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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?
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    Page 3 Reviews 75 - 225
    Verified purchase
    Punctuality & Speed

    Reviewed July 4, 2026

    Applying for a credit line couldn't have been any easier! From start to finish, the entire process was fast, simple, and completely hassle-free. The application was straightforward, and I was pleasantly surprised by how quickly I received my approval. There were no confusing steps or unnecessary delays, making it one of the smoothest financial applications I've ever completed. If you're looking for a quick and stress-free way to establish a credit line, I highly recommend giving this a try. I was extremely impressed with how efficient and seamless the entire experience was!

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    Verified purchase
    Punctuality & Speed

    Reviewed July 4, 2026

    The experience was fast and effortless. Once I gave all my information I was given an answer in less than 15 minutes and my deposit was given in less than 24 hours even though it was close to a holiday weekend. They were awesome.

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    Verified purchase

    Reviewed June 30, 2026

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

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    Verified purchase

    Reviewed June 29, 2026

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

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed June 29, 2026

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

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    Profile pic of the author.
    Contract & TermsSales & MarketingPriceLoan Process

    Reviewed June 28, 2026

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

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    Verified purchase
    Punctuality & Speed

    Reviewed June 27, 2026

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

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    Verified purchase
    StaffLoan Process

    Reviewed June 26, 2026

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

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed June 25, 2026

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

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    Verified purchase
    Contract & Terms

    Reviewed June 24, 2026

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

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    Verified purchase
    Customer ServiceTimeliness

    Reviewed June 22, 2026

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

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed June 22, 2026

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

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    Verified purchase
    Punctuality & SpeedBilling

    Reviewed June 20, 2026

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

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    Verified purchase
    Customer ServiceStaffTransparency

    Reviewed June 18, 2026

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

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    Verified purchase
    Staff

    Reviewed June 17, 2026

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

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    Verified purchase
    PricePunctuality & SpeedStaffTimeliness

    Reviewed June 14, 2026

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

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    Verified purchase
    Customer ServiceStaff

    Reviewed June 14, 2026

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

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    Verified purchase
    Punctuality & Speed

    Reviewed June 13, 2026

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

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    Verified purchase
    Punctuality & SpeedFollow-Through

    Reviewed June 12, 2026

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

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    Verified purchase
    PriceBillingLoan ProcessRates

    Reviewed June 12, 2026

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

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    Verified purchase
    Customer ServiceSales & MarketingOnline & AppStaff

    Reviewed June 11, 2026

    Steve was wonderful to work with, very helpful and informative with the app and directive with the issues I had this morning I encountered with my first call, which probably wasn’t her issue at all. I appreciated the help. Thank you both.

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    Verified purchase
    Staff

    Reviewed June 9, 2026

    You guys are the best. You came through for me when I was at my lowest with no help and you guys helped me. Thank you so much!!!!!

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed June 6, 2026

    Money was deposited quick. Came at the perfect time. I highly highly highly recommend this service if you're needing a loan, just make sure you have all your ducks in a row before you apply for the loan like I did so the process goes smooth and easy for both parties. The quicker you have all documents uploaded, the quicker your money will be deposited.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed June 6, 2026

    Getting a loan from Netcredit was quick and easy for when I was in much need of extra financial help in making a repair to my 5th wheel RV that I live in year round. They were literally a life safer for me.

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    Verified purchase
    PriceStaff

    Reviewed June 5, 2026

    The overall experience was professional and straightforward. Many questions and information shared were electronic and when speaking with a representative they were professional, friendly and patient. The terms for the process were reasonable and affordable. Great resource for any need! Highly recommend this service!!!

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed June 4, 2026

    The entire experience was very smooth and fast. After submitting the required documents it all moved quickly, and I received the funds I requested in a short time. I am happy that I found NetCredit and was able to take care of some things immediately. Thank you NetCredit!

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed June 4, 2026

    My experience with NetCredit was very good. The staff I spoke with were very pleasant and helpful. There were some mistakes made on my part, but we were able to correct and resubmit. There were a few issues that were quickly resolved, including the upload of documents, where NetCredit was unable to read, and again, the staff personnel were able to correct. I was very impressed with NetCredit, especially their personnel, who were very helpful, patient, and professional.

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    Verified purchase
    TechMaintenanceStaff

    Reviewed June 4, 2026

    My dog got hit by a car and had his pelvic broken. My care credit was tapped out from my other dog. I needed funds that day and I got them. My vet is happy and my dog is on the mend. Prayers are needed. His name is Willie. Thank you so much to Net Credit and there is no underlying conditions. Read the contract. I'm very pleased!

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed June 4, 2026

    My experience was excellent. It was quick and easy, no questions asked, I immediately was approved. I will definitely keep them in mind for future emergencies. By the following day my loan was already in my bank account.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed June 3, 2026

    Very easy to get the loan application approved and money request process was fast... definitely use again should the funds be needed.... Great experience with the people that responded to my phone call. Very polite and courteous... happy I did business with them.

