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NetCredit Reviews

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Edited by: Ilana Hamilton
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Fact-checked by: Jon Bortin

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

NetCredit Reviews

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    2 featured reviews
    How do I know I can trust these reviews about NetCredit?
    • 4,943,040 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 11 Reviews 1275 - 1425
    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed March 9, 2021

    Net Credit came through for me and got me out of a tough jam. When others wouldn't touch me, Net Credit looked at everything and said yes. I will focus on paying them off early, but this loan and how easy the process was, took a load off of my shoulders. Thank you very much!!

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    Verified purchase
    PriceStaffBillingLoan Process

    Reviewed Feb. 25, 2021

    The process was timely and extremely hassle free. The amount I qualified for was a decent amount that will help clear up some debt and have 1 payment that is affordable. There was just a bit of paperwork to submit to get the loan approved.

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    Verified purchase
    Punctuality & Speed

    Reviewed Feb. 23, 2021

    I have used Net Credit more than once. The experience has always been efficient, and fast! I will definitely use them again in the future. The application process is painless, and the funds were in my account the very next business day.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessTimeliness

    Reviewed Feb. 12, 2021

    I needed a small loan ASAP, and Net Credit was the answer to my prayers!!! Low monthly payment and quick processing, my money was deposited the next day!! They were quick to respond to my request!!! Thank you for your help!!

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Feb. 8, 2021

    Such a wonderful fast experience! So glad I partnered up with you guys again! Got offered much more than I wanted and I appreciate all the available methods to upload information that was needed. Thank you for such an amazing experience!

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    Verified purchase
    Customer ServicePunctuality & SpeedRates

    Reviewed Feb. 8, 2021

    Good afternoon, I know the interest rate is very high and to me it's up to the individual to accept if approved. The process were very easy and quick response of approval or not. The application were easy to apply and I will refer family and friends to try it out.

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed Feb. 1, 2021

    Fast and very easy! I was impressed with how quick and easy the whole process was! Although I couldn’t verify income online, it was easy to do it the other way! My loan processed over the weekend and was in my account Monday morning! With reasonable repayment terms! Thank you!

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    Verified purchase
    Punctuality & SpeedOnline & AppLoan Process

    Reviewed Jan. 14, 2021

    I appreciate the expedited loan and was well pleased that the money is in the bank in less than 24 hours. I like the process and easiness of the online application.

    No long period having to wait for answer. Great experience once again. I am a returning customer.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Jan. 12, 2021

    I needed a little help to push my family on and "keep our head above water". Net Credit was there to help. Thanks again for helping people during this pandemic. This thing is real. People if you need some help call NetCredit. Stay Safe.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Jan. 9, 2021

    Great customer service. Very satisfactory. Very helpful. Made process very easy. Would recommend for other people looking for a loan. Very helpful and glad I made the choice to go through Net Credit. Would definitely be using them again if ever needed.

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    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedStaff

    Reviewed Jan. 8, 2021

    Was so pleased with how easy and fast was approved I am so happy???? You were able to help me. Have been turn down so many time was ready to just give up. And then was watching the TV when your Ad came across. I said I will try and see what ha6 and was so happy when got call to tell me I was approved. You really made my day. To help pay .y bills.m

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Jan. 7, 2021

    NetCredit is easy, safe, and quick to fill out the application and apply. Once the application is been processed, the fund will be in your bank account in a safe, secure, and quick way that you cannot imagine. The staff are skillful and experienced to answer clients questions. Thanks NetCredit.

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    Verified purchase
    Customer ServiceTechPunctuality & SpeedStaffLoan Process

    Reviewed Jan. 1, 2021

    Excellent customer service, precautions taken to ensure no fraud, very timely and courteous through quick email response and collection of documents, the most diligent loan service I’ve experienced. This is why I’ve been a repeat customer. The contract provides all details upfront so as a consumer you are well aware of the loan terms and conditions.

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    Verified purchase
    Loan Process

    Reviewed Dec. 24, 2020

    Yes it was a great experience and a lot of work on my side trying to get the proper paperwork to you all. Thank you for making our Christmas great. Happy New year to all of you there. I will refer my friends to you all for a loan. Thank you again.

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    Verified purchase
    PriceLoan ProcessRates

    Reviewed Dec. 24, 2020

    I had applied for a 5000 loan but only qualified for 2000. Which it's better so I would be able to pay the loan much faster without paying too much for interest, I'm happy with the outcome, thanks NETCREDIT for looking out for me.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Dec. 24, 2020

    I had ran into a tight spot after being out of work unexpectedly and just closing on my house. So my savings was gone and my short term disability was not helping at all. NetCredit answered the bell really quickly. So my family's Christmas continued being a great one after all.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedMaintenanceBillingLoan Process

    Reviewed Dec. 23, 2020

    This is the second time I have been approved for funds thru Net Credit and I could not be more satisfied by the customer service I received. A quick reply and easy way to submit documents and information. This loan came at the perfect time to pay off a credit card that would not work with me and was charging me constant late payments. I look forward to paying this loan off and maybe taking another to work paying off all my credit cards quickly and efficiently! Thank You Net Credit!! You're the best!

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    Verified purchase
    Loan Process

    Reviewed Dec. 21, 2020

    I had a very good experience. I was approved for more than I expected. I took the minimum loan amount and was happy with that. The process was a very good one. I'm glad that I was able to get a loan with Net Credit. Thank you so much.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Dec. 14, 2020

    My experience with applying for a loan was fast and efficient. During this unprecedented times this loan meant a lot to me and Net Credit was able to deliver the funds just in time for my family and I really appreciate the help. Thank you!

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    Verified purchase
    Loan Process

    Reviewed Dec. 10, 2020

    I applied for a loan on Monday, approved on Tuesday, and had my money on Wednesday. It was so easy and all done online. I’ve never dealt with a company like this. Love this company and will recommend to all my friends!

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Dec. 8, 2020

    Very professional and courteous to their customers. Quick response time to customer questions or concerns. Always willing to work with their customers. The loan application and processing was easy and funding was quick. I would recommend Net Credit to family and friends.

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    Verified purchase
    Punctuality & Speed

    Reviewed Dec. 8, 2020

    This process was not intimidating at all, it was an awesomely quick and simple Experience. The approval process was even quicker. It told me when to expect the money in my account. I thought it was too good to be true but this company is legit. I would recommend using them and will if I need them again.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Dec. 4, 2020

    Fast and friendly. I had to call customer service and I was treated very well. It was a good phone call. Everything got completed right away. I already completed the loan with NetCredit and everything was very very successful and I’m glad they were there for me again.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedOnline & AppStaffBilling

    Reviewed Dec. 2, 2020

    Net Credit has helped us in the past, and they just came through again! The online application is a breeze. Uploading documents is fast and easy. Responses were in an incredibly timely fashion. The payment schedule is totally affordable as well. Thank you NetCredit!

