NetCreditConsumerAffairs Accredited Brand
NetCredit provides personal loans up to $10,000 to customers throughout the United States. We believe that your credit eligibility should be determined by looking at your broad financial picture — not just your credit score. Our online application is straightforward and simple, and funding can occur as soon as the next business day.
Our personal installment loans come with no application, origination or prepayment fees, and can be repaid in fixed installment payments over time — with timely repayments helping to build your credit score. If you need a more personal personal loan from a company that views you as more than just a credit score, apply with NetCredit today.
I needed money to move and pay a couple of bills off. NetCredit was fast and very easy to use. The staff are very friendly, informative and try to answer every question as soon as possible. I would definitely recommend them to anyone who needs money for any certain reason. I have used other companies in the past and NetCredit is the best of them all.
I pulled a loan of 2700 dollars in January to catch up on my rent knowing come February I would have my bonus in full, well the day I called in to make payment for the loan, the rep Larry told me everything was fine and my payment was posted and said we were good to go. I went on with my life and didn't think anything of it. It's now April, my secondary account has been hit with 3 payments which have resulted in $500.00 and overdraft fees, now my secondary account normally has small amounts deposited, and we do not use the account only for business purchases, this is why I wasn't aware the weekly payments were being withdrew. I contested the amounts under the impression NetCredit was paid with my bank, and then spoke to my NetCredit to hear them tell me they showed the payment posted, but never funded due to my bank rejecting the transaction.
I then contacted my bank and they show no record of NetCredit posting any form of withdrawal or rejection on their end. Now I am stuck trying to get the money to pay off NetCredit and am being charged interest daily. NetCredit states they followed up 2 days after to let me know that the bank rejected payment, I have no message or call from them on my phone log. They also never followed up with an email, or a letter via mail to notify me. This to me is a scam to get you to make payments and pay the interest for their loans to make more money. Advice, stay away from this company.
Everything about service as good. No complaints. The rep was very helpful and we got everything done easily. Our questions were answered and we were very pleased with the help we received. We would recommend service to anyone have problems getting a loan.
My modest loan app was denied in mere seconds, and the worthless website stated as the reason: “could not be verified.” What the heck does THAT mean? Something must be terribly wrong with their automation software that checks for verification. If nothing else, provide a mechanism to verify verbally whatever info they think didn’t validate. How incredibly stupid to quickly deny a loan application for this reason. Are they not on the business to make loans, and generate revenue off the finance charges?
This company preys on the desperate and will trap you in a never-ending cycle of debt. It's fast and easy, and they'll give money to almost anyone. That's the trap. This company is predatory, plain and simple. They charge exorbitant interest rates in order to keep you in their debt for as long as possible. A $2800 loan is going to cost me over $8600 when all is said and done. I understand wanting to make a profit, but this is sickening and should be illegal. I was told by a slightly less more reputable lender that those companies are often on Indian reservations because they don't have to abide by our laws governing or outlawing such tactics. If you're thinking of borrowing money from this company, DON'T. Don't make the same mistake I did.
Great service, professional, easy application. No added wait. The process was easy, simple and not complicated. I would recommend this to anyone who needs a fast and efficient way to get money. Highly recommend. Great customer service, follow up with a call.
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I was very pleased. I plan to repay as quickly as possible to save some interest. I was skeptical at first but my fears were put to rest. The experience has enabled me to bring my finances current which is a big relief.
The loan process was quick and easy. I have made my first couple of payments and everything is going smoothly. I would definitely recommend them to a friend. The interest is a little high but this expected because I am reestablishing my credit.
First of all, don't do it no matter what!!! When applying for the loan my credit score wasn't necessarily that bad. It was maybe between a 630-650. I didn't really need the $5,000 at that time, I needed it but it wasn't an emergency. And, if I had known what I was actually signing up for, I would of found any way possible to find my way around this. Over the phone I was told I was getting a 5% interest rate repeatedly & being rushed into locking in this rate. First, I would like to state my husband at the time was supposed to be getting his Workers' Comp Settlement finalized & we had every intentions of paying this back within a month. So 5% seemed great, & it's clearly my fault for not reading the full disclosure. Of course My husband's Workers' Comp Settlement ended up being $10,000 less than expected. And, of course the loan took a back seat at the time.
Now, while trying to pay down debt, raise my credit score, & figure out where to start almost a year later? I've realized paying $139.55 bi-weekly. 21 on time payments & that it basically breaks down to $280 a month that I've paid $2,940 on a $5,210 loan and I've only paid off around $225.45??? So, I still owe $4,988.44 after 21 payments of $139.55. Looking up the actual Contract term of my loan, taken out on April 3rd, 2017 & being paid off July 23, 2021. It's at 64.75% APR making this loan if not paid off anytime before the actual terms. A grand total of $15,627.07. WTF??? If I had even heard a 20-35% APR I Would of hung up on them immediately. They, can charge up to 100% APR so am I lucky, it's only 64.75%???
Trying to figure out a way to come up with $5,000 to pay this off ASAP while it continues to drain every paycheck I get! Predatory Lending at its best & How in the World is this even legal? Someone, needs to put a stop to this... Trying to contact my State Representative, like it would do any good? Lol. I'm absolutely floored by my stupidity, & pray that someone reads this before they get themselves into the mess I've gotten myself into!
