Houston Payday Loan Alternative

Get fast Houston installment loans up to $1,200

What you need to apply

+18 years of age

Texas address

Active bank account

A reliable alternative to payday loans in Houston

When you need cash fast, payday loans may seem like the only choice. But installment loans are a flexible alternative. Get up to $1,200 and repay over time instead of all at once.

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Houston Installment Loans

Experience the convenience of installment loans. Access up to a $1,200 loan and pay it back over 6 months.

Installment Loan ‣

Stellar customer reviews

Read what over 8,000 satisfied customers say about Net Pay Advance.

“[You] can’t make it any easier. Thanks Net Pay Advance!”

— JD

“It was fast and easy as 1 2 3 for small loans I would do it again.”

— Mike

“The customer service at Net Pay Advance is amazing.”

— AS

“[You] can’t make it any easier. Thanks Net Pay Advance!”

— JD

“It was fast and easy as 1 2 3 for small loans I would do it again.”

— Mike

“The customer service at Net Pay Advance is amazing.”

— AS

Read More Reviews

See if you qualify for a fast online loan today*

Whether you’re searching for payday loans in Houston or simply need fast cash, our installment loan process is built to help. Good credit, bad credit, or no credit—there’s no hard credit check to apply. Unlike traditional payday loans, installment loans give you more time to repay and access to higher amounts. Apply online in minutes and get a quick decision. Fast, secure funds—right here in Space City.

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Get simple, trusted, and secure funds today

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Why work with Net Pay Advance for loans in Houston?

When you need cash today,* you want to work with a team you can trust. Net Pay Advance has been helping people for over 15 years. This isn’t our first rodeo. We adhere to strict local and national standards designed to protect you. Have peace of mind by partnering with Net Pay Advance for a cash advance online.

Installment loans in Houston

When life changes quickly in the Bayou City, you need flexible loan options. Net Pay Advance helps people access Texas installment loans with same-day* funding options when they need cash today. An installment loan allows you to borrow up to $1,200 and make payments over a 6-month period. Net Pay Advance is here to help from start to finish. It’s as simple as that.

A text conversations that reads, 'Heard about your car. If you need money I recommend Net Pay Advance', 'Car Repair', ' But I need more than a couple hundred bucks', 'They helped me get a same-day* personal loan up to $1,200!', ' NICE! I'm checking them out now!'

Office of Consumer Credit Commissioner

2601 North Lamar Boulevard Austin, Texas 78705-4207

Call Consumer Credit Hotline

Texas rates & terms

The loan agreement is governed by the applicable laws of the state of Texas. An advance of money obtained through a short-term loan or auto title loan is not intended to meet long-term financial needs. A short-term loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. This business is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems.

How to use your online loan in Houston, Texas

Online loans can become costly when used excessively, so it’s important to follow best practices to save money. Consider these tips: apply only for the amount needed, make payments as soon as possible, and choose a trustworthy team to work with like Net Pay Advance.

Net Pay Advance benefits

No hard credit check

Free due date extensions

Friendly customer service

Same-day* funding option

No hard credit check

Free due date extensions

Friendly customer service

Same-day* funding option

Frequently Asked Questions

Where can I get a payday loan in Houston, TX?

Instead of payday loans, try a smart alternative. Net Pay Advance connects Houston residents to installment loans up to $1,200 with flexible repayment terms and no hard credit check.

How is an installment loan better than a payday loan?

Installment loans provide more time to repay and typically offer higher loan amounts. You pay in multiple installments instead of one lump sum.

Do payday loans online have instant approval?

Online loans often feature instant decisions, rather than instant approvals. While no legitimate lender can guarantee “instant approval” loans, many provide quick decisions to help borrowers move forward. At Net Pay Advance, the process is designed to be efficient, with same-day* or next-day funding available.

Where can I borrow money immediately?

As you hurry to make it to the Astros game and need fast cash today, look to an online loan with instant, same-day* funding. At Net Pay Advance, we facilitate access to same-day* loans and next-business-day loans through an unaffiliated third-party lender.* See why over 8,000 customers reviews recommend our services!

How do I get a small personal loan online?

To find a small personal loan online, fill out an application and see if you qualify. Apply and receive a fast decision at Net Pay Advance. If approved, you can get instant same-day* loans or next-day funding. You can do this all on your way to the Astros game.

What is the most reliable payday loan?

Net Pay Advance facilitates access to reliable short-term loans. A quick application and easy process helps you get the funds you need with peace of mind. We’re here to help hardworking individuals bridge financial gaps with ease and confidence.

Where can I get a payday loan with no credit check?

Net Pay Advance helps individuals access short-term loans without a traditional credit check, making it easier for individuals with less-than-perfect credit to access funds. With a soft credit check, our straightforward application process ensures you get the help you need quickly, often with same-day* or next-day funding.