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed Dec. 1, 2020

    Everything was perfect! Very impressed with the speed and efficiency! I will definitely recommend! You have worked for and deserve my highest recommendation. This is my second loan with you and I couldn't be more satisfied. You guys were there when I needed you! Thank you!

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    Verified purchase
    PricePunctuality & SpeedBillingLoan Process

    Reviewed Nov. 28, 2020

    This is 4th time funding loans through NetCredit. Every single time it’s been quick and easy. It was expensive at first but it gets cheaper the more you pay off and get another one. Assuming you make your payments. I was able to make bigger payments and pay off in the 1/5 of the time. It’s been easier for me paying off multiple debts and consolidating them into this one loan. Since I had a few things going on and pilling up at the same time, this was the perfect option for me. This should be my last time, and I will be officially out of debt! Thank you NetCredit!

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    Verified purchase
    Customer ServiceStaff

    Reviewed Nov. 27, 2020

    Once I found your offer through Lending Tree I filled out my application. There were a couple of times that I forgot to put in some information but you called me right away. The gentleman I spoke to that night helped me so much getting my bank information sent to you. I was told I would know something by Friday, 27 November and I got up this morning and looked at my bank account and the money was there. Thank you so much for your help.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Nov. 25, 2020

    For being a return customer the process was fast and quick. If I have a need another loan Net Credit is the way. Net credit helped me in a time of need. I would recommend to my friends and family about Net credit.

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    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed Nov. 24, 2020

    Great experience and excellent response time, very good to work with and helpful when contacted and explains thing very thorough. Would definitely recommend to a friend, I hope to keep doing future business with NetCredit. On the spot service as well. They help people with fair credit get a loan at a good rate.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Nov. 23, 2020

    My experience with applying on line was fast and Easy on line forms, easy to understand, easy email communication back & forth, and perfect response time. Fast turn over time, fast deposit & good customer service. Highly recommending this company to friends and family for fast loans. No issues or glitches in process.

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    Verified purchase
    Punctuality & SpeedRefunds & Payouts

    Reviewed Nov. 21, 2020

    Quick and easy, easy process. You hear back fast, and you get the money when they say they will deposit it for you. I will definitely be always using in the future, paying back ahead of time is quick and easy too. Definitely will recommend to my friends.

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    Verified purchase
    TechPricePunctuality & Speed

    Reviewed Nov. 19, 2020

    My experience was really great. I never left my chair. The process was very easy. I submitted my request and they quickly came back with what they could give me and instructed me what docs were required and I submitted them. I need to get more money.... Is there anything I can do? I needed up to $50k. Please advise.

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    Verified purchase
    PricePunctuality & SpeedLoan ProcessRates

    Reviewed Nov. 18, 2020

    Fast, super-convenient, hassle-free loan. Simple, straightforward application process. If all info checks out, loan is processed and funded within two days without having to speak to anyone at all. Interest is not cheap, so I would recommend to anyone who needs cash right away, but plans to repay as quickly as possible.

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    Verified purchase
    Online & AppLoan Process

    Reviewed Nov. 17, 2020

    I applied for a loan on Sunday. I filled out the online application easily. I sent all of the additional information requested in Sunday evening and by Tuesday morning the loan was in my bank. The whole process was painless.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Nov. 13, 2020

    This has been a great experience. People are very friendly and understanding and get you the information you need. Would highly recommend to everyone. Needed the extra money and net credit was fast and getting you what you need and when you need it.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Nov. 11, 2020

    Simple and effective. Was able to get the funding very quickly without any problems. Payments fit my budget. I am very satisfied with everything. Really easy to complete the process. Customer service and customer care services are very helpful and caring..

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    Verified purchase
    Punctuality & SpeedStaffBillingLoan Process

    Reviewed Nov. 11, 2020

    Thank you.. The experience was professional and efficient. The loan came fast and the payment plan is very manageable and allows for me to be able to pay the principal down with financial hardship. This is my second loan with this company and they are amazing.

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    Verified purchase
    Punctuality & SpeedStaffBilling

    Reviewed Nov. 6, 2020

    Thank you SO much for the approval and quick funding! This has been a tough year and you helped me to be able to support my family as a single Mom, by allowing me to pay off all credit cards and one other debt. This way I can afford to buy food, gas and pay monthly bills. Thank you!!!

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    Verified purchase
    Loan Process

    Reviewed Nov. 5, 2020

    You all are at the top for reliable lending services on a national level! The refinance option could be a little more lenient, but maybe that's a good thing. Once you're paid off, you can start a new loan so that's a plus... well as long as you have a current job status to vouch for you again! All in all... always a positive experience for me!

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    Verified purchase
    StaffLoan Process

    Reviewed Oct. 27, 2020

    My loan experience was great. All the representatives were courteous, polite, and helpful with the entire process. They were great at putting my mind at ease. Glad to have the Net Credit experience. I would recommend my friends to give you guys a try.

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    Verified purchase
    Customer ServiceStaffLoan ProcessHonesty & Transparency

    Reviewed Oct. 25, 2020

    Nice people who are honest. Glad they listened and I had a positive experience speaking with customer service. This is my second loan with this company. They really work with you. I’m pleased to be back! This pandemic has hurt many people including myself. Thank you for your help in this difficult time.

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    Verified purchase
    Punctuality & SpeedTransparencyTimeliness

    Reviewed Oct. 20, 2020

    After updating a few bits of information, my funds were in my account the next day! It was quick, easy and right on time! I will always be a returning customer with NetCredit!!! This was the easiest process ever!

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    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Oct. 18, 2020

    I’ve used Net Credit before and they were awesome. They are fast and if there’s a problem they work hard at solving it so you are satisfied. Great customer service on the phone also. I would recommend Net Credit to my family and friends.

    Thanks for your vote!
    NetCredit
    Response from NetCredit

    Hi Donna,

    Thank you for taking the time to share your experience!

    PriceBilling

    Reviewed Oct. 1, 2020

    Please do not use Net Credit for money. If all possible use a reputable company. I had one of their collection people offer me a settlement. I accepted it and paid what was asked. Net Credit wanted more money because they said I should have settled with them. They should not use collection companies if they will not honor the settlement. I only accepted the settlement from the company because they said they were asking for the settlement and they represented Net Credit. I am going to pay them the money they are asking for but this is plain extortion and they should be shame of themselves. If they send a letter asking for a settlement and a company represents them, they should honor the payment. PLEASE DO NOT USE THIS COMPANY, THEY WILL NOT HONOR SETTLEMENTS.

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    NetCredit
    Response from NetCredit

    Hi Irish,

    We are sorry to hear that you had a negative experience. For any collections-related concerns or feedback, we encourage you to connect with our dedicated collections team by emailing collections@netcredit.com. One of our representatives will be able to review the context of your experience and answer any questions.