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    Verified purchase
    Customer ServicePriceBilling

    Reviewed June 3, 2026

    Highly recommend service, affordable and the customer service experience is phenomenal. If you struggle with credit card bills, high amount of debt or simply need extra cash on hand, NetCredit is your go to place for affordable advances.

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    Verified purchase
    Sales & MarketingOnline & AppStaffLoan Process

    Reviewed June 3, 2026

    Awesome to do business with. Highly recommend Net-Credit they are willing to help people out when lives unexpected events happens. Thanks to Net-Credit and their team I was able to get the funds needed to get my truck fix . When you hear on their website or advertisement credit to the people those are true words. Net-Credit is willing to help you out when other loan agencies will not.

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    Verified purchase
    Customer Service

    Reviewed June 2, 2026

    Took me about 6 times to get approved other than that it was ok. Communication was kinda poor and details on what was needed. Had to submit the same paperwork over and over again before finally being approved.

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    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppLoan ProcessTimeliness

    Reviewed June 1, 2026

    The most hassle free loan I’ve ever applied for and received within the same day. No surprises and no long approval process. I answered the questions on the website while waiting to board my flight, before my group was called to board I had an approval. The funds were in my account before my flight landed in Las Vegas.

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    Verified purchase

    Reviewed May 31, 2026

    I really enjoyed my experience. They looked out for me at a moment when it was very needed. Seemed very upfront. No issues at all. Gave me what I had asked for. With no problems. Look forward to doing more with Netcredit in the near future. Thanks.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed May 31, 2026

    You guys are quite amazing professionals and taking care of me in my time of need with some quick funds. I appreciate you guys so much. 😄 Being able to get funds this quickly is vital for me and I will be a good customer when I return the funds in full soooon. God bless. You're great.

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    Verified purchase
    Staff

    Reviewed May 31, 2026

    I was given financial help when others turned me down. The application took about 5 to 10 minutes and it helped me get my life back on track and I am grateful that I was able to get the help I needed.

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    Verified purchase
    StaffLoan Process

    Reviewed May 30, 2026

    I was approved for a Line of Credit within 2 days and it only took one day for the cash to deposit in my account. I encourage those that have been trying to get a Loan to contact NetCredit. I am so grateful that NetCredit took a chance on me and helped me get what I needed. Thanks NetCredit!🤗

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed May 30, 2026

    Entire process handle with care and everything explained thoroughly. Loan sent to my account quickly and correctly. No Problems encountered. Very satisfied with my experience and will recommend to friends.

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    Verified purchase
    StaffLoan ProcessRates

    Reviewed May 30, 2026

    I totally appreciate Net Credit for them not having totally unbearable interest rates. I understand the loan business and I respect them all. This has been the best situation I have been in choosing loans

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    Verified purchase
    Punctuality & SpeedEase of UseTimeliness

    Reviewed May 29, 2026

    Application was easy to use and approval turn around time was quick. Requesting fund is also quick, easy and deposited into your personal bank account on the same day. I would recommend to friends and family.

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    Verified purchase

    Reviewed May 29, 2026

    I received the money before time and was glad about it. Wish it could have been more to carry me through the summer. Thank you again. I will use this company in the future if needed. Thanks to a scammer, I found you. True story.

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    Verified purchase

    Reviewed May 29, 2026

    I'm pleased to say this was a very non-headache, no hiccups easy experience. Probably the easiest. I would have given you a five star but there's always room to improve. Thank you.

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    Verified purchase
    Punctuality & Speed

    Reviewed May 28, 2026

    I'm really impressed with NetCredit. My credit score wasn't in great shape, but they still gave me a chance when others wouldn't. The application was simple, the approval was fast, and the terms were clear. I'm very satisfied with the service and appreciate being treated like more than just a number.

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    Verified purchase
    Staff

    Reviewed May 28, 2026

    The staff is very helpful and I recommend every single one of them. The way the account is set up not letting you know how to send proof of income is a big problem. The software isn’t set up right or the directions are not clear online which, leads to delays and having to start over. Other than that, they’re fine.

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    Verified purchase
    Online & AppStaffEase of Use

    Reviewed May 28, 2026

    The online application was easy to use and once I sent the required information the process went pretty smoothly. It really helped me take care of my necessary stuff. The turnaround time was very good.

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    Verified purchase
    Punctuality & SpeedOnline & AppStaffEase of UseTimeliness

    Reviewed May 28, 2026

    The whole process was super easy and smooth. I was impressed on how user friendly the website is and how quickly everything was completed. I received an approval and the requested funds on the same day! Beyond happy with my experience with NetCredit.

