credit
An online line of credit gives you ongoing access to approved funds for whenever unexpected expenses come up. Plus, you only pay interest on what you borrow.
- Apply For Up to $3,000
- Get A Decision in Minutes
- Potential for Same-Day Funding
- No Hard Credit Check
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- 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 qualify fo our online line of credit, 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
How to Get an Online Line of Credit
Step 1: Complete Our Simple Online Application
Answer just a few questions, typically taking less than three minutes.
Step 2: Receive a Fast Decision
Your information is reviewed and you will receive a fast response (including a credit limit for those approved) in seconds. No hard credit check is required.
Step 3: Accept and Receive Your Funds
If approved, you decide how much you want to borrow and where you want the funds sent. Some customers can receive funding same day, and the majority see funds available in their checking account by the next business day.
What is an Online Line of Credit?
Best used for managing unpredictable, short-term expenses, an online line of credit gives you greater opportunity than a traditional payday loan.
You can borrow as much or as little as you want (up to your approved limit), only paying interest and fees on what you draw. Some uses for a line of credit can include, but are not limited to:
Required expenses like rent and housing.
Unexpected medical costs and car repairs.
Family essentials like groceries and utility bills
Why Choose Net Pay Advance
We’ve helped 3,000,000+ customers with the funds they need to stay on course. We can’t wait to help you next.
Licensed Direct Lender
As a state-licensed lender, we practice responsible lending and are committed to following rules that protect our customers.
Simple, Fully Online Experience
Our application is simple and secure. If approved, you can manage your account from any device, 24/7/365.
Line of Credit Customer Benefits
With a line of credit, you can borrow again and again up to your credit limit without having to reapply each time.
Support for Every Customer
Our loan experts – available by phone, text, or email – can help you understand our products and policies and answer any questions you may have about your account status.
Customers Enjoy Our Online Line of Credit
Thousands of customers have given feedback on TrustPilot and Google. Here’s what some of them have to say:
Rates & Terms
Click learn more for full details on our rates and terms, including Annual Percentage Rate and loan length.
Frequently Asked Questions
How Much Money Can I Get with an Online Line of Credit?
The maximum loan amount for Net Pay Advance’s line of credit varies by state regulations and individual/applicant information. To find out the exact maximum loan amount available to you, please ensure you’re in a state that offers line of credit products and use our rates and terms page or contact our customer support team for personalized assistance.
How Do I Use an Online Line of Credit?
Using your Net Pay Advance line of credit is simple. Once you are approved/issued a line of credit, you must provide a bank account where you want your “draws” (money for use) to be transferred to. Once your account is connected, you can log into your account and draw an amount of $50 up to your available credit limit. The funds should transfer and be available to you in your checking account by the next business day (if not sooner). Please note that time of funding to all accounts may be limited by system, bank restrictions, or eligibility. Additional factors including weekends or holidays may delay funding availability.
How Do I Manage Payments for My Online Line of Credit?
If approved for an online line of credit, part of your approval will be to verify/confirm your acceptance of our funds as well as terms and conditions, that include payment requirements. You can schedule payments and provide a form of payment within our online customer portal. Need additional options? Let our loan experts help you.
Do I need to fax or upload paystubs to apply?
Skip the paperwork and faxing entirely. Our secure online application automatically verifies your information, so the whole process is 100% paperless from your phone or desktop.