    PricePunctuality & SpeedStaffBillingRates

    Reviewed Oct. 1, 2020

    The credit application is completely easy to complete. They arrange your payment date to coincide with your payday which makes it easy to repay as according to their rules. Representatives are easy to reach and knowledgeable about answers to all questions. Would recommend this company if you are in a pinch and need resources...just provide needed information so you can be approved...the only problem I see is the very high expensive interest rates...you can repay early if your funds allow it and that would be great if you can do so.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Aug. 9, 2020

    After I was approved I was trying to take a $500 advance. One of the customer service reps told me cash advances were not allowed due to pandemic. When I challenged her she said, "I don't know why that's what we're told. No cash advances!"

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    NetCredit
    Response from NetCredit

    Hi Mary,

    We are sorry for the inconvenience you experienced related to your account. Eligible NetCredit Line of Credit customers can now complete an account review that may restore line of credit access, pending review and verification of their current employment and income. Please log in to your account to see if you are eligible for an account review: https://www.netcredit.com/signin

    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 25, 2020

    I applied and received an email that I needed to fill out the income verification section which I had done. I called immediately and was told it was an automated response and to ignore it. I received another email a few hours later just like the first email. I tried to call multiple times over the weekend and received a message stating that you were closed even though the email said you should have been open. Then I reached someone on Monday who said you needed a bank statement. (Never got an email asking for bank statement. - only knew this because I called). I provided that within the hour, called to verify it had been received. I was told that was all that was needed. Two days later. I get an email that says my application was denied because I didn’t send requested documentation. I sent all that had been asked for. Then I called and was told the application had timed out and to resubmit.

    I was told everything they needed was there and they would review it. I resubmitted. I received the same email about income verification again. I called and was told I needed to submit the online section. I already did. Then I was told that no, that wasn’t it at all, they had been unable to verify my employment verbally. I sent them the direct line to HR on Friday at 6:30 and Human Resources would have been closed. But then I got an email around 8:30 that it had been approved. So, it took 10 days and multiple phone calls - all of which I was told something different. And never received a request for anything by email except the same email four times about income verification even after I had sent it in by email. It was a frustrating experience. I was a return customer but I’m not sure I will be in the future. The customer service reps were pleasant but very inconsistent with information.

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    NetCredit
    Response from NetCredit

    Hi Melissa,

    We are sorry to hear about your frustration. Each application goes through a very thorough verification process in order to ensure responsible underwriting and protect borrowers from potential fraud. If you have questions about your specific experience, please feel free to contact us at https://www.netcredit.com/contact-us.

    Verified purchase
    Customer Service

    Reviewed July 13, 2020

    Overall, I'm just satisfied with my experience. The problem was that when someone called my employer to verify my employment, they only tried to call once and withdrew my application. There was no way that could have had any trouble getting thru. I had to reapply, which took another couple of days which was not my fault. The verification department should have tried to call my employer again instead of canceling my application, having me to reapply, and dragging the issue for another couple of days. Also, the customer service team sounds like they are working from home with a bad reception like they are in a tunnel. They couldn't just reopen the application to get them to call again. This was a major inconvenience.

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    NetCredit
    Response from NetCredit

    Hi Jon,

    We are sorry to hear about your overall experience. Each application goes through a very thorough verification process in order to ensure responsible underwriting and protect borrowers from potential fraud. If you have questions about your specific experience, please feel free to contact us at https://www.netcredit.com/contact-us

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed June 24, 2020

    I am a senior loan specialist for one main financial and we close loans within a hour. I called in several times to see what was needed. No one could speed up the process...you should work on that. Your competition can do a loan in a hour. With funding within two of your call.

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    PricePunctuality & SpeedLoan ProcessRates

    Reviewed June 9, 2020

    This I quickly learned was the worst financial decision that can be made. Don't ever do anything with this company since they will charge such high interest rates. Try and do anything you can and reach out to anyone you can before taking a loan here.

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    NetCredit
    Response from NetCredit

    Hi Jonathan,

    We appreciate your feedback and understand that not everyone’s financial situation is the same. Our mission is to provide opportunities for consumers to get fast and easy access to the credit they may not find with other lenders.

    Verified purchase
    Customer ServiceLoan Process

    Reviewed June 1, 2020

    This was a very easy and most importantly dignified experience. Not a lot of humiliating questions about my circumstance and why I needed the loan, A simple form, a couple of emails and it was done I had my funds in less than 24 hours. Would definitely recommend to others.

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    Customer ServiceBillingLoan ProcessRates

    Reviewed May 18, 2020

    My wife took out a personal loan with this company and it was a horrible experience. She got it easily enough but while we were paying on it they were completely devoid of any customer service skills and payment processing ability. Way too rigid, and the interest rate was absolutely outrageous, 58% APR!!!! Thank God we were able to pay it off in full today with another loan with much better favorable terms and a considerably much lower interest rate. Please do not take a loan out with this company! Find another way. They are the equivalent of loan sharks!!! I realize people may not have many options but still please never use this company. Take out a 401K loan or anything but this company.

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    NetCredit
    Response from NetCredit

    Hi Davis,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

    Verified purchase
    Danny increased rating by 4 stars.
    Customer ServiceStaffLoan ProcessRates
    After a positive interaction with NetCredit, Danny increased their star rating on April 2, 2020.

    Updated review: April 2, 2020

    They came through after much unnecessary anxiety. I appreciate this was finally handled and thank them. I felt this review deserved an update. I am satisfied with them very much now.

    Original Review: March 19, 2020

    I've used NC for years and have been genuinely satisfied with them. You pretty much have to accept the high fees/interest rates when first taking a loan from them. They make coming back pretty easy and the reps, for the most part, have been friendly. I had to call today because I have been laid off since March 2 and that has been extended 8 more weeks. I called asking for help and basically told her I would not be able to pay next month and possibly the month after (I have no idea at this point). I'll give her a D rating for her "effort". She didn't know a few answers or care to ask or find out how the company will handle a request/advisement like mine? She said that was not her department. Again, not even bothering to try and get help or ask a manager.

    She told me I can try and call back another day and speak with someone else. I Feel so disgusted and played for being a great paying customer and to just be blown off like that was horrible. At this point in the PANDEMIC, the company has ZERO standing policy on how their staff should handle these kind of calls? What a shame. I'll take the credit hit and place negative reviews where needed. SAD.

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    Verified purchase
    Customer ServiceStaff

    Reviewed March 17, 2020

    Did not expect to qualify b/c of bad credit. I submitted application and within 30 minutes I received a call requesting to finish application process. By that time I had already made my mind up to cancel b/c I needed more than they offered. The friendly woman knew I needed the money so I proceeded. This process started on 14 and ended on 16. Happy that Net Credit was there when I needed them. Took a lot of stress off my shoulders.

