Disclosures
Buyer's Choice Award Winner

NetCredit Reviews

4,912,597reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.
+1 more
Author picture
Edited by: Jon Bortin

About NetCredit

NetCredit is an online financial company founded in 2012, specializing in personal loans and lines of credit for up to $10,000. It is not available in every state, and each state has its own terms for rates and how much you can borrow. All personal loans are unsecured and can be used for any purpose. Approved applicants can receive their funds in as little as 24 hours.

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...

Read more

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 ...

Read more

What is NetCredit?

NetCredit, a subsidiary of Enova (ENVA), offers personal loans and lines of credit together with its lending partners. It is based in Chicago and has been providing fast funding with flexible terms since 2012.

NetCredit is an option for those who need funds quickly but don’t meet the borrowing criteria of other lenders or for financing options like credit cards. 

Since NetCredit doesn’t charge a prepayment penalty, borrowers can repay their loans faster to save on interest. For those who do not qualify for a loan or line of credit, consider using a secured loan or finding a co-signer with another lender.

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 the rate ranges.

Personal loans
Depending on your eligibility and the regulations in your area, you can obtain a personal loan of up to $10,000 through NetCredit's platform. Most loan terms range between six months and five years, but you might need to choose a shorter loan term if you borrow less money.
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 line of credit you use, whenever you use it.

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 alongside the set APR.

NetCredit does offer perks to its line of credit customers, including the ability to skip a payment without penalty and an opportunity to save up to 60% on your statement balance fee.

NetCredit loan requirements

NetCredit’s loan requirements are less stringent than 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 have a minimum credit score or income level, though. As long as you meet its four stated criteria, there is a good chance you will qualify for a loan.

NetCredit rates

Rates and terms are state-based. For example, as of the time of publishing:

  • A California resident can get a personal loan for between $2,500 and $10,000 with an APR between 36% and 40.83%.
  • A Delaware or Louisiana resident can get a loan as low as $1,000, but the APR range is wider, from 34% to 99.99%.

NetCredit fees

Both the personal loan and line of credit come with high APRs. Personal loans can also have an origination fee, which will be deducted from the principal amount of the loan, affecting how much you can borrow. 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

NetCredit is available in 38 states. It is not an option for those who live in Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, West Virginia or Washington, D.C.

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, and 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 within 24 hours

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 other 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 accept the terms and sign a contract. It does report 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
  • Arkansas
  • Arizona
  • 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
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Lines of credit are available in all the above-listed states except:

  • Alaska
  • California
  • Georgia
  • Illinois
  • Missouri
  • New Mexico
  • North Dakota
  • South Dakota

Still have questions?

Is NetCredit legit?

Yes, NetCredit is a legitimate company that has been in business for over nine years. It partners with secure banks, including Republic Bank & Trust Company and Transportation Alliance Bank, to offer its products and services to customers in 38 states. It will provide you with 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 after applying.

NetCredit Reviews

Filter by Rating

  • (1,873)
  • (167)
  • (33)
  • (25)
  • (105)

Popular Mentions

    How do I know I can trust these reviews about NetCredit?
    • 4,912,597 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    2 featured reviews
    How do I know I can trust these reviews about NetCredit?
    • 4,912,597 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 15
    Verified purchase
    StaffLoan Process

    Reviewed June 26, 2026

    The staff at NetCredit was so nice to me, many of the staff I have spoken to within the last days upon my loan approval and the process was seamless; although i ran into some of my own mishaps, the staff were polite in explaining the steps to achieve my goals and helped me to get the loan I was approved for with no hassles, no mishaps and no wasted time between the time I applied until the payday.. Many thanks to all of you at Net Credit.

    Thanks for your vote!

    Not sure how to choose?

    Get buying tips about Personal Loans delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed June 25, 2026

      I just called in and all of my questions were answered quickly. She helped me through everything I needed to know. The payment dates weren't sent to me. She helped me with that. The emails weren't thorough. Your customer service representative on the phone was thoughtful, and thorough. She walked me through everything I wanted to know. She was very polite. She made sure all of my concerns were addressed before we hung up. She helped me understand everything.

      Thanks for your vote!
      Verified purchase
      Customer ServiceRefunds & PayoutsStaffBillingLoan ProcessRatesHonesty & Transparency

      Reviewed June 24, 2026

      Having borrowed from several loan companies in the past I can honestly say NetCredit is by far the most reasonable company of those I’ve been dealing with as far as the low monthly payments. My reason for signing with NetCredit is the extremely low monthly payments for the loan amount. I’m 68 years old and am on a fixed income and dealing with these super high interest rates is kind of a bad thing to do but I sell on eBay and have been able to pay off my loans faster than most people could do thank goodness for that. But NetCredit even though the interest rate is extremely high I was able to pay one 800.00 loan within a month and saved thousands.

      The monthly payment’s were $329.00 a month! Holy crap… but NetCredit gave me a $1600+ loan for $139.00 a month! The absolute best monthly payment of them all! I was so thrilled I called NetCredit the day I received the cash and couldn’t thank the gal I spoke too enough she was so sweet. I truly hope everyone involved in approving my loan hears my phone call and reads this. Times are hard and having found NetCredit dug me out of a hole I wasn’t sure I’d get out of. Woohoo! Thanks to everyone for helping an old man stop stressing over high monthly payments.