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    Verified purchase
    Punctuality & Speed

    Reviewed May 27, 2026

    Getting approval was quick and the money was in my account later that day. I was very pleased as it came in right on time. I have had no issues and I completed the entire process online. I would recommend NetCredit to my family and friends.

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    Verified purchase

    Reviewed May 27, 2026

    The process to enter documents was slightly confusing but eventually got them sorted. It didn’t accept a couple of income proof so had to resubmit. I was sent to this site from a friend so I am happy that it was approved.

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    Verified purchase
    Punctuality & SpeedStaffTransparency

    Reviewed May 26, 2026

    They made the process very easy, fast and professional. I'm looking forward to doing business with them for the first time. Also for the first time, I read all of the disclosures. They are very transparent and upfront so you'll know what to expect and how to use their service! Thank you, NetCredit.

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    Verified purchase

    Reviewed May 25, 2026

    Line of credit and couldn't transfer any of the dollars. It said contact us with a number. If it's a line of credit then I should be able to withdraw any time as long as it doesn't exceed the approved amount.

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    Verified purchase
    Customer ServiceStaffTimeliness

    Reviewed May 25, 2026

    NetCredit was incredibly easy to work with from start to finish. The application process was simple, communication was clear, and the funds were deposited into my account the very next day. Fantastic company to work with, and I truly appreciated how smooth and stress-free the entire experience was!

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    Verified purchase
    Customer ServiceStaff

    Reviewed May 25, 2026

    I am very happy with the customer service. They helped me with all my questions and concerns. The service is the best. I recommend NetCredit. It is easy to apply and I received the approval instantly and the money was from one day to the next.

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    Verified purchase
    Punctuality & SpeedStaffLoan ProcessTimeliness

    Reviewed May 25, 2026

    I had such a great experience with this loan company! The staff was extremely friendly, professional, and made the whole process stress-free. I got approved right away, and the funds were in my account by the very next day. They explained everything clearly and truly made me feel valued as a customer. I highly recommend them to anyone looking for fast, reliable, and excellent service!

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed May 24, 2026

    Very fast getting my deposit after approval. Only a few hours. I would recommend anyone to do their site because it wasn't like I said. Very fast, very easy and when no one else help they did so if anybody out there is in a bind and needs a little extra cash I recommend you going on their site and applying because if I can get it anyone can.

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    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedStaffTimeliness

    Reviewed May 24, 2026

    I was pleased and grateful for the quick response. NetCredit helped me with an urgent situation. I am grateful and thankful for this. I really thought this was a scam. It's not. However, it was not. Monies was deposited same day.

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    Verified purchase
    StaffTimeliness

    Reviewed May 24, 2026

    They were very helpful and I got the money on the same day…. It was easy to apply …. Everything was done online, explainable and easy to do, I will tell my family and friends about this company…. Thank you…

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaff

    Reviewed May 24, 2026

    Helped me when I needed the most. The process was easy and they got back to me really fast. I appreciate it and it was worth giving them a shot. Thank you. I also never received annoying calls or text messages.

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    Verified purchase
    StaffTimeliness

    Reviewed May 23, 2026

    This experience was extremely awesome. I was in a tough place financially and needed help ... They came through the same day. My stress was relieved immediately. I'm going through some major health issues and adding financial stress wasn't beneficial. They came and saved the day. Thank you so much! I really appreciate it and will share my experience with others.

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    Verified purchase
    Customer Service

    Reviewed May 23, 2026

    Simple and direct action to apply and receive results for funding. Communication was consistent. No issues with this service at all, would definitely recommend it for anyone who needs emergency funds for short term solutions.

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    Verified purchase
    Customer ServiceSales & MarketingStaffLoan Process

    Reviewed May 22, 2026

    Upon applying for a loan with Net Credit I had to fill out the application. I called twice to see if I had everything that was needed and each call the representative went over the details I was missing. I downloaded the missing information and got the loan. It takes time and effort in order to get what you need. I will recommend if you need a loan.

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    Verified purchase
    Staff

    Reviewed May 22, 2026

    My experience with the customer rep is excellent, she's detail oriented person, she's doing it step by step process of navigating the website thoroughly. I can recommend her to people because she's courteous in a manner of longer interaction to fulfilled the questions correctly.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffEase of UseLoan Process

    Reviewed May 21, 2026

    The loan was funded within 24 hours just like promised. I am very happy with the user friendly platform. Thank you for great customer service. I will recommend to family and friends. I will pay as scheduled.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed May 21, 2026

    My experience with Net Credit was absolutely flawless. Quick approval, under 5 minutes. Funds was credited to my checking account the following day. Will recommend anyone. I spoke to a representative after approval and funds was confirmed.

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    Verified purchase
    StaffLoan ProcessHonesty & Transparency

    Reviewed May 20, 2026

    The experience was amazing especially for the first time. It’s was difficult when I started but it’s easier as I go through the application. The process was well clear and understood. Honestly it’s helps a lot and I got the loan the right time I needed it’s. I will inform everyone if you want to get your credit easier come to NetCredit.