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    Verified purchase
    Contract & TermsBilling

    Reviewed March 13, 2020

    The payment arrangements that I have received fits well within my financial criteria. Taking into consideration the other bills and expenses that I have including utilities, credit cards, and other debt criteria that I have, it wouldn't be so difficult for me to manage my money.

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    Verified purchase
    Staff

    Reviewed March 12, 2020

    I want to Thank you for helping me out and the kindness that your employee, they were very kind and patient. They explained with so much kindness in their voices. I will recommend Net Credit. Thank you again Esther **.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed March 7, 2020

    This experience has been amazing. The quick application process to the quick approval left you no room for worry. The process is amazing and the people are caring and kind. I would highly recommend your services to any and all of my friends and family.

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    Verified purchase
    Punctuality & SpeedBillingLoan ProcessRatesTimeliness

    Reviewed March 5, 2020

    I’m very satisfied And happy all transactions were super fast. Money was deposited in my account the next day hassle free. Interest rate is high but with my credit unsecured loan is all I can have right now. Either way very happy with NetCredit. I was able to pay all my credit card debt.

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    Customer ServiceLoan Process

    Reviewed March 4, 2020

    I was referred by Credit Sesame and finally qualified. I received an email stating unable to approve as they couldn’t verify my income. I reached a lady named Suzie who suggested I send in my bank statements and paystubs via email and she would promote my loan back through. I did this process four more times with the same result. Very frustrating to be going in circles and not getting anywhere. My bank statements and paystub submitted more than verify my income and pay dates and direct deposits. What more would be needed and why is no one calling to explain?

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    NetCredit
    Response from NetCredit

    Hi Suzanne,

    We are sorry to hear about your frustration. Each application goes through a very thorough verification process in order to ensure responsible underwriting and protect borrowers from potential fraud. If you have questions about your specific experience, please feel free to contact us at https://www.netcredit.com/contact-us

    Verified purchase
    Customer Service

    Reviewed Feb. 27, 2020

    All went smooth, with funds in my bank Account the next morning. All completed online with no issues whatsoever. No need for anyone on one phone's contacts what-so-ever, everything completed online. Would recommend to anyone that is in need.

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    Verified purchase
    Customer ServiceStaffBillingTimeliness

    Reviewed Feb. 27, 2020

    This is one of the greatest and professional company that I have work with. I will tell my friends about the great service this company provide online. I had to call customer service about changing payment date and that small problem was not problem, the next day that was taken care of and thanks again.

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Feb. 26, 2020

    Easy and fast for exactly what I needed. I was very pleased with the response I received after I sent an email with questions. I would recommend it to anyone who needs this loan to try it. So pleased how easy it was.

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    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Feb. 25, 2020

    Kept saying all was fine but then I'd get called and told my attempt failed and I needed to try again. After 2 weeks of trying, I finally got a hold of someone who suggested I fax or email paperwork. 4 days later it finally went through.

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    NetCredit
    Response from NetCredit

    Hi Jeff,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Punctuality & SpeedLoan Process

    Reviewed Feb. 19, 2020

    Returning customer was easier than I thought. The emergency urgent situation that I was in was solved in no time. My loan was approved and I can’t believe how fast the money credited to my own bank account. I will worry no more in the future, just inc ase I will need more loan. Thank you NetCredit.

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    Customer ServiceStaff

    Reviewed Feb. 16, 2020

    I had a great experience with NetCredit, the customer Service was very good. And everything went very smoothly. I would give them a thumb's up.The process also went very good. They called me to verify certain information with me and I Thank them so very much for their help.

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    Staff

    Reviewed Feb. 14, 2020

    You guys were great!! Especially when I needed help because I messed up. When I missed the deadline, you gave me more time.. I really appreciate your patience with me....I am not very computer savvy, but you guys helped me through it.

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    StaffTimeliness

    Reviewed Feb. 12, 2020

    I’m very pleased with the experience I had with you and I thank you for your help and kindness. You made it so easy. I hope if I ever need help again I’ll be able to count on you again. It was in my account the next day.

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    Punctuality & SpeedLoan Process

    Reviewed Feb. 11, 2020

    It was great dealing with you, you were fast and very efficient. Thank you for everything was great and I got the loan. Very quick. I would recommend you to anybody that needs a loan. THANK you again for all you did.

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    Punctuality & SpeedLoan ProcessRates

    Reviewed Feb. 8, 2020

    Very fast loan. Less than 24 hours had money deposit into my bank. The only bad thing interest is very very high, like double what a person borrowed..Overall, if you need money in a pinch they will deliver money to you fast.

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    Customer ServiceTechSales & MarketingPricePunctuality & SpeedOnline & AppLoan ProcessRatesTimeliness

    Reviewed Feb. 1, 2020

    Was email that I was pre-approved for $5600. I looked over the loan letter and applied to see the cost. All but really needed was $4000. So after I see what it was for the pre-approve amount I applied for the $4000. It came back approved in just a minute or two so I read over everything and signed away. Interest is high but it's a personal loan. They said that is was going through the final review and notify me email if approved.

    Hour went by and seen the email saying, "Congrats your bank has been notified about the funds and should be in bank account today." They were right. Just after 1 pm my bank text me about the deposit. Net Credit has been the fastest in getting approval and deposited into the bank same day. I've had a couple of loans like this and they are not near as fast as Net Credit. One more thing is I never had to talk with them about issues with my app. So fill everything out on the app and give them authorization to your checking account so they get proof of income and you will have no problems. I will use Net Credit from now on when need money. #1 in my book.

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    StaffLoan Process

    Reviewed Jan. 30, 2020

    I had an excellent experience with NetCredit concerning the application and eventual funding of my loan. The application was easy to complete and a decision was provided in a timely manner. Lastly, the funds were transferred on the day they were estimated. Overall, I had no issues and the process was a great experience for me. Thanks for the support!

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    Punctuality & SpeedStaffLoan ProcessTimeliness

    Reviewed Jan. 29, 2020

    Everyone I talked to was kind, professional and The process quick. The application was quick and easy. The funds were deposited the next day. I would recommend this service to my friends and family. When I pay off the loan, I will look at getting another loan.

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    StaffLoan ProcessRatesTimeliness

    Reviewed Jan. 28, 2020

    Thank you for a second chance. I really appreciate the loan. Staff was very professional. The process went very smooth. It was great that the funds were deposited the next day. Other than the loan rate I would come back.

