Hablamos Espanol | 888-942-3320Online Personal Loans
Need help covering a surprise expense? Whether it's a car repair, medical bill, home repair, or something you didn't see coming, Net Pay Advance makes it easy to apply for a personal loan online.
Apply in minutes, get a quick decision, and find the loan that's right for your situation.
- No Collateral or Cosigner Required
- Get A Decision in Minutes
- No Hard Credit Check
- Same-Day Funding
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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 for a Personal Loan?
To apply, 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
Why Should I Get a Personal Loan?
A personal loan can give you flexibility when an expense shows up before you're ready for it.
Whether you need help covering a repair, an unexpected bill, or another important expense, a personal loan can help you move forward without putting your plans on hold.
Available Personal Loans
There are a variety of different types of unsecured personal loans available depending on what state you live in.
Payday Loan
Available in California
A short-term payday loan helps you cover urgent expenses until your next paycheck.
Learn MoreInstallment Loan
An installment loan lets you borrow funds and repay over time with fixed payments.
Learn MoreLine of Credit
Available in multiple states
A line of credit provides ongoing access to available funds up to your approved limit. Request funds when you need them and only pay interest on what you use.
Learn MoreNot every product is available in every state. Product availability and approval are subject to eligibility requirements and state regulations.
How to Get an Online Personal Loan
Step 1: Complete Your Application
Apply for a personal loan online just minutes from your phone, tablet, or computer.
Step 2: Receive a Quick Loan Decision
Once you submit your information, your application is evaluated and a decision is provided to you as quickly as possible. No hard credit check is required during the application process.
Step 3: Receive Your Funds
If approved, your personal loan funds can be sent directly to your bank account or eligible debit card. Many customers receive funding as soon as the same day, helping them cover unexpected expenses without waiting until payday.
Benefits of Personal Loans
A personal loan can help you take care of important expenses without putting your plans on hold. Whether you're dealing with an unexpected bill, a major repair, or a purchase you weren't prepared for, an unsecured personal loan gives you another way to move forward.
Use the Money Where You Need It Most
Unlike financing tied to a specific purchase, personal loan funds can be used for a wide range of expenses. From car repairs and medical bills to home improvements and everyday expenses, you decide how to use the money.
Get the Money When Timing Matters
Some expenses can't wait until next week or your next paycheck. A personal loan can help you cover a cost now instead of delaying a repair, missing a payment, or putting off something important.
Know What to Expect
Before accepting a loan, you'll be able to review important details such as payment amounts, payment dates, fees, and loan terms so you can make an informed decision.
No Collateral Required
You don't have to use your car, home, or other personal property to apply. Unsecured personal loans are available without requiring collateral.
Unsecured Personal Loans for Bad Credit
Life happens. Past credit challenges don't automatically prevent you from applying. Many factors other than just a credit score are evaluated during the application process. If you need an unsecured personal loan for bad credit, we may have just the option you need.
Why Millions of Customers Choose Net Pay Advance
When unexpected expenses arise, customers want a lender that's fast, convenient, and easy to work with. Here's why millions of customers have trusted Net Pay Advance:
More Than 3 Million Customers Served
Millions of customers have used Net Pay Advance to explore loan options for emergency expenses and short-term financial needs.
100% Online Application Proces
Apply from your phone, tablet, or computer in minutes. No need to visit a store.
Licensed and Transparent
We follow lending regulations designed to protect consumers and provide clear loan terms.
Responsive Customer Service
Get help from knowledgeable representatives who can answer questions about your application or account.
Convenient Online Account Access
Review account information, manage payments, and access important documents online.
Personal Loan Reviews
Read over 8,000 five-star reviews from satisfied customers.
Rates, Terms, and Licenses
For a complete list of our rates and terms -- including Annual Percentage Rate and length of loan -- visit our rates and terms page. You can also find information on states where we are licensed to serve.
Frequently Asked Questions about Personal Loans
How much can I borrow with a personal loan?
The exact amount you can borrow depends on your state, the loan product, and the results of the underwriting process. If approved, you can choose to borrow any amount up to your approved maximum. If you’d like to know your specific eligibility, you can start an application online and see your approved limit before finalizing your loan.
What can I use a personal loan for?
You can use a personal loan for a variety of things, like covering urgent expenses, handling surprise bills, covering medical costs, or bridging a temporary gap in your finances. Loan options are designed to give you quick access to funds, so you can address your immediate needs and stay in control of your financial future.
When is my personal loan due?
Your payment schedule is provided before you accept your loan. You'll know exactly when your payments are due, how much you'll owe, and when your loan will be paid off.
How fast will I get my money?
If approved, your funds may be sent as soon as the same day, depending on when your application is approved and your selected funding method. Timing can vary based on your bank or financial institution.
For more information on a specific loan type, please visit our full FAQ page.
See all FAQs