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    Verified purchase
    StaffLoan ProcessTimeliness

    Reviewed May 19, 2026

    It was great. Needed a small loan to get truck fixed and I received it the very next day. It was deposited straight to my bank account. I couldn't believe it. It really helped me out so much. Thank you sooooo much.👊👊

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    Verified purchase
    StaffBillingLoan Process

    Reviewed May 19, 2026

    Thank you NetCredit for giving me a chance to build my credit back up. I have searched everywhere for a small loan to build credit and to help with some bills and found nothing, but Net Credit came through. I would definitely recommend Net Credit to friends and family.

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    Verified purchase
    Timeliness

    Reviewed May 19, 2026

    Great service and completed in the same day! I had tried many different companies and before and none of them compare to NetCredit. They treat you like a human with real life situations. I am very thankful and happy!

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    Verified purchase
    Customer ServiceStaff

    Reviewed May 18, 2026

    The staff everyone was fantastic. And trust me when I say I called them I'd say at least 12 times. While my application was in the reviews process. They answered my question with perfect results. 👌

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    Verified purchase
    Loan Process

    Reviewed May 18, 2026

    I had a great experience applying for my loan. Nice and easy application. I’m very thankful for the approval. I will definitely tell family and friends about net credit if and when they need a loan. Thank you Netcredit.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed May 18, 2026

    It was fast and real easy! Thanks. It helps a lot knowing I can count on y'all when I need it. I will be returning customer in the future! And again fast and easy. I give it 5 stars. I got approved overnight and got paid the following business day!

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed May 16, 2026

    Everyone i spoke with was nice and helpful. I got my business done quickly. I was in dire circumstances with only a few dollars in my pocket. I was living in my car for over a week and not getting any sleep. This process saved my life and as a 75 year old woman I thank God for your assistance.

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    Verified purchase
    PriceStaffBilling

    Reviewed May 16, 2026

    Everything was smooth and timely. It was an easy to understand process. While it's kinda of an expensive alternative for income it's great for emergencies. They do not put you through a grueling process and it does help your credit score some with timely payments. Thank you bunches!

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    Verified purchase
    PriceStaffBillingEase of UseTimeliness

    Reviewed May 15, 2026

    The service was great. Easy to use app. You guys were very well spoken when I talked to a representative, and the funds were deposited the next day, and the payments are reasonably affordable so great job, guys. I will be using you guys for a long time to come. Thanks Netcredit.

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    Verified purchase
    TechStaffLoan Process

    Reviewed May 15, 2026

    The overall experience of applying for a Cash Advance loan was very smooth. The agent that assisted me was perfect. She knew the process and was very patient and professional. The length of the contract was quite lengthy. I was very impressed with the short amount of time it took for the funds was available once approved. Overall, I was very satisfied. Thank You.

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed May 14, 2026

    I was very satisfied with the customer service. Quick loan application approval and response about your loan. Best easy and quick loan I ever experience. I will very well recommend them to family and friends.

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    Verified purchase
    Customer ServiceCoverageStaff

    Reviewed May 14, 2026

    Very good service. They helped me along the way. When I had issues with my browser customer service agent helped me troubleshoot the issue. They insured me they had all the documents and correct information. I would definitely recommend Netcredit.

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    Verified purchase
    Customer ServiceContract & TermsPunctuality & SpeedStaffBilling

    Reviewed May 13, 2026

    The funding was reviewed thoroughly, and I called to see about payment arrangements, and the customer service agent answered promptly. The funds were disbursed fast, and I am pleased with this company for helping me in a time of need. Thank you. ☺️

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    Verified purchase
    Staff

    Reviewed May 11, 2026

    My credit score was in the 550's, but Thank you Netcredit for helping me out with a line of credit when I really needed. It was an easy process and everything was clear and to the point. Thank you Netcredit for helping me out financially.

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    Verified purchase
    Staff

    Reviewed May 11, 2026

    Thank you for caring and understanding when others are not willing to work with customers in a time of need. I think that NetCredit has more to offer to customers than other lenders. Again, thank you Netcredit.

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    Reviewed May 10, 2026

    Good emergency fund to have. I use it periodically but rarely have an emergency fund. The only thing I don’t like is the double fee that’s shouldn’t be.

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    Verified purchase
    Staff

    Reviewed May 9, 2026

    I really enjoyed their help. It came a perfect time. Was really needing money and they helped me out with what I needed. So thankful for them. I’m truly grateful to them and plan on paying them back as soon as I can.