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    Verified purchase

    Reviewed Jan. 23, 2020

    This company gave me a chance when no one else would, somethings was left off and the lady did not tell me and this took longer than I expect to process. But it made on time for me regardless of the forgetting to tell me some valuable information that cause me a bit delay in getting the funds earlier.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Jan. 23, 2020

    Net Credit was very fast and efficient in helping us with our loan needs. We refinanced our current loan and took money out. This was all done and finalized in just a few short hours with the money being deposited directly into our bank account. Thank you Net Credit.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Jan. 23, 2020

    Well it was a chilling experience. I would check online as I was told. First I got a letter saying I was denied then about 5 hrs later I was told I was approved then I checked the online info. I was told yes I could get the loan but on the bottom of the page it said I wasn't able to get the loan so whenever I would call they were so very helpful and said yes I was getting the loan. I told them this was so very confusing but yes I got the loan and am very thankful.

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    Customer ServicePunctuality & SpeedLoan ProcessRates

    Reviewed Jan. 23, 2020

    This was an extremely smooth experience!! The gave me the amount I was approved for but took less but interest rate high but if you payoff early like I'm going to do there's no problem!! They did require bank statements and employment info which I did through email!! I definitely get another loan!!

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    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Jan. 23, 2020

    I was overdue for Dec 31st 2019 installment by partial amount by $229. I paid that along with current installment for Jan 15th 2020 on on Jan 17th. In worst case I was 17 days overdue for $229 as of Jan 17th. But Net Credit immediately reported that as 30 days overdue for Jan 2020 payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as I had poor score (Minimum they expect is fair).

    I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then I called multiple times. They request for credit score page. I sent the Experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession.

    After nearly 7 calls in 3 days when I called yesterday they said they are waiting for 90 plus page Experian report (full). I don't know why they need it. Then I sent the full report both for the day before they reported and report for the day they reported with only their wrong information reported impacted. I was told I will get a response in one hour. When I called after a couple of hours later it is closed. When I called today morning first they mentioned it is different department working on that, they spoke to their manager and I will get a response before EOD. I sent a reminder in noon as I am desperate.

    When I called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls I made people provided me wrong information. When I asked how come someone says particularly I am running in minutes the representative says I am cursing them when I asked why it was misinformed. Then I asked can speak their manager. I got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is I paid nearly 35 installments for them and paid nearly more than 200% of the principal. Never missed a payment by 30 days. And this is the response I get, "We report anything that is your problem". Anyone faced a similar issue please ping me.

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    NetCredit
    Response from NetCredit

    Hi Bala,

    Please contact our customer service team for help with your questions: https://www.netcredit.com/contact-us

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    CoverageLoan Process

    Reviewed Jan. 23, 2020

    I just can't say enough how grateful I am that you took a chance on me and I won't let you down. I have been repairing my credit for almost a year with Experian and I'm doing well, but apparently having great credit, at the time it was at 746, and yet that wasn't enough for a personal loan through their partners because my account hasn't been open long enough and I'm a credit risk ???? Thank YOU for taking a chance on me and I'll refer anyone that asks to sign up with you. Thank you so much!

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    Customer ServicePunctuality & SpeedStaffTimelinessFollow-Through

    Reviewed Jan. 22, 2020

    Process was flawless.Very quick, hassle free and simple. Funding date happened as promised at midday. I didn’t have to wait till next day. Wonderful experience. When I spoke to a phone rep to provide employment contact information, she was courteous and professional. I would highly recommend this bank to prospect borrowers.

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    CoveragePunctuality & SpeedStaff

    Reviewed Jan. 22, 2020

    It was fast and an easy steps. It wasn’t complicated to complete and I liked that. I was in a bind and this helps me. The experience was fast and efficient and covered everything in a matter of a few days.

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    Refunds & PayoutsBillingRates

    Reviewed Jan. 22, 2020

    The experience is painless, however the interest do not make any sense. To Borrow 5k, you must pay back 15K. If I wasn't in a bind I would never do it any. The payment is low but I hope to pay it back in 1/2 of the time.

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    Punctuality & SpeedRefunds & PayoutsRates

    Reviewed Jan. 19, 2020

    So far, everything is good, but we're only 2 days old at this point... My Experience Rating should move through 'Happy' to 'Recommend to Others' once I pay my current amount off early and/or refinance for a lower rate (when eligible).

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Jan. 18, 2020

    Very good & thorough. Very responsive and polite. A strong performance on your part. Pretty easy to complete forms and submit. The entire experience was quick and easy and I would recommend to friends and family. I think the rates are a bit high even though it is a personal loan.

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    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Jan. 17, 2020

    1/15/2020 Applied for a loan, loan approved, direct deposit to my bank, on 1/16/2020. As of today 1/17/2020 loan does not show in my bank account. Getting worried. I did call my bank today 1/17/2020 shows no transactions. I will check my account again on Monday 1/20/2020, didn't think it would take days for me to have access to the monies.

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    Loan ProcessHonesty & Transparency

    Reviewed Jan. 17, 2020

    Very easy process to complete terms of repayment. Much better than other loans. I have nothing derogatory to say about this entire process. I would recommend this site to my friends and family. Easy, honest, no hidden fees. Great experience. Bravo.

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    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed Jan. 11, 2020

    Quick response. Very responsive. This loan came through exactly when I needed it! You guys did great! Life affecting!?? I appreciate you working with me. I'll use the loan to pay a big bill that was really stressing me out...and just have the remainder as a cushion so I don't have to live check to check.

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    Staff

    Reviewed Jan. 11, 2020

    Everyone that handled my inquiry was very friendly. And once all the information was completed I was approved and my funds were deposited into my account the next business day. I would recommend this site to anyone that needs financial help.

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    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed Jan. 9, 2020

    The agents were very informative and helpful in guiding me through the process. The approval appeared to be provided quickly and the payment schedule is very doable. I feel confident that I can call in to the loan team with any concerns and questions that I may have.

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    Customer ServicePunctuality & SpeedMaintenanceStaffLoan Process

    Reviewed Jan. 7, 2020

    I just got the loan and haven't even started to pay because of the due dates. I called and explained that the due dates are wrong and need to be changed. Because of my pay schedule. I was informed that I would be able to have it adjusted. NOPE after I sent my past pay statements. Keep in mind they are unwilling to change your pay's schedule to the best pay schedule that is best for you even if it the a faster pay time. FYI People are not banks. We still have Mortgage, maintenance, Rent, and so on at beginning at the months. DUH.

    Go with another company.!!! Also the way you pay is very sneaky. You have to call 2 days before the pay schedule to change it... But you have to call and go through the phone system and you have to press an option, wait for the computer to finish and then you have to wait to have the honor to speak to someone. And then they will have to change your due date. So dumb!! why can't you just change it over the phone or on your client portal. Anyone who has to use this horrible service already has their pride hurt. We don't need to have a 5 mins or more process. That should be as quick as possible. I called again and the woman was completely a junk. And no help for a very simple change.