      Thanks for your vote!
      Verified purchase
      PricePunctuality & SpeedStaffTimeliness

      Reviewed June 14, 2026

      Fast and easy application. I just had one suggestion, to be able to get funds faster. I was quoted of June 12th as the day my funds would be making it but I did not receive them and they mentioned it could take up to 4 business days but I was hoping for a faster transaction because I needed the money asap and was quoted it would arrive direct deposit the next day. It would help to have it by what date they said or the same day.

      Thanks for your vote!
      Verified purchase
      CoveragePriceRefunds & PayoutsLoan Process

      Reviewed April 28, 2026

      All I can say is NetCredit came through for me, I had a unexpected trip to make to Los Angeles, California.. To a funeral, after renting a Mercedes Benz Van and paying for gas, NET CREDIT loan me enough money to cover the cost... A two day driving trip one way, to Los Angeles, California from Houston, Texas and back to Texas 4 days of driving, and Los Angeles Gas is high, high. $8.00 a Gallon.. Thanks NET CREDIT. You made my trip..

      Thanks for your vote!
      Verified purchase

      Reviewed June 30, 2026

      The experience with Net Credit was refreshing. Never in my history of applying for credit was the process so genuine and forthcoming. While expected the run around, the fact is, the whole process was straightforward. Hat's off to Net Credit. I will always remember you.

      Thanks for your vote!
      Verified purchase

      Reviewed June 29, 2026

      It’s what I need at the right time and it was faster than I expected because I applied in the evening and it was in my account the following morning. It was that easy. I will definitely telling people about this. Thanks very much.

      Thanks for your vote!
      Verified purchase
      Customer ServicePunctuality & SpeedLoan Process

      Reviewed June 29, 2026

      They thought it was a scammer so they called me and I had to verify all of my information right on the spot before my loan went through so that’s what I love most about NetCredit. Once they knew it was me I only waited 24 hours before I was approved. Thank you Net Credit for all your support.

      Thanks for your vote!
      Profile pic of the author.
      Contract & TermsSales & MarketingPriceLoan Process

      Reviewed June 28, 2026

      Do not get a loan here! It is so terrible. The reason you are looking for a loan is because you have no money and I need the cash ASAP, they charge you $100 fee For a loan of $2,000. I will be ending up paying $5,000. They take out $149 every two weeks. From those $149, $49 is for what I owe. This is a scam an charges you so much money, I regret so much this.

      Thanks for your vote!
      Verified purchase
      Punctuality & Speed

      Reviewed June 27, 2026

      Easy approval and fast funding. I was surprised how easy and fast the process was. I would recommend to anyone that needs a little extra cash fast. Application was seamless. Only pain in the butt thing is writing this review. We should be able to write whatever we feel like without being told it’s too short. So maybe a 4 out of 5 just because of this.

      Thanks for your vote!
      Verified purchase
      Contract & Terms

      Reviewed June 24, 2026

      Clarification of terms clear, easy application form. First time approval made simple. All terms of the laws were very plain. Agreement was very simple and to the point. I appreciate doing business with NetCredit.

      Thanks for your vote!
      Verified purchase
      Customer ServiceTimeliness

      Reviewed June 22, 2026

      Next day funds were directly sent to my checking account and the application was fairly simple. The whole process took me less than a hour and I got a email within the next hour with my acceptance and line of credit amount.

      Thanks for your vote!
      Verified purchase
      Customer ServiceStaffLoan Process

      Reviewed June 22, 2026

      Good customer service and helped every step of the application process. Seemed confusing and overwhelming but NetCredit was great helping me process everything I needed and I was granted a loan in a few days.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedBilling

      Reviewed June 20, 2026

      No hassle, very fast on the process. Needed for emergency, came right on time. They gather your information very fast and comes back with a decision in no time. I can refer a friend to this company company anytime. The payments are very reasonable. It meets the needs of your payment due dates and all.

      Thanks for your vote!
      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed June 18, 2026

      Good customer service. Approved for $2500 but only received $1000 without explanation. They were unable to verify identity which I called in and had questions asked and also a phone call from the CSR. All was verified. But again don’t understand why I didn’t get the $2500 that I needed.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed June 17, 2026

      This was one of the fastest and smoothest transactions I’ve ever done! The funds were available immediately. You’ve helped me when I really needed! Thank you so very much for your service! I’m definitely going to tell my friends and family about your company.

      Thanks for your vote!
      Verified purchase
      Customer ServiceStaff

      Reviewed June 14, 2026

      Every customer service agent I spoke was very courteous, friendly, patient, and professional. Every question I had was answered. I apologize for not remembering the names of each individual I spoke with over the phone. I am thankful for the help I received.

      Thanks for your vote!
      Verified purchase
      Punctuality & Speed

      Reviewed June 13, 2026

      I was very pleased of how fast the cash advance was processed and approved. My cash advance was there when I expected it to. After figuring out Plaid and getting my bank connected. I had no more issues.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedFollow-Through

      Reviewed June 12, 2026

      I have used Net Credit numerous times over the years and always had a great experience. Net Credit always make the process quick and easy with no hassle. Funds are always available as promised. Net Credit is always there when you need them.

      Thanks for your vote!
      Verified purchase
      PriceBillingLoan ProcessRates

      Reviewed June 12, 2026

      Net credit is always there for me when I need them, the payments are affordable and the interest is much better than a pay day loan. I highly recommend them to anyone looking for a loan!!

      Thanks for your vote!
      Loading more reviews...

      NetCredit Company Information

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