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NetCredit Reviews

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Edited by: Ilana Hamilton
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About NetCredit

Incorporated in 2012, NetCredit is an online lender specializing in personal loans and lines of credit for up to $10,000. As of publishing, NetCredit serves customers in 38 U.S. states, although available credit products, annual percentage rates (APRs) and loan amounts vary by location. All personal loans are unsecured and can be used for any purpose. Approved applicants may receive their funds in one business day or less.

Visit www.netcredit.com
Pros
  • Fast funding
  • Flexible credit requirements
Cons
  • High APRs
  • Not available in all states

Helpful Reviews

Charlotte, NC
Verified purchase
Everything was so fast and easy. My only complaint is that there was money taken out upfront and when I called to ask there isn’t a way to speak to someone directly. Luckily the p...

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Little Rock, AR
Verified purchase
I had an excellent experience with NetCredit from start to finish. The approval process was extremely fast, and the funds were deposited into my account shortly after, right when ...

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What is NetCredit?

Chicago-based NetCredit offers personal loans and lines of credit together with its lending partners. The company has provided fast funding with flexible terms since 2012. NetCredit’s services are tailored toward customers who need funds quickly but don’t meet the borrowing criteria of other lenders or for financing options like credit cards.

NetCredit is a subsidiary of Enova (ENVA), a publicly traded financial services company that has provided over $70 billion in loans and financing to nearly 15 million customers, many of whom have struggled to qualify for credit through traditional banks.

Along with its credit products, NetCredit also offers budgeting tools and other personal finance education resources to help you work toward optimum financial health.

NetCredit loan products

NetCredit loans can be used for any purpose, ranging from a medical emergency to debt consolidation to car repairs. You will need to check the specific details for your state to know how much you can borrow and for how long.

Personal loans

Most NetCredit customers have access to loan amounts ranging from $1,000 to $10,000 and term lengths of 12 to 60 months, depending on their eligibility and local regulations. However, these details can vary in some states. For example, borrowers in Wisconsin can take out loans for six- to 36-month terms, and those in Utah have terms of six to 60 months available. For Georgia residents, the minimum loan amount goes up to $3,100.

Lines of credit

Lines of credit of up to $4,500 are available in many states. A line of credit works similarly to a credit card because the option to use the money is always there, but you will only repay the amount of credit you use. For example, you might have a $4,500 credit line with NetCredit, but if you only borrow $400 of it, that is what you will need to repay.

You can request a cash advance from your available credit at any time as long as your account is current. Each request comes with a 10% cash advance fee. You’ll also pay a statement balance fee each billing cycle; the amount of this fee varies based on your current cash advance balance, so keeping your balance low can save you money.

NetCredit offers certain perks to its line of credit customers. Its Fee Saver program reduces your cash advance fee by 1.25% every time you pay your minimum balance on time for six months in a row, and the Skip-a-Pay reward lets you skip one minimum payment after each six-month string of on-time payments.

NetCredit loan requirements

NetCredit’s lending requirements are less stringent than many other lenders. You must:

  • Be at least 18 years old
  • Have a valid personal checking account
  • Have an active email address
  • Have a verifiable source of income

NetCredit does not set a specific minimum credit score or income level. Instead, it looks at these factors as part of a holistic financial picture. If you meet its four stated criteria, there is a good chance you will qualify for a loan. That said, the APR, loan amount and loan term available to you may vary based on your credit history and current financial standing.

NetCredit rates

APRs for NetCredit personal loans are state-based. For most states the range is from 34% or 34.99% to 99.99%, but as of publishing there are a few exceptions:

  • Residents of Georgia can receive rates from 34% to 59.99%.
  • Illinois, New Mexico, North Dakota and South Dakota — four states that have passed legislation strictly limiting APRs on high-interest loans — have the narrowest APR range, with all borrowers receiving rates from 34% to 36%.

NetCredit fees

Although its finance charges are higher than many other lenders, NetCredit’s personal loans come with no origination fees, application fees, late fees or insufficient funds fees. This streamlined structure can make it easier for individuals with damaged or insufficient credit to begin building or rebuilding their credit. Additionally, since the company also doesn’t charge a prepayment penalty, borrowers can choose to repay their loans faster to save on interest.

