Lender · complaint record
Net Pay Advance complaints
Filed under Net Pay Advance, Inc.
Consumers have filed 91 complaints about Net Pay Advance since 2016, 30 of them in the last 12 months (+7% on the year before). It answered 100% on time and closed 10% with relief for the customer - more often than a typical lender. The most common problem is received a loan you didn't apply for.
Strong response record. How it works
- Complaints on record
- 91
- Last 12 months
- 30
- Answered on time
- 100%
- Closed with relief
- 10%
- Last 30 days
- 1
- Rank
- #60 of 272
Since September 2016
+7% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Oct 19, 2026
Most complained-about personal & payday lenders
Net Pay Advance complaints by month
The busiest month was January 2026 (5 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Net Pay Advance answered last 12 months
- Closed with monetary relief310%
- Closed with explanation2790%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers35/4010% closed with relief
- Complaint trend9/15+7% vs last year
What Net Pay Advance complaints are about
Top Net Pay Advance problems
Where Net Pay Advance complaints come from
Most complaints: Texas (30), California (28), Kansas (7), Missouri (6), Louisiana (5).
Net Pay Advance compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Home Loan CenterPayday & personal loans | 60 | 34 | C |
| 2 | HatfieldPayday & personal loans | 60 | 32 | C |
| 3 | Big Picture LoansPayday & personal loans | 41 | 31 | D |
| 4 | Giggle FinancePayday & personal loans | 15 | 30 | F |
| 5 | Net Pay AdvancePayday & personal loans | 89 | 30 | A |
| 6 | SoLo FundsPayday & personal loans | 27 | 29 | F |
| 7 | AAA Auto Title LoansPayday & personal loans | 77 | 29 | B |
| 8 | PowerpayPayday & personal loans | 55 | 26 | C |
Compare side by side: Net Pay Advance vs Home Loan Center · Net Pay Advance vs Hatfield · Net Pay Advance vs Big Picture Loans · Net Pay Advance vs Giggle Finance
What people say about Net Pay Advance
All experiencesNo experiences with Net Pay Advance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Net Pay Advance complaints
Full logQuestions about Net Pay Advance
How many complaints does Net Pay Advance have?
Net Pay Advance has 91 complaints on record since September 2016, including 30 in the last 12 months and 1 in the last 30 days. That makes it number 885 of every company by complaints this year.
Does Net Pay Advance respond to complaints?
Yes. Net Pay Advance answered 100% of its complaints on time (within 15 days) and closed 10% with relief - money back or a fix; 10% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 89/100 (grade A).
What do people complain about most with Net Pay Advance?
The most common problems are received a loan you didn't apply for (15), charged fees or interest you didn't expect (12), struggling to pay your loan (6).
Is Net Pay Advance legit?
Net Pay Advance is a real company with a public complaint record: consumers have complained about it 91 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Net Pay Advance legit? for the signals, red flags and how to protect yourself.
Are complaints about Net Pay Advance going up or down?
Roughly level. There were 30 complaints in the last 12 months against 28 in the 12 before (+7%). See every month.
How do I file a complaint against Net Pay Advance?
Complain to Net Pay Advance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Net Pay Advance complaints come from?
Most come from Texas (30), California (28), Kansas (7). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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