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    Verified purchase
    Punctuality & SpeedTimeliness

    Reviewed May 9, 2026

    Great experience, easy approval and fast receiving of funds within hours of approval. I recommend people with scores 600+. It’s better to apply directly on NetCredit. If you get approved before the noon more like you receive funds same day,

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    Verified purchase
    CoveragePunctuality & SpeedRefunds & Payouts

    Reviewed May 9, 2026

    Very fast service!!!, Although was a little disappointed that I didn't receive the funds right away!!, 😔 It finally showed up into my bank, at almost 11:00 PM, late last night in order to pay for my car insurance that I accidentally canceled by mistake!!! Sadly!!! 😭 Luckily I paid for the insurance money, and I have some spare gas money as well too!!! Thanks a lot for everything!!!

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    Customer ServiceCoveragePunctuality & SpeedStaffBilling

    Reviewed May 9, 2026

    Quick and easy and I messed up on my application. They called and fixed it. Would recommend to my friends and my family. Got to be the amount that helped me get through a hard time. And the payments are not bad.

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    Punctuality & SpeedRates

    Reviewed May 9, 2026

    The interest rate is insane of course but was super fast and easy. As long as you get money for a legit emergency that you can quickly pay off, it’s a great thing. Money was deposited within a few hours.

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    PricePunctuality & SpeedLoan ProcessRates

    Reviewed May 9, 2026

    Was fast and reliable, no hassle at all….I would highly recommend friends and family to this company and the interest rate was really great and affordable. This is the place to get your loans so just feel free and relax and reach out.

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    Punctuality & SpeedStaffLoan ProcessHonesty & Transparency

    Reviewed May 6, 2026

    It was very easy and fast, and when I was approved, my money went in immediately. Everybody that I talk to was very kind and very helpful and to be honest, I first thought that I wasn’t gonna be able to get the loan but I got it. They’re very easy to work with.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed May 5, 2026

    Very happy with the experience with Net Credit. Very fast processing time. Very easy & understandable online format. Extremely speedy response with cash advance. Needed cash advance right away & received it! Will recommend this loan company to others who need help & were turned down by others. Very grateful & thankful!

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    Punctuality & SpeedStaff

    Reviewed May 4, 2026

    It was quick and easy to fill out the form. In the aspect of getting a result I got in matter of minutes. Definitely recommend especially to help with bad credit. Will definitely use in the future if necessary.

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    Punctuality & SpeedOnline & AppStaff

    Reviewed May 4, 2026

    Quick and easy and very accommodating for my needs. I appreciate the clear information that was given along with several options that I really needed! Would recommend this a thousand times over. The site is simple to navigate and easy to understand as well.

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    Staff

    Reviewed May 4, 2026

    Representative was very helpful navigating me online as I am not great on the computer. He was very patient and guided me through the process. Funds were in the bank the following day. Was very satisfied. Thank you.

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    Verified purchase
    Punctuality & SpeedBillingLoan ProcessTimeliness

    Reviewed May 2, 2026

    This was quick and easy. It takes about 5-10 minutes to complete and even if your credit is bad they still work with you, the payment process is explained and the loan comes within either the same day or one day.

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    Punctuality & SpeedEase of Use

    Reviewed May 1, 2026

    Fast and secure! And I was hesitant at first, but after doing some thinking, researching and reviews...I'm glad I did it! It brought some relief for our family's legal matters. Easy to navigate website and very fast service! Thank you.

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    Punctuality & SpeedStaff

    Reviewed May 1, 2026

    Net credit helped me and my family when we needed the help the most. They are very fast and professional. No questions asked and helps fix or build up your credit. I highly recommend them to anyone looking for quick help. Thank you Net credit!

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    TechStaffEase of Use

    Reviewed April 30, 2026

    Great product, very user friendly, direct, and fairly simple to apply and go through the process. Once you start, you are directed with clear instructions and expectations. After reviewing several other providers, hands down was not disappointed using NetCredit.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed April 30, 2026

    Netcredit has very fast response time and great customer service, the loan process was pretty easy compared to other lenders. Customer service was amazing!! The only con to this kind of loan is the high interest rate.

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    Punctuality & SpeedStaffTransparency

    Reviewed April 29, 2026

    I would like to give NetCredit a 11. It's my favorite number and that's the CREDIT I'd like to give to you. The service was fast efficient and friendly. There was no hoops to jump through. Clear and transparent. The process was easy and the funds were deposited exactly when as said. I'm very happy and would highly recommend you to anyone. 💯‼️

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    Verified purchase
    CoveragePriceRefunds & PayoutsLoan Process

    Reviewed April 28, 2026

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

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    Staff

    Reviewed April 28, 2026

    They set fund right away and easy to follow the instructions in online. I know that I need more fund but I think that's all they need your company to provide me. But any way thank you so much. God bless you and hope can help more people if they need.

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    Verified purchase
    Customer ServiceStaff

    Reviewed April 28, 2026

    The process is very easy and very helpful, no stress, excellent communication. They are a professional team. I’m myself recommending NetCredit and I hope that in the future I can make a business again. Thanks Pedro.