Lines of credit come with a 10% cash advance fee for each request, and there may be a statement balance fee based on your cash advance balance at the end of the billing cycle.

How to apply for a NetCredit loan

Personal loans from NetCredit are available in 36 states. They are not an option for those who live in Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New York, North Carolina, Oregon, Pennsylvania, Vermont, Washington, West Virginia, Washington, D.C., or any U.S. territories.

Borrowers need to be at least 18 years old with a valid checking account, email address and source of verifiable income. The whole process takes a few minutes.

  1. Start by checking your eligibility online.
  2. You should receive your offer shortly after, then you can review it and decide if you want to accept or decline.
  3. Once you accept your offer, your funds should be in your account by the next business day, sometimes sooner.

NetCredit FAQ

Can I get a NetCredit loan if I have bad credit?

It is possible to get a NetCredit loan if your credit score is less than ideal because it looks at a combination of factors to determine loan eligibility. You can check if you are eligible for a loan without hurting your credit.

Will applying for a NetCredit loan affect my credit score?

Applying for a NetCredit loan will not initially affect your credit score. NetCredit performs a soft credit check during the prequalification period. It does not initiate a hard credit inquiry until you formally submit an application. NetCredit reports all payments (or non-payments) to the credit bureaus, so it’s important to pay your loan on time to avoid damage to your credit score.

Can I have a co-signer for a NetCredit loan?

No, NetCredit does not allow co-signers.

Where is NetCredit available?

For personal loans, NetCredit is available in:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin
  • Wyoming

Lines of credit are available in Iowa and North Carolina, as well as in all the above-listed states except:

  • Arkansas
  • Georgia
  • New Mexico
  • North Dakota
  • South Dakota

Still have questions?

Is NetCredit legit?

Yes, NetCredit is a legitimate company that has been in business since 2012. It partners with secure banks, including Republic Bank & Trust Company, Transportation Alliance Bank and Quill Bank, to offer its products and services to customers in 38 states.

As a NetCredit customer, you can receive funds quickly, but you should be prepared to pay a high rate. AnnMarie, a reviewer from Rhode Island, received a loan with a 64% interest rate but had her money within 17 hours of applying.

NetCredit Reviews

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    How do I know I can trust these reviews about NetCredit?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServicePunctuality & SpeedHonesty & Transparency

    Reviewed Sept. 4, 2026

    It was a pleasure working with Net credit. This was the first time I worked with them and I found that their system was a breeze to use. I was always kept well informed with each email we exchanged. There were no hidden fees or unexpected extras. Everything was written out and sent to me so I could read and sign at my own pace. It was quick and painless process. I look forward to working them in the future if the need ever arises. I would definitely recommend them to friends and family. J

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      Verified purchase
      Punctuality & SpeedLoan Process

      Reviewed Aug. 9, 2026

      It was early in the morning. Very stressed. I told the Lord, I needed a miracle. I saw Net Credit.Com on a commercial. First time I had seen it. I felt that God was telling me, there's your answer. I'm not very smart on computers. But, I grabbed my coffee and said, ok, I can do this. And I did it. I got the loan I seriously needed. I was so proud of myself. I a totally did it by myself. I praise God for this Miracle. And, I thank Net Credit for trusting me. I won't let let them down. Thank you for being there for me.

      Cecilia

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      Verified purchase
      Punctuality & SpeedStaffBillingEase of Use

      Reviewed Aug. 1, 2026

      My experience with NetCredit has been very positive. The application process is simple and straightforward. After the credit check, you enter your eligible bank account information for direct deposit and automatic repayments. The funds are deposited into your account very quickly, and the scheduled payment is automatically withdrawn on the due date, making the process convenient and hassle free. One of the biggest advantages is that responsible repayment can help improve your credit score. It also provides quick access to cash when you need it most, which can be a huge help during unexpected financial situations. Overall, NetCredit is fast, convenient, and easy to use. If you need access to funds and can manage the repayments responsibly, they can be a reliable option.