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    NetCredit
    Response from NetCredit

    Hi Brian,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Customer ServiceTechPunctuality & SpeedOnline & AppStaffEase of Use

    Reviewed Jan. 7, 2020

    You were quick and very professional. Your website is user friendly. Your customer service telephone operators are very knowledgeable and eager to help. I will recommend to others. You made sure that I understood everything concerning the contract. You seem to really care about helping the customer achieve a positive goal. I love the way you do business. Thank you for your help and support.

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    Verified purchase

    Reviewed Jan. 5, 2020

    The experience I had was great, I don't think it could have gone any better. I am very thankful for NetCredit. Thank you happy new year. In the future I will turn to Net Credit and strongly recommend them.

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    Verified purchase

    Reviewed Jan. 4, 2020

    The best way to build credit is using Net Credit. So if you want to build your credit by all means. I’m happy with the little cash I was able to receive. I recommend them to anyone looking for a lender that works with all credit.

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    StaffBilling

    Reviewed Jan. 4, 2020

    I am so glad I found this NetCredit. Helps me with my taxes which I did not have. Even though the percentage is a little on the high side, but this helps me pay the taxes on time and with low payment to pay off.

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    Customer ServiceStaffLoan Process

    Reviewed Jan. 4, 2020

    Several attempts have been made by email and phone to increase loan amount. Have yet to receive reply. Need additional money to assist with health care issues for my Mother. I am on a time line and need help as soon as possible.

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    StaffLoan ProcessRates

    Reviewed Jan. 3, 2020

    I was a complete idiot to accept this loan. - DON'T DO IT!!! You pay 100% interest on your monthly balance making it impossible to pay off. It has been 1 year and I still owe the original loan and have paid $105.00 every 2 weeks. Beg, Borrow, do whatever you have to BUT do not do it!!! Hopefully I can help someone else not be tempted when in need of money, you will regret it - Big Time.

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    NetCredit
    Response from NetCredit

    Hi Romy,

    We appreciate your feedback and understand that not everyone’s financial situation is the same. Our mission is to provide opportunities for consumers to get fast and easy access to the credit they may not find with other lenders.

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    Staff

    Reviewed Dec. 31, 2019

    I am very pleased with the professionalism and kindness shown me by the staff! With my cancer this year, and the unexpected transmission repair on my car--you all were a blessing!! Thank you!!! It is my hope we can continue to work together in the future!!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 31, 2019

    Experience was very good with quick response and no unnecessary contact. Excellent service and I would recommend. Other services required multiple contacts and information already provided. Didn't need to download documents etc. Would use this provider again if I needed to.

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    Loan ProcessRates

    Reviewed Dec. 28, 2019

    I don't know how this company received a decent rating. The interest rate is off the charts. $8900 for a $4000 loan is ridiculous. Don't set yourself up for failure, they are no better than the bill collectors that you are trying to get rid of. It's a shame that they can get away with charging 98% interest, yes my credit score was low in the 600 something range but they are utterly shameful.

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    NetCredit
    Response from NetCredit

    Hi Renee,

    We appreciate your feedback and understand that not everyone’s financial situation is the same. Our mission is to provide opportunities for consumers to get fast and easy access to the credit they may not find with other lenders.

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    Customer Service

    Reviewed Dec. 24, 2019

    I am very pleased with the customer service and how easy it was to apply for a loan. I had a response back in 5 hours and my money was in my account the next morning. After l repay this loan I will definitely be doing business with them again and will refer anyone looking for a loan.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 14, 2019

    Great and quick service, no waiting time and had my funds same day as approval. Customer service was outstanding, approval process was not complex at all. Funds were delivered to me as promised with no delay. Will most definitely share your company with friends in need.

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    Customer ServiceStaffLoan Process

    Reviewed Dec. 14, 2019

    Twice during the experience it seemed like your right hand didn`t know what the left hand was doing. 1st man told me to get benefits info and bank info, then lady called 15 minutes later said bank info already received. Went to Staples to fax benefits info. Later I was told they needed bank info, so I had to return another day to Staples to fax that info. Then I was told the form I sent concerning benefits was wrong which was the only one I received from the office of personnel management. But after all the confusion, my application was approved and I thank you for that.

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    Customer ServiceLoan ProcessTransparency

    Reviewed Dec. 14, 2019

    I was pleased that I was approved for the amount I desired. The process was well explained, simple to accomplish and the customer service aspect was terrific. I recommend NetCredit to anyone looking for short-term financing. There are many others out there who make promises to prospective borrowers and then fail to deliver for them. You will not be frustrated if you choose to work with NetCredit. In fact, you will most likely be quite impressed, as I was.

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    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Dec. 13, 2019

    The process to apply for a loan was not complicated. Website was easy to navigate. Quick response to the approval of the loan. Was quite surprised how fast the loan was received in account. Overall please with the process. Definitely will recommend.

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    Verified purchase
    Loan Process

    Reviewed Dec. 13, 2019

    My experience with the whole loan process was better than I expected. It was easy to follow online and very helpful in processing my information for the loan. I would definitely recommend them to my family and friends for their financial needs.

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    Verified purchase
    Loan ProcessRates

    Reviewed Dec. 12, 2019

    The expediency of the loan process from Net Credit is what I appreciate! The streamlined application was simple and hassle free. The trade off is high interest rates but, payoff with no penalty is a plus. Thank you, Roy

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    Punctuality & Speed

    Reviewed Dec. 11, 2019

    I was able to refinance and get additional monies quickly. It came in handy at the right time. I also liked the new amortization schedule and the new amount due. Very easy to and good to deal with. Will use them definitely again in the future.

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    Customer ServiceOnline & App

    Reviewed Dec. 8, 2019

    NetCredit's opt-out, on the website or by phone, requires you to provide your social security number. If you call customer service to tell them to take you off their mailing list and stop sending you pre-qualified loan offers, they will not. They state that you must do the opt-out process as they do not send out the offer letters. So if a third party has your social security number and is sending out loan offers for NetCredit, what is going on there? I will not provide my social on the web or on the phone in an automated system and nobody needs your social security number to take you off their mailing list. So something shady is going on here. I'm looking right now who to report this to.

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    NetCredit
    Response from NetCredit

    Hi Heidi,

    We hold ourselves to the highest standard when it comes to protecting your personal information.

    NetCredit considers the privacy and confidentiality of every customers as a top priority. We follow all best practices and regulations when interacting with our customers. For more information or assistance with the opt out process, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Punctuality & SpeedStaff

    Reviewed Dec. 4, 2019

    Very helpful. Loved it. Will do it again if needed. Was fast and friendly. They did what they said they would. Very happy. Will tell my friends where to go. Look forward to long and happy time with them.. If I have a loan need in the future I know where to go..