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    Verified purchase
    Punctuality & SpeedTimeliness

    Reviewed April 28, 2026

    Wonderful service. So thankful funds came when I needed it. It was very fast service and convenient. It transfers straight to my bank account same day request!! I would recommend this company to all my friends and family. Love it.

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    Punctuality & SpeedOnline & AppStaffEase of UseTransparency

    Reviewed April 26, 2026

    Great experience. It was easy and convenient. I received the funds quickly! The website is easy to understand and user friendly. I was able to navigate the website with ease, and check my status and updates easily.

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    Verified purchase
    Punctuality & SpeedStaffTimeliness

    Reviewed April 26, 2026

    It didn't take long online to apply or get approved. I had to speak to an agent afterwards but it was quick and pleasant. Then I received my funds the next day. It wasn't what I requested but it was so enough.

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    Customer ServiceStaff

    Reviewed April 25, 2026

    Very easy to do…. Would recommend to my family and friends …sometimes people go through really difficult situations and it’s peace of mind knowing there are companies that can help. I will highly recommend Net Credit - the application process was easy and the emails very easy to understand.

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    Verified purchase

    Reviewed April 25, 2026

    Very easy to apply and get instant decision. Was in need of money for unexpected problem. Searched online but received mail offer and tried. Very happy with experience online and ease of applying in the comfort of my home.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed April 24, 2026

    I was a little nervous to try an online loan service but the application was really easy and the response was fast. Everything appeared to be secure and well organized. I would rate my experience as excellent

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed April 23, 2026

    Simple and easy application process, quick and wonderful turn around time for loan approval decision, fast money disbursement. Absolutely amazing! Kind and caring customer support staff. I highly recommend and I am ever so grateful! A++. Thank you kind souls.

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    Customer ServiceStaff

    Reviewed April 22, 2026

    Very accurate, professional and call center was professional and very understanding. It took a while, but understandable. I understand all the much-needed paperwork. I appreciate the much-needed verification processes.

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    Punctuality & Speed

    Reviewed April 20, 2026

    Been very prompt and precise. You have done exactly what you said and you have said exactly what you've done. I thank you and I appreciate you the service you provide. Definitely refer someone else to this company. I am very satisfied.

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    Verified purchase

    Reviewed April 20, 2026

    I checked the mail and found NetCredits pre approval letter: I almost tossed it out, but so glad that I didn’t! My funds came within 48 hrs!!! I am thrilled about the outcome and the expedited process. Super easy and very easily navigated from applying to actually being funded. It was almost like magic. :)! 5 Stars.

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    Verified purchase
    Punctuality & Speed

    Reviewed April 20, 2026

    If your in need of FAST CASH, I recommend NetCredit. Just answer some basic questions, add your banking information, NetCredit will verify your information and give you a answer quickly and you can usually expect funds in a couple of hours.

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    Verified purchase
    StaffLoan Process

    Reviewed April 19, 2026

    They were very helpful throughout the entire loan process and helped me out so much! I am so grateful for Netcredit and will always use them! Even me being self employed they still made sure I was well taken care of and forever in grateful for net credit!

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed April 19, 2026

    NetCredit is a great company with very professional and nice customer service representatives. They have been awesome, please keep up the great service. We the clients pay our loans, we shouldn't have no problems. Communication is key and Net credit so far has been outstanding at it.

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    Verified purchase
    Customer ServiceStaff

    Reviewed April 19, 2026

    It was extremely easy to go thru the application, a very kind patient, customer service rep walked me thru every step until I was approved and everything was done! She was very courteous, very knowledgeable.

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    Verified purchase
    Contract & TermsCoverageStaffLoan Process

    Reviewed April 17, 2026

    NetCredit is an outstanding company to consider using for loans. I am building and repairing my credit and they helped me with no problems. The monthly agreement and repayment plan is manageable. I will be looking forward to a future with this company. I recommend this company to any who has not so good credit or in the process of building.

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    Refunds & PayoutsStaffBilling

    Reviewed April 16, 2026

    This company is no good. Don’t trust them. I'm not receiving enough money at the moment to pay my whole monthly payment but I’m still faithfully paying every month 80-100$. I notified them of my struggle and showed no mercy or compassion to help in any way. Though I’m still making payments they still sent me to collections. What company does that?

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    Customer ServicePunctuality & Speed

    Reviewed April 15, 2026

    Great experience! This was fast and simple. No runaround at all. I will definitely recommend you to my family and friends. Again thank you so much. And if I need you again in the future I will not hesitate to call.

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    Verified purchase
    Punctuality & Speed

    Reviewed April 14, 2026

    Great. A true Blessing when needed. I recommend they are that good. You need them. It’s quick and easy. Don’t think you have to cross your fingers because I was shocked and blessed at the same time. Thank you. I really needs to handle some business and it was my daughter Birthday some. Everything worked out.