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      Verified purchase
      Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed July 29, 2026

      Hello, I was sitting in the dentist office, a new dentist, first time there. I was just googling everything! I came across NetCredit. I had no idea what it was. But something struck my eye, so I started reading it. I believe the first thing was lines of credit. So having no dental insurance, and being on Medicare, it said something like lines of credit fast. Flexible, etc. Needless to say I needed the money for the dentist. I had already paid him $1500. So I was still waiting to go back and, and the girls and manager at this office are fantastic, I decided to fill the application out. It’s said up to $10,000. So I applied for $4000.

      Next thing you know, congratulations. You’ve been approved for $3300. So, being that it is a line of credit, all I had to do was wait for the money to get in my checking account. I still couldn’t believe it so I called NetCredit, and spoke to Carrie there. A fantastic, personable, knowledgeable, girl who assured me that the funds would be in my checking account by the end of the day.

      The support team at NetCredit is perfect. There is always someone answering the phone, and everything is Easy. I couldn’t believe it.. Not even an hour later, I called my bank and my checking account had the money in there. I was so happy. Two hours later, the dentist office calls, and says my next appointment is for Monday, August 3. And she says, here’s what your payment will be. I was upset, but that’s what I got the money for when I signed up for NetCredit. So much, thanks to NetCredit, for my approval. And that’s why I have titled my review, Money, Quick and Easy!

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      Verified purchase
      CoverageSales & MarketingPriceRefunds & PayoutsMaintenanceStaffBillingHonesty & Transparency

      Reviewed July 18, 2026

      Netcredit honestly saved me from financial debt I ran into not being to cover my everyday bills and some of my mortgage. I was very skeptical at first with even giving them my information because of scams but I let go of fear and took a leap of faith and I'm so glad I did. I got the amount I needed to pay my bills and a little extra just in case funds to put aside. This would be my first official time using them so I haven't made a payment as of yet but with how they break it down for you it's worth it!!!! I took a line of credit in case I ever need it again. As I pay it down the more money goes back into my account. So if you're on the fence like I was but are really in need of some type of funds immediately then go for it!!!! BTW the my funds were deposited into my bank account just like promised on their site. I hope this helps someone scared to do it!

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 27, 2026

      Professional, straightforward and fast. Had my money immediately.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 27, 2026

      The service I received from net credit was outstanding from applying for the credit and receiving the line of credit. A team member with net credit even called me to verify my identity to make sure the process was safe. I appreciated that extra step. It showed me that they care about my identity and they care about providing me with excellent service.. I will definitely recommend to others.

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      Verified purchase
      Staff

      Reviewed Sept. 26, 2026

      The problem was easy and the representative took the time to walk me through the process. She was very patient.

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      Verified purchase
      StaffLoan ProcessHonesty & Transparency

      Reviewed Sept. 26, 2026

      Honestly, I understand you have to provide verifiable information when applying for lines of credit and/or loans and I was really skeptical about giving out my personal and banking information but to get the approval letter was a sigh of relief and helped me out in a real time of need. I have already referred my family and friends to apply.

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      Verified purchase
      Punctuality & SpeedLoan ProcessRatesTransparency

      Reviewed Sept. 25, 2026

      They gave me fast funding after reviewing my account with Plaid. Was able to get direct deposit the next morning. Not the best loan terms but you can’t complain about that. Pay it back, get a better rate, get better rates and access to the money you need. You can even repay it back early. I suggest to do so. Fast. Reliable. Transparent.

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      Verified purchase

      Reviewed Sept. 25, 2026

      Everything went so nice and smooth. Thank you for allowing me this opportunity.

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      Verified purchase
      Punctuality & SpeedBillingLoan ProcessTimeliness

      Reviewed Sept. 24, 2026

      Great!! Needed cash for a few late bills and received the loan later on that same day. Thank you so much. What a life saver!

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Sept. 24, 2026

      Great customer service. Very quick. You've made my life a lot easier.

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      Verified purchase
      Staff

      Reviewed Sept. 23, 2026

      Great experience, professional agents. I will work again with Netcredit.

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      Verified purchase
      Staff

      Reviewed Sept. 23, 2026

      Truly an amazing experience! I want to thank NetCredit dearly for helping me out during a personal emergency where most lenders denied me, NetCredit came through for me and save the day!!!

