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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 2 Reviews 35 - 75
    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 4, 2026

    It was fast and easy. Very much appreciate that. I had no issues and everything was easy to understand. I had no need to call and ask questions. Everything I needed to know what on the online site. The money was direct deposited fast and I was able to access it and use it as I needed.

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    Verified purchase
    Punctuality & Speed

    Reviewed Aug. 4, 2026

    Simple, fast, money came when expected. Great service. I am completely satisfied with my experience. I entered all of my information and received an answer in less than 3 minutes, the entire process took about 15 from start to finish.

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    Verified purchase
    Punctuality & SpeedTimeliness

    Reviewed Aug. 3, 2026

    The process was not only quick and easy but also very straightforward. The application process was extremely simple and I recorded my money the same day. I had an unexpected emergency and NetCredit saved the day.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffEase of Use

    Reviewed Aug. 2, 2026

    Easy to apply .. prompt approval and connection with bank. Very informative along the process. User friendly. Easy to navigate site and I appreciated that customer service number is included in all correspondence.

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    Verified purchase
    Punctuality & SpeedBillingTimeliness

    Reviewed Aug. 1, 2026

    I had a ln emergency with one of my fur babies. The Vet bill was a lot more than we expected. This was such a fast and easy experience. Funds deposited same day a few hours after approval. 💯 Satisfied and will recommend to friends and family. Thank you for the prompt assistance!🙏

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed July 31, 2026

    Although I appreciated the speedy approval, I was disappointed when I saw 10% of my very small loan amount deducted as a "convenience" fee (their convenience, not mine). A smaller fee might have been acceptable, but since they lowered my original, requested amount, their "fee" will only make it harder for me to use this loan.

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    Refunds & PayoutsLoan Process

    Reviewed July 30, 2026

    I borrowed money from NetCredit. The repayment amounts were so high that now I am in collection with Netcredit. Do not take a loan out with company if you can't repay the money back with their high amounts every month.

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    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedLoan Process

    Reviewed July 29, 2026

    Great service, quick response. The privilege fee of 300 is crazy, just to use loan you qualify for seems like a scam to me. Other than that everything went great.

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    Verified purchase
    Punctuality & SpeedStaffBillingRatesTimeliness

    Reviewed July 29, 2026

    Experience was easy and fast. Checked rates and schedule of payments beforehand. Can make extra payments no penalty payoff early. It was easy to guide through application. Received money same day. Used automatic payments so always on time.

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    Verified purchase
    Staff

    Reviewed July 29, 2026

    I love that this process was user-friendly and the 3 Representatives I've talked with were amazing but one stood out. His name was Kaleb. He was so professional and courteous, explain everything I needed to know, I truly appreciate the time he took to make sure I was satisfied. Stellar Job Kaleb!!!

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 28, 2026

    The process was extremely easy and the response time was really fast. Customer service is excellent. You don’t even have to visit a store; you can process everything right online. You don’t have to chase down any pay stubs because your banking information is verified through Plaid.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed July 28, 2026

    I’m very very grateful for Net Credit. They got my application. Got me approved. Money sent to my bank Immediately. Thank You Net Credit. 🙏 I advise everyone to give net credit a try. The service was fast and helpful…

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    Verified purchase
    Punctuality & SpeedStaffTimeliness

    Reviewed July 27, 2026

    My experience with NetCredit from start to finish was easy, fast, and completely stress-free. The application process was simple, the instructions were clear, and I was kept informed every step of the way. I was pleasantly surprised to have the funds deposited into my bank account the very same day, which really helped when I needed them most. I truly appreciate how smooth and efficient the entire process was. Thank you, NetCredit, for making the experience so quick and hassle-free!

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    Verified purchase
    PriceStaffBilling

    Reviewed July 27, 2026

    I needed funding for my daughter's back school supplies. Right now only one income is coming in for bills and everything else. Thank you for your help with this. I know it's a little pricey but no one else will help.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed July 26, 2026

    My loan experience was really quick and extremely convenient for my needs. I greatly appreciated the warmth of a conversation I received over the phone with the representative. I would definitely recommend this place to anyone who is looking for a loan for themselves.

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    Verified purchase
    TechPunctuality & SpeedStaff

    Reviewed July 26, 2026

    This was very easy to process from start to finish. Pull it up online and turn my information. They came back. I was totally thrilled and happy with the results. I did have to wait till the end of the day for my bank to process it. But everything worked out wonderfully, and the options for repayment were very easy to go through and understand.

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    Verified purchase
    Punctuality & SpeedLoan ProcessHonesty & Transparency

    Reviewed July 25, 2026

    NetCredit is a good place to borrow a loan. It's quick and easy as 123 as long as all your information is truthful, honest and correct. I would recommend NetCredit to anyone who is really in need of a quick loan to do whatever problems comes up unexpectedly. Thank you NetCredit for being there when I needed you.

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    Verified purchase
    Staff

    Reviewed July 25, 2026

    Net Credit came through for me at my lowest time. I was made to move from a new owner, and in the process of still moving out my belongings the new owner broke the lock on the house and took my remaining things and trashed them. This helped me replace some of the things that were stolen from me. Thank you NetCredit!

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    Verified purchase
    StaffEase of Use

    Reviewed July 25, 2026

    Great. I give Netcredit a 100% out of 100%. Easy to navigate. The representatives are excellent and professional. The money arrived in my account right on time. I really appreciate you all. You are a blessing and a help in my time of need. I will be referring you to everyone I come in contact with. And I hope they have a great experience with you as well. Thank you all so much.