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    Staff

    Reviewed April 14, 2026

    When I needed a financial lifeline NetCredit said, "Yes! We can help." My near term financial stress melted away when the requested funds hit my account and now I can get back on my feet again. Thank you NetCredit!

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    Staff

    Reviewed April 11, 2026

    I was very happy with the agent that was able to help me successfully get my application submitted. Also the application was submitted and approved within a few hours. Hopefully I can get my application paid off soon.

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    Verified purchase
    Staff

    Reviewed April 11, 2026

    NetCredit the whole process was amazing and was a life saver. Thanks I need the money and they delivered in a big way. If you’re in a pinch and need funds they’re here to assist. I would highly recommend NetCredit and their services.

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    Verified purchase
    Refunds & Payouts

    Reviewed April 9, 2026

    Got my money within 24 hours. I am really happy with this service. Will be telling friends about this financial experience. So happy that there is a company that meet the needs of those who are having a financial strain.

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    Verified purchase

    Reviewed April 9, 2026

    The application process was not lengthy and was really easy to complete. There was really no credit check which is why I chose this company. I would definitely recommend to friends and family. I am glad I found it.

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    Customer ServicePunctuality & SpeedStaffHonesty & Transparency

    Reviewed April 7, 2026

    This was honestly one of the easiest and most efficient companies I’ve worked with. The entire process was smooth from start to finish, and I received my funds much faster than expected, which really helped me during a time I needed it most. What stood out to me the most was how clear and straightforward everything was. The terms and conditions were easy to understand, and there were no surprises. I also appreciate how flexible they are, especially when it comes to early payoff options without unnecessary penalties. Customer service was responsive and professional, and I felt like I was treated with respect throughout the process. Overall, I had a very positive experience and would definitely recommend this company to anyone looking for a fast and reliable solution.

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    Staff

    Reviewed April 7, 2026

    The process was extremely convenient and easy. Thank you so much for helping during this difficult time. I received the funds quicker than I expected. Also, I was not asked a million questions. This company is very reliable and I truly appreciated that.

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    StaffTimeliness

    Reviewed April 3, 2026

    My experience was easy and not hard to understand and it went through the next day just as they said it would so I was very pleased. Sometimes when we need money, this is nice to be able to have it without a lot of hassle.

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    Punctuality & SpeedStaff

    Reviewed April 3, 2026

    It was pretty easy in filling out the application and the deposit of the funds were quick. A representative does reach out to you to ask if you have any questions and if there any additional information they may need.

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    Punctuality & SpeedStaffLoan Process

    Reviewed April 1, 2026

    I appreciate how fast the loan can when I didn't think I was going to get it. Netcredit helped me when I really needed the help. Thank you and I told all my friends if they need a loan NetCredit is it..

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    Customer ServicePunctuality & Speed

    Reviewed March 31, 2026

    Everything was so fast and easy. My only complaint is that there was money taken out upfront and when I called to ask there isn’t a way to speak to someone directly. Luckily the process is so fast it answered my question on its own.

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    Customer ServiceStaffLoan Process

    Reviewed March 29, 2026

    I had a wonderful experience applying for a loan from Net Credit. My only issue was trying to contact someone after I applied to make sure I had everything I needed. When I did finally talk to someone, they made me feel heard with my issue and were going to check it out for me. They were so helpful and friendly. I felt better after speaking with someone because I was missing a step and they walked me through getting it done. I was relieved when I completed everything. Customer service was amazing.

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    Customer ServiceStaff

    Reviewed March 28, 2026

    This process was easy to follow. It was completed EXPEDITIOUSLY without having to be on a telephone for a long conversation only to be denied. I am very thankful for your trust in helping me out. Beverly **

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    PriceStaffEase of Use

    Reviewed March 27, 2026

    Applying for the line of credit was made easy, the application was very user friendly. It helped put me at ease while I was looking for extra funds. I had an unexpected expense for my mothers headstone, not knowing how much it actually costed. I wanted to get her something that I knew she would of wanted. Net Credit was my savor in approving my request.

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    Verified purchase

    Reviewed March 27, 2026

    I feel stress-free, don’t have to think now about paying all these cards. It is a very good experience. I totally recommend. I wish it could’ve been more cause it really wasn’t enough, but still feel good. I just much better about it.

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    Customer ServiceLoan ProcessTimeliness

    Reviewed March 26, 2026

    I’m so grateful to this company who gave me financial support when I needed it most. When I applied for a loan they responded right away and released the funds on the following day. I highly recommend this company to others.