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      Verified purchase
      Staff

      Reviewed Sept. 23, 2026

      Outstanding turnaround. Made the process easy. It will greatly help out with debt consolidation.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 23, 2026

      Excellent service and very fast. 👍 Excellent service and very fast. I highly recommend them to everyone. Very good service! ⭐⭐⭐⭐⭐

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 23, 2026

      A company that understands your need. Easy process and fast approval.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Sept. 23, 2026

      So far so good. Easy access and prompt response from this site.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 23, 2026

      It was easy to go online and complete a application, when I needed help the representative where able to walk me through it and help me get my application completed before my cut off date of info. Very friendly and communication was on point.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 23, 2026

      I was amazed at how fast and easy this process was.

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      Verified purchase
      StaffBilling

      Reviewed Sept. 22, 2026

      It was a quite a pleasant experience for me, easier than I thought it would be. And I highly recommend it to anyone that needs help at the point. In time payment options, it's easy. I am manageable for my lifestyle. And I like the fact that I could have cash available when I need it

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      Verified purchase
      Punctuality & Speed

      Reviewed Sept. 22, 2026

      Great experience! This is the second time I use them and they are fast with their approvals and depositing the money.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Sept. 22, 2026

      They were quick, fast, and received great communication.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Sept. 22, 2026

      Prompt Response for the funds I received. Would recommend this company to family and friends.

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      Verified purchase
      Punctuality & Speed

      Reviewed Sept. 21, 2026

      The process was easy and fast. Was skeptical at first, but....I am glad.

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      Verified purchase
      Punctuality & Speed

      Reviewed Sept. 21, 2026

      It was such a easy and quick process. Highly recommend.

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      Verified purchase
      Staff

      Reviewed Sept. 21, 2026

      I am pleased with the outcome of this app! I filled it out and was approved immediately. Thank you Net Credit for all of your help during this difficult time.

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      Verified purchase
      Punctuality & Speed

      Reviewed Sept. 21, 2026

      Netcredit was quick and simple. Funding was quick, and they gave me the approval I needed in order to start rebuilding my credit.

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      Verified purchase
      Billing

      Reviewed Sept. 21, 2026

      Thank you very much in these trying times. I can catch up on some bills.

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      Verified purchase

      Reviewed Sept. 21, 2026

      It was a very easy process and was easier than I thought.

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      Verified purchase
      Punctuality & SpeedLoan Process

      Reviewed Sept. 20, 2026

      Loan application approval very fast and genuine. I recommend those who are in need. Thank you.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Sept. 20, 2026

      The process was easy and fast. Their customer service is great!

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      Verified purchase
      Staff

      Reviewed Sept. 19, 2026

      Absolutely Amazing...Gave me the Amount I needed and the Representative was the best.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 19, 2026

      Great customer service. Answered all my questions very clearly with attention and care. Everyone was happy to help.! Very fast lending.

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      Verified purchase
      Loan ProcessRates

      Reviewed Sept. 19, 2026

      Was an easy process, was able to get the amount I needed, the interest rate was high, but not many companies were willing to loan me.

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      Verified purchase

      Reviewed Sept. 18, 2026

      Using your site was a little difficult for me. I had to keep uploading items over and over which delayed my process a bit but everything worked out great.

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      Verified purchase
      TechStaff

      Reviewed Sept. 18, 2026

      Lending team was great! They were patient, understanding. Very clear on how the contracts work. Thank you.

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      Verified purchase
      Punctuality & SpeedLoan ProcessRates

      Reviewed Sept. 18, 2026

      The process of obtaining the loan is fairly easy and quick. But the interest is outrageous.

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      Verified purchase
      Punctuality & SpeedTimeliness

      Reviewed Sept. 17, 2026

      Fast & easy application process, funds deposited on the same day

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      NetCredit Company Information

      Social media:
      Company Name:
      NetCredit
      Year Founded:
      2012
      Address:
      175 W. Jackson Blvd., Ste. 1000
      City:
      Chicago
      State/Province:
      IL
      Postal Code:
      60604
      Country:
      United States
      Website:
      www.netcredit.com