GREAT Customer Service! I would recommend to friends and family. NetCredit deposit the funds into my account very shortly after I was approved. It was a good feeling to pay all my outstanding debt in full, no more harassing phone call from debt collector. This was one of the best decision I have ever made.
As a single mother it's not always to find help when you need it. I had multiple medical bills piling up from an emergency surgery. Net Credit helped me to consolidate into one payment which made it easier on my budget. The process was fast & simple.
Every time I have correspondence with Net Credit everyone is very pleasant and very helpful. Would refer anyone to net credit. Interest rate is high but in times of need it's worth it. It’s a pleasure to deal with Net Credit.
Once I applied, my loan was approved very quickly and my money was direct deposited immediately. Payments are easy because they are auto debited - so you never miss a payment date. They were there when my family needed the help. Thanks!!!
Great resource when you need money. Nothing to have any worries over. Quick response time with direct deposit and very friendly staff. If I need money again I will use them without hesitation. Great experience! A truly professional experience from beginning to end.
You guys are great. Very easy to talk with and getting information to me about things going on. Im going to tell all my friends that need cash. Thank you once again for the fast and amazing customer service, fast email response and even when a problem came up you let me know asap.
Fast and easy very helpful. Anyone can use the easy online application they deposits in your 48 hours. Love it would definitely recommend to anyone in emergency. They are way better than all the other loan companies out there. Thank you NetCredit for being there when I needed you.
Very timely and professional. Answered all my questions in a simple manner. Hope to do a consolidation loan in the future. Very good web site easy to follow. Also I received my answer in a timely manner. My funds were in my bank account the next day.
When all others failed to approve me for a loan due to bad credit, NetCredit was able to come to the rescue. They were swift, able to help fast and no questions asked besides the standard paperwork. I understand the rates that accompany the loan is rather high, but I would take the high interest rates over no money available. I appreciate the service very much and hope to finish repaying my loan sooner, rather than later.
My request was approved quickly after a brief confirmation from one of your customer service rep per phone call. This was on a Thursday, received my request via direct deposit on Monday. I was so surprised... will do business with this company in the future if the need occurs again. GREAT SERVICE and much appreciated.
Good first experience. The process was amazingly brief and simple. All questions were direct and easily understood, I didn't feel like I was being treated unfairly or being demeaned. Can I refinance now? I would like to have additional funds available.
Quick and easy, customer help was great, would recommend to friends. It was easy to go online and check the status and follow the progress of the loan. The money was in my account in no time at all once the paperwork was complete.
Easy to apply. Super fast funding. Love it! Recommend to my family and friends. Applied for loan and funded the next day. Easy to refinance when I needed to borrow more money. All done online in the comfort of my home.
Very helpful and friendly, although I was approved for a higher loan amount I was not pressured to take the additional funds. I was also having issues with the computer application and they stayed on the phone with me to assist in completing my application.
I could not have been more pleased with the way I was treated during this whole process. I was kept up-to-date on everything that was going on in a timely manner. It all went very quickly. Thank you all so very much.
The customer service was excellent. All of my questions were answered. This is my first time using NetCredit and I had some difficulty working my bank information and the young lady was very patient because I was getting frustrated when I had to put in my banking information. I had set up my banking account and forgot a lot of the required questions the had asked.
Quick and easy to apply. The reason for the 3 star only is because the interest rate is outrageous. It helps those who are in desperate need at the moment but is not a help for the person overall. I think you’re taking advantage of the situation.
Customer service was really nice, emails and online was excellent service. I got updated every day and even twice a day about my loan. Net Credit got me out of a big financial I had! Thank you Net Credit! For sure I would recommend this company!
It happen to be the best experience I ever had with this finance company and it was a good transaction and will do business again with this company. Thank You Net Credit. I hope that they are satisfied with the way that I handled it on my end.
Needed money for bills and got exactly what I needed. The payment plan is a little long but reasonable and we can you have the option to pay more and finish payments earlier with less total interest. Would recommend if you need the cash.
Very professional company outstanding customer service. Always there when you need them. If you have problems navigating the website they are always helpful and polite. Obtaining a loan with them is quick and easy. Best financial businesses I have ever dealt with.
My experience with Net Credit was excellent... the person I spoke to had excellent customer service skills. No complaints noted. Overall experience with Net Credit is excellent and I will refer friends. The money came in handy. I rate my experience with Net Credit with a five star.
NetCredit expert review by Barbara Friedberg
NetCredit is a personal loan company offering loans up to $10,000. The company is a subsidiary of Enova International, Inc. Net Credit has a creative My RightFit ToolTM to help consumers customize their loan amount and repayment terms.
Easy application: The online NetCredit loan application process promises a quick response. If eligible for a loan, the borrower receives an offer which she can accept immediately, or she can request a modified loan.
Payment options: Borrowers select their own personalized repayment schedule. Additionally, NetCredit offers the customer an automatic payment option, so the borrower won’t forget to pay their loan payment.
No prepayment penalties and flexible repayment options: NetCredit helps build credit through regular reporting to 2 credit bureaus. The borrower can modify their payment amounts and won’t incur penalties for paying the loan off early.
No hidden fees: Borrowers of NetCredit promise no fees; borrowers only pay the company the interest and principal payment amounts for their loan. Their CLearCost for MeTM assures no additional or hidden fees.
Customer service options: NetCredit offers borrowers great customer service options, both by phone and by e-mail.
Best for: People looking to refinance debt, facing financial hardship and those experiencing a major life event.