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    Verified purchase
    Customer ServiceOnline & AppStaff

    Reviewed July 24, 2026

    Without Net Credit, I'm basically insolvent. Their easy online application and customer service helped me survive. I highly recommend Net Credit for all your financial needs. Thank you, Net Credit. All you need is a checking account, proof of income and you're on the way to getting on with your life.

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    Verified purchase
    Customer ServiceContract & TermsPricePunctuality & SpeedStaff

    Reviewed July 23, 2026

    Great service, quick response and fast delivery. Quick, easy and affordable. Love the process and my plan arrangement‼️I am definitely sending friends and family to apply. I know it helped me during a rough time and for that I'm spreading the word

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    Verified purchase
    Punctuality & Speed

    Reviewed July 23, 2026

    The application process was quick & simple to get through. I applied over the weekend, received the deposit in my bank account on Monday and their repayment options fit well within my tight budget. I would recommend NetCredit for when in need of money in a pinch.

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    Verified purchase
    BillingLoan ProcessRates

    Reviewed July 22, 2026

    It was easy to get the necessary loan. The process did not take too long. The only reason that I did not rate it a five star is because the interest rate is high and the payments are higher than it said it would be.

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    Verified purchase
    Punctuality & SpeedBillingTimeliness

    Reviewed July 21, 2026

    Netcredit was fast and easy. Had my funds the next day. Very simple process. Looking forward to paying it for the first time when due. If the application took 3 minutes and was self explanatory, then I'm sure payments will go just as simply.

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    Verified purchase
    Customer ServicePunctuality & SpeedTransparency

    Reviewed July 21, 2026

    Very fast and detailed service. When you create your account online, it has every type of information needed. They said I would receive money in my account by a certain date and it did. They keep you updated with emails.

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    Verified purchase
    StaffBillingTimeliness

    Reviewed July 18, 2026

    I was needing funds to take care of an auto repair that is seriously needed. I applied to NetCredit and was approved within the hour, and the funds were put into my account by the next day. They are a lifesaver. The payment is low and the terms are simple. Thanks to NetCredit for helping me out when I needed it.

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    Verified purchase
    Sales & MarketingPunctuality & SpeedOnline & AppTimeliness

    Reviewed July 18, 2026

    I can’t believe it was so easy and fast. I did have a hard time at first with the app, but is because I had to remove Pop up blockers, and after that it went smooth, I got the money the next day. Thanks.

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    Profile pic of the author.
    Sales & MarketingRefunds & PayoutsLoan ProcessRates

    Reviewed July 17, 2026

    An absolute scam. If you're in a tough spot, try elsewhere. Masked as a "cash advance", but they are loans that are hidden with insanely high interest rate. You can with what you will pay for a cash advance here.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 17, 2026

    Service was efficient, excellent and wasted no time in getting a quick response, Their timing was perfect. Netcredit gets no complaints from me. Thanks you. You responded yes when l got no. Thank you so very much.

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed July 17, 2026

    Very easy and good secure services with this loan company. And was in my account quickly when I needed the money. I would definitely recommend this company. NetCredit is basically easy and efficient to work with. I enjoyed the experience, good to know for future loans when needed.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed July 16, 2026

    I'm very pleased with my experience. The company was fast, efficient, and made the whole process easy. This is definitely a company I'll do business with again. Is a Fantastic experience. This was one of the easiest loan experiences I've had. The process was fully online, quick, and easy to understand.

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    Verified purchase
    Staff

    Reviewed July 14, 2026

    I truly appreciate this legitimate company for providing valuable support to individuals facing financial challenges. Thank you for your commitment to helping those in need and making a positive impact in many lives.

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    Verified purchase
    Customer ServiceOnline & AppStaff

    Reviewed July 12, 2026

    The first person helped me all the way through even when I was having trouble on my phone. He was very patient and nice. The second person helped me. Was very nice also. It was an easy process if I knew how to work the phone I had.

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    Verified purchase

    Reviewed July 10, 2026

    The process of completing the application was simple. The time between completion and the deposit was just a few hours. Repayment terms clearly stated. Very easy transaction. I would recommend NetCredit and I would use them again.

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    Verified purchase
    Loan ProcessRates

    Reviewed July 8, 2026

    GREAT experience. It was exactly what I needed. I was leery at first but I took the time to read over everything and it was exactly what I needed. Easier for me to pay down a loan this way instead of large sums at the beginning of every month in just interest. This is great!!

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    Verified purchase
    Sales & MarketingPunctuality & SpeedLoan Process

    Reviewed July 7, 2026

    I needed a short term loan to pay something I had come up..This one was super Fast and easy per the advertised announcement however I have heard that before so I was a bit skeptical..but I am glad to say it was exactly as promoted. Fast and Easy

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed July 6, 2026

    It was very easy and quick to get a loan and I did all online. Would definitely get another loan with them if needed. I didn’t have any issue with filling out the paperwork or have to send all this information so that I could get approved.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 6, 2026

    I loved the ease, and pace of response, quick and easy is definitely a plus. I highly recommend. Whenever an emergency arises a good option would be NetCredit. They will see you through the difficulty, in most cases without hassles. Consider NetCredit when times are rough and no one else will help.

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    Verified purchase
    StaffBillingEase of Use

    Reviewed July 5, 2026

    The process was easy and faster than I expected. I understood the expectations and how the billing works. Appreciate the ease of borrowing money to help with unexpected bills. I know what I need to pay and when, and the web dashboard is easy to navigate.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed July 4, 2026

    Netcredit is amazing and very helpful when in financial stress. They work with everyone and really help you out the best they can. The process was quick and easy and get approved in minutes. Applying won’t hurt your credit score and they work with low credit scores.

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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