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    Customer ServiceOnline & AppFollow-Through

    Reviewed March 25, 2026

    The process is very easy. And what they claimed to be able to do in the beginning they actually follow through with. I didn’t have to make any phone calls. He was strictly through emails and using their website.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed March 25, 2026

    The experience was very fast…not a lot of questions, very simple. I recommend this to anyone with a low credit score. They will definitely help you! So do yourself a favor. If you’re in need of funds, call them.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedRatesTimeliness

    Reviewed March 25, 2026

    The application process was quick and easy. I got an instant response and had my money within 48 hours! I’ve attempted other companies and was always lead to a company that charged a crazy interest rate.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRatesHonesty & Transparency

    Reviewed March 25, 2026

    This company is a joke. First of all, they specify they work with people with bad credit. Then, you do the application you upload your pay subs. It does not specify you can't use a screenshot. One of my check stub documents didn't print so I logged into my payroll, app and screenshotted my pay stub then, I went back a couple hours later to check the status. My application has been withdrawn with no email or anything telling me it was withdrawn. And why and the customer service rep states, because it was a screenshot of one of my pay stubs? Well, be specific on your website. Instead of just trying to get people to qualify to have to pay you back with these high interest rate, it's it's I heard in people credit every time something isn't correct. And they pull the application, and the application has to be redone.

    Be honest with your customers upfront. I wouldn't not recommend this company to anyone. I'm very disappointed. The first time I was able to log in, it stated, I had to 3pm to upload at 230 application was not available. A mark on my credit, thanks. NetCredit you didn't do right by the customer. Trying. I wouldn't recommend this to anyone even if I couldn't get the loan. But how would you have known? Because you didn't give me a chance to send a non screen shot pay stub!

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    Punctuality & SpeedStaff

    Reviewed March 25, 2026

    Working with NetCredit was a blessing! With a credit score in the 500s, I struggled to find options, but NetCredit made the process simple and straightforward. I was pre-approved for $500, and funds were deposited in under 24 hours. A truly fast, helpful, and stress-free experience. Highly recommended for quick assistance!

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    Staff

    Reviewed March 24, 2026

    I’m so thankful I saw the commercial about Netcredit.. It came just in time! Thanks Netcredit… helping me in C my time of need. Just after the application I could talk with an agent when I created my profile… That was stressful

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    Verified purchase
    Customer ServiceRefunds & PayoutsStaffTimeliness

    Reviewed March 24, 2026

    Very easy and professional, their process was seamless. I got my money within a couple of hours. So glad I decided to fill out the application. They have great communication, found out within minutes. I was approved.

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    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed March 24, 2026

    Overall, I had a positive experience. The application process was quick and easy, and I received my funds faster than I expected. Everything was explained clearly, so I understood my payments and terms upfront. Customer service was helpful whenever I had questions, and the payment process has been smooth. This loan really helped me when I needed it most. While the interest rate was higher than traditional loans, the process itself was fast and convenient.

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    Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppStaffEase of Use

    Reviewed March 22, 2026

    My transaction was fast. The app is very user friendly. The application is non intrusive which I loved. Also no hard hit to my credit score. I was extremely impressed with the customer service agent's attentiveness. I am very greatly appreciative for the services I was provided. Thank you.

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    Punctuality & Speed

    Reviewed March 21, 2026

    So far the process has been great!! They deposited my money within a couple of hours!! Right when I needed it. I would definitely recommend them if you need money fast. Thanks NetCredit for making the process of a cash advance quick and easy.

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    Verified purchase
    PriceStaffTimeliness

    Reviewed March 21, 2026

    Easy application and funds were available the next day. My wife was put on an expensive cancer medication and this saved us! Thank you so much. Saved us! Definitely 10 🌟 stars! I recommend if you need help. Absolutely 💯.

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    Punctuality & SpeedBilling

    Reviewed March 20, 2026

    Great website. Easy application process and easy approval. Waiting on my money to come. I will use it to mostly pay bills and have a great dinner. Can’t wait to continue to do business with NetCredit. Thanks.

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    Customer ServicePunctuality & Speed

    Reviewed March 19, 2026

    This was the best experience trying to borrow money, I've ever had. Thank you so much for giving me a chance! I've had so many rejections, I was about to give up because every time I tried it hurt my credit even more. Then, I decided to go get my mail. I told myself it can't hurt me anymore than it already has, so I scanned the QR code and went from there. There was a quick response, easy to apply for, and way less painful than previous attempts with other lenders. The payback is a little crazy, BUT I'll take it!! You gave me a chance and couldn't appreciate it more!!

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    PricePunctuality & SpeedLoan Process

    Reviewed March 19, 2026

    I was a little worried about borrowing money from this company based on the reviews, however I quickly realized that many people do not read the fine print. Yes it can be an expensive loan however you should not be borrowing if you are not in a position to pay it quickly. The longer you take to pay it back, the more it cost

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    Verified purchase

    Reviewed March 19, 2026

    NetCredit went above and beyond my expectations. I'll continue to use them because they were a lifesaver when things got tough. Knowing I can rely on them gives me peace of mind. Thank you, NetCredit. I will definitely refer friends and family should the need arise..

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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