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    StaffLoan Process

    Reviewed Dec. 4, 2019

    I humbly thank all that was involved and included to make this a success. It was very little work that made the experience that much enjoyable. I cannot name them all by individuals but it's hard to beat! I am a stickler for quality and professionalism.

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    Customer ServiceStaffLoan Process

    Reviewed Dec. 3, 2019

    Getting this loan was a bit of hassle but I’m happy I got it! The only bad part is their customer service. Out of all the times I spoke to someone I only spoke to maybe 3 people who were friendly and super helpful, the other times they all had attitude and wasn’t really listening to what I was saying and I had to keep repeating myself. But with all that said the loan payments and principal is all broken down for me which I love. I know exactly what I’ll be paying each time and what my remaining balance will be! Super easy!

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Nov. 30, 2019

    My experience was great and fast NetCredit is the best. I didn’t have any issues after changing my banking information. Customer service was knowledgeable and helped the best way they could. Customer service is excellent and the workers answered any questions I had.

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed Nov. 28, 2019

    The process from beginning to end was quick and easy. I've used this company twice for quick finance solutions and process each time was simple, use loans for quick finance solutions not long term, I would recommend to friends as short term financial solution.

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    Loan Process

    Reviewed Nov. 23, 2019

    I received confirmation that my loan was reviewed and approved. It was to be deposited the next day. There was no deposit made into my account. It turns out my account was missing one number. If they reviewed my account you would think they would have caught. Now I am in a bind and I have to wait for the money to be returned and reapply.

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    NetCredit
    Response from NetCredit

    Hi Kathy,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Customer ServicePunctuality & Speed

    Reviewed Nov. 22, 2019

    Very quick, no hassle. Simple and so quick. I didn't know the money was already deposited in my account. I didn't get an email until 2 days later, so for a moment I didn't know if i got the loan or not until today.

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    Customer ServiceStaffLoan ProcessTransparency

    Reviewed Nov. 22, 2019

    Poor communication during the application process. Appreciated the emails but when I called most of the representatives were giving me different information each time I called. Glad I was approved but I was getting very frustrated and almost decided to cancel this loan process.

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    NetCredit
    Response from NetCredit

    Hi Sharon,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Staff

    Reviewed Nov. 22, 2019

    I was very very impressed with the help that I received. I will refer more people to you guys because the service was great even though I had a hard time until I spoke with this one guy who was very patient and helpful. I wish I knew his name because he was outstanding and that kept me out a lot and receiving this long. Otherwise I was about to give up but thanks to him. I'm in debt.

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    Verified purchase

    Reviewed Nov. 21, 2019

    I was baited and switched. Was told I was borrowing more money then the money disappeared. Now I pay 2 times month and my payment lower by $5. No additional funds. Check your recorded calls. Spoke to 5 different reps. Got 5 different answers.

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    NetCredit
    Response from NetCredit

    Hi Selina,

    We are sorry you were not able Borrow More Money at this time. Eligibility criteria can change over time, and you may become eligible to apply for a refinance in the future.

    Find out more about NetCredit’s refinance options: https://www.netcredit.com/refinance

    Verified purchase
    Loan Process

    Reviewed Nov. 21, 2019

    Thank you so much for trusting me with the loan amount that I really need. My auto is now being repaired. I was very surprised to wake up to find that my loan had been approved. Once again thank you very much.

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    Customer Service

    Reviewed Nov. 18, 2019

    I just want to thank you. I have been feeling overwhelmed. Then your letter came in the mail. I appreciated your professionalism and having everything available to read and to answer all of my questions. I've been paying off some nasty people who have tried to block me so I just divided the payments and paid them off. The computer was happy (:. Thank you so much.

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    Loan ProcessRates

    Reviewed Nov. 17, 2019

    Good experience. I was denied the first time maybe was asking for too much. But started working on lowing my credit usage, asked for a smaller amount and got the loan. First loan, interest is pretty high but I am hoping this will help with my credit as well and I can pay it off sooner.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Nov. 16, 2019

    Very professional and a quick process and respond. Submitted documents is very quick and they response also very quick, which is very important when you need this type of loan, not too much harassment with questions or details. They go right to the point yes or not. This is very important.

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    Customer ServiceStaff

    Reviewed Nov. 16, 2019

    They were very professional and helpful and pleasant and accommodating and took their time to assist me and that MEANT a lot to me. I call that Great customer service and I would recommend friends and family to you. Thanks for being a Blessing.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Nov. 15, 2019

    NetCredit for me was fast and friendly service. Thanks for doing a great job. I have tried to work with other loan companies and it didn't go as fast and friendly as it went with NetCredit. Thank you.

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    Verified purchase
    Punctuality & Speed

    Reviewed Nov. 14, 2019

    Great fast application with Money in the Bank the very next day! If you need a fast reliable loan, the NetCredit is the place you should look to first. You have the option to set your loan amounts and how fast you want to pay it off. Thanks????

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    Verified purchase
    Loan Process

    Reviewed Nov. 13, 2019

    Experience with refinancing my loan was done in a manner that was outstanding. The use of the system was easy to use and follow through the process. Having everything done made it easy to complete and time it took was terrific.

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    Loan ProcessRates

    Reviewed Nov. 11, 2019

    Net Credit is a loan shark of the worst Pay Day Loan rip-off scandalous type of place you could imagine. They do things like charge 150% interest to people who can least afford it. They will prey on you if you’re in a jam and demand payment back of up to 3 times what they loaned you. If you try to dispute or lower your interest rate to get it paid off they will threaten you with hits to your credit score. They are taking money from the poorest Americans and are sitting on so much cash that they are now sending out surveys to their customers about other business enterprises they may be able to explore, including opening a “real bank”!! Go to family, go to your employer, but do not go to Net Credit!!!

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    NetCredit
    Response from NetCredit

    Hi Paige, We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback.

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    Punctuality & SpeedLoan Process

    Reviewed Nov. 9, 2019

    My experience with NetCredit great, I can't believe how fast my loan was approved and in the bank the next day. That was the first time ever I didn't have any kind of issues with a loan company. Once I pay this off I will definitely use them again and recommend them to my friends and family. Thank you very much.

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    Loan Process

    Reviewed Nov. 9, 2019

    The process was easy and straightforward. Everything worked out exactly as promised by Net Credit. I am very pleased to do business with them. I have tried these opportunities with other companies in the past and it was unlikely for me to try this one but I did try it and I'm glad I did.

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    Customer ServiceStaffLoan ProcessTransparency

    Reviewed Nov. 8, 2019

    The Loan process was nice and easy. The customer service person was very helpful and friendly walked me through the entire process with ease. I received my money very fast through direct deposit just the next day as they promised. I enjoyed doing business with Net Credit and I highly recommend it to my friends and family.

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    Online & AppStaff

    Reviewed Nov. 7, 2019

    The Net credit employees that I worked with, were very helpful. I was having some problem filling out the online app., so I called the phone number. They walked me thru the app. in a polite and informed manner without making me feel stupid.

    Thanks,

    MIchael

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    Punctuality & SpeedLoan Process

    Reviewed Nov. 7, 2019

    I love NetCredit and I don’t write many reviews but this is worth it! When everyone else denied me and wouldn’t approve me they did! A complete blessing! I would recommend them to anyone and the process was simple, easy and fast!

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    Loan Process

    Reviewed Nov. 7, 2019

    Great service, Great web interface, Great timeline, Great payment schedule. Note: Not a great loan company. This service is not meant to replace the bank or any traditional loan institutions. But a Super Fantastic emergency funds company. 5 stars for service and all around convenience.

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    Staff

    Reviewed Nov. 7, 2019

    Your representative was very caring and compassion, So I thank her from the bottom of my heart. So I will recommend her in any of my friend and to your company. She is very valuable employee to your company. Once again thank you from the bottom of my heart.

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    Loan Process

    Reviewed Nov. 7, 2019

    I never received the loan proceeds. I have only 1 checking account and the funds have NOT been deposited to that account 3 days after approval. The Net Credit people keep saying it's on its way. And they are already billing me.

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    NetCredit
    Response from NetCredit

    Hi Michael, We’re sorry to hear this, and want to thank you for providing valuable feedback. Please contact our NetCredit Customer Service team at (877) 392-2014, and we will investigate this for you.

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    StaffLoan Process

    Reviewed Nov. 6, 2019

    I have had nothing but good experience. Thank you for your good and friendly employees. They have been so helpful and for now this is all I have to say and I will encourage others to go to this company when they do need help again. Thanks.

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    Punctuality & SpeedOnline & AppLoan Process

    Reviewed Nov. 5, 2019

    The application process was quick and easy. Turn around even better! Highly recommend! Such a pleasure to work with the company. The help given will make a huge difference in our life. To accomplish with such ease was a blessing. Deeply appreciated.

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    StaffRates

    Reviewed Nov. 4, 2019

    These shysters take advantage of people who need help. Instead they screw you over with insane terms. 64% interest on a $4,000 loan and after paying $250 a month for the last year they have applied 0 to my principal. Yep, $3,000 paid to them and I still owe the original $4,000. The Attorney General's office needs to investigate these crooks. Avoid this evil company at all costs.

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    NetCredit
    Response from NetCredit

    Hi Bradley, We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014.

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    Punctuality & SpeedLoan ProcessRates

    Reviewed Nov. 2, 2019

    My experience at first was not good because I wanted to know if I could pay the loan off early. I was not given the right information, I finally found out that I could pay the loan back at any time, I would just have to pay the interest.

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    Punctuality & SpeedTransparency

    Reviewed Nov. 1, 2019

    The process was very clear and concise and was very easy compared to most online applications. The information I entered was easy to come by. The processing from your side was very fast. The communication after I finished was clear and easy to understand. I very much appreciate your approval!

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    StaffLoan Process

    Reviewed Oct. 31, 2019

    Overall experience is a 10...very friendly and very professional. The young lady went step by step with me through the application. Any questions or concerns she was there to help me. I want to give my big thanks in helping me out.

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    Loan Process

    Reviewed Oct. 30, 2019

    You guys made me so happy. I was so overwhelmed with being approved and it is helped me financially. Thank you so much for your confidence in me. Dreams do come true and you for filled my dream with approving me for this loan.

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    Customer ServicePunctuality & SpeedOnline & AppStaff

    Reviewed Oct. 29, 2019

    Fast and friendly. Website is very easy to use and navigate. When I needed extra help I called and the wait time was less than 7 minutes. They also offer callback so you can do what you need to and not lose your place in line. The customer service representative was very helpful. Answered all my questions as well as gave other helpful info.

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    Customer ServiceRates

    Reviewed Oct. 28, 2019

    From the application to the approval I would highly recommend NetCredit. Customer service was spot on and for someone like me with not so perfect credit I can not thank you enough for giving me a loan. While my interest rate was high that is to be expected. In a pinch NetCredit still came through!

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    Punctuality & SpeedLoan ProcessRates

    Reviewed Oct. 25, 2019

    Net Credit is right on time. They do what they say and it does not take them long. Thanks Net Credit for helping me when needed. One thing though your interest charges are just too high. People need quick money but sometimes y’all make it hard with high APR and interest. The amount you pay back on the loan is tripled what you borrowed. Now that’s wrong but I guess that’s how you stay in business beating the poor man down.

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    StaffRates

    Reviewed Oct. 24, 2019

    I was really nervous about getting a loan any where online but with my credit score so low at the moment, I didn’t have many options. Net Credit exceeded my expectations, loaned me the funds and totally helped get me out of a tight spot. Yes the interest rate is high but you have to expect that & you can pay it off earlier without a fee, thus reducing the amount of interest you pay. I am thankful they agreed to work with me when others would not. I recommend this company 100%! Thank you!!

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    Reviewed Oct. 24, 2019

    Can't believe that I can not give zero stars. Can't believe that I can not give zero stars. This company is worse than check advance. I have been paying $162.83 every 15 days for two months and have reduced my $2,600.00 balance by less than $8.00. This was copied from their web site: Wednesday, July 10, 2019 $2,600.00 was funded. As of October 24, 2019 my balance is $2,592.27.

    I have paid more than $651 in payments and have reduced my balance by less than $8.00. If you want to be scammed - this is the company you want to go with! I will stop paying and will spend the next $651 in legal defence for class action lawsuit. If you do this, you are a fool. This is the worst thing that I have ever done. This is just wrong! Ask a relative, ask anyone. Anything is better than this. They said Twice a month, but it is really every 14 days. Always surprised by their withdrawal days. You will lose a fortune if you agree to this! Don't do it. Find something else!

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    NetCredit
    Response from NetCredit

    Hi Don, We’re sorry to hear this, and want to thank you for providing valuable feedback.

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    Punctuality & SpeedStaff

    Reviewed Oct. 23, 2019

    Great service. Yes I would recommend this company. It was very fast and I'm my bank acct the same day. So if you have an opportunity to work with this company I would say yes go for it.. Your won't be disappointed.

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    StaffLoan Process

    Reviewed Oct. 23, 2019

    Your loan process is fair and accurate. I just want to say thank you for the funds. Please keep up the good work with your professional staff, they helped me as I waited for your decision. I am looking forward to repaying the loan because you also made that easy with it being debited from my account. Yes, I will recommend you to family or friends, thank you again.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Oct. 22, 2019

    Over great service. Customer service on weekend was great. First time using them great experience and would recommend to friends and family. Easy process and quick funding. Application was processed and approved same day. Not much else I can say at this point.

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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