NetCredit is an online lender that provides unsecured personal loans and lines of credit to individuals who may not meet traditional bank qualification standards. Depending on state regulations and personal eligibility, loan amounts typically range from $1,000 to $10,000 for personal loans, and up to $4,500 for lines of credit. The company prioritizes flexibility by aligning repayment options with the income schedule. It promotes financial empowerment through credit-building tools, including reporting of payment history to major credit bureaus, helping customers strengthen their credit profile over time.
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Disclaimer
NetCredit Disclaimer
Approved applications are typically funded the next business day. Applicants who submit an application before 11:00 a.m. CT Monday – Friday may receive their funds the same business day. The exact timing as to when your loan funds will be available will be determined by your banking institution. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding.
All NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies or a lending partner bank. All loans and lines of credit will be serviced by NetCredit.
In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are underwritten by, approved by and funded by Capital Community Bank, Republic Bank & Trust Company or Transportation Alliance Bank, Inc. d/b/a TAB Bank. Refer to the Rates & Terms page for your state for more information.
CA residents: NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation. Loans made pursuant to a California Financing Law license (License No. 603K020).
KS residents: NetCredit Loan Services, LLC, License No. SL.0026603
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
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NetCredit is a direct online lender offering personal loans and lines of credit to individuals who may have limited access to traditional financing options. Tailored for borrowers with less-than-perfect credit histories, NetCredit provides a fully digital application experience and rapid funding to help users manage urgent financial needs.
Founded in 2012 and headquartered in Chicago, Illinois, NetCredit operates as a subsidiary of Enova International, Inc. (NYSE: ENVA), a publicly traded financial technology company. To serve more customers and offer competitive rates, NetCredit has collaborated with three FDIC-insured banks, Capital Community Bank, Republic Bank & Trust Company, and Transportation Alliance Bank, Inc. (TAB Bank), to underwrite and fund loans in select states. In some states, loans and lines of credit are offered by members of the NetCredit family of companies, with all products serviced by NetCredit to ensure consistent support and account access.
NetCredit sets itself apart with a strong focus on transparency, flexibility, and credit building. Tools like My RightFit Tool™ allow borrowers to customize repayment schedules aligned with their income, while ClearCost for Me™ shows all costs upfront, with no hidden fees.
NetCredit offers two primary financial products:
• Personal Loans: Fixed-term, unsecured loans ranging from $1,000 to $10,000. These loans feature predictable monthly payments and can be used for various purposes, such as debt consolidation, medical bills, or emergency expenses.
• Lines of Credit: Customers may access a revolving credit line of up to $4,500. Funds can be withdrawn as needed, and interest is only paid on the amount used. This flexible option is ideal for handling unexpected expenses or covering ongoing financial gaps.
Check Your Eligibility Risk-Free with My ScoreSaver™
With My ScoreSaver™, NetCredit lets you check your eligibility for a personal loan or line of credit without hurting your credit score. Simply fill out a short online form with your basic personal and financial details, such as income and employment status, and get an instant assessment of your eligibility.
NetCredit conducts only a soft credit inquiry, so your credit score stays intact, and the query will not show up on your credit report. If you qualify, NetCredit presents a personalized offer for a loan, a line of credit, or both, letting you choose the option that best fits your needs, with no obligation to proceed.
NetCredit runs a hard credit check only if you accept the offer and move ahead with the application. Making it a smart first step for anyone who wants to explore funding options confidently, without risking their credit profile during the evaluation process.
Customizable Loan Options with the My RightFit Tool™
NetCredit’s My RightFit Tool™ helps you tailor your borrowing experience to match your unique financial situation. Whether you’re eligible for a personal loan, a line of credit, or both, the tool lets you adjust the loan amount and repayment schedule until you find a combination that works best for your budget and goals.
If you’re eligible for a personal loan, you can use a simple slider to choose your desired loan amount, anywhere between the minimum and maximum offered. Then, pick a repayment schedule that works for you: either a shorter term with higher payments to save on interest, or a longer term with smaller payments for easier monthly budgeting. As you adjust the terms, the tool updates your projected monthly payments and total cost in real time, helping you make informed decisions.
If you qualify for a line of credit, you’ll get the highest credit limit available to you based on your application details and state of residence. Once your account is active, you can request a Cash Advance anytime from your available credit. Because it’s an open-end revolving credit line, you can borrow, repay, and borrow again, giving you flexible access to funds when you need them most.
Clear and Transparent Terms with ClearCost for Me™
With NetCredit’s ClearCost for Me™ promise, you’ll know exactly what you’re agreeing to before signing your loan or line of credit contract. Every fee, charge, and interest rate is disclosed in plain terms, so there are no hidden surprises, and you can view the full rates & terms at any time. NetCredit does not charge application fees, origination fees, prepayment penalties, late fees, or NSF fees. NetCredit also encourages customers to call with questions, reinforcing its dedication to clear, customer-first service.
Credit-Building Opportunity through My CreditBuilder
NetCredit’s My CreditBuilder feature is designed to help you strengthen your financial future by building or improving your credit history. It works by reporting your on-time payments for personal loans or lines of credit to major credit bureaus. Each timely payment adds a positive mark to your credit report, helping to enhance your credit profile over time. However, information about missed or late payments also gets reported, so maintaining consistency is essential. By borrowing responsibly and making regular on-time payments, you can take meaningful steps toward a healthier credit score.
Risk-Free Trial with My Choice Guarantee™
At NetCredit, you get the flexibility to change your mind. With the My Choice Guarantee™, you can cancel your loan or line of credit shortly after funding if you decide it’s not the right fit, no pressure, no long-term commitment, and no financial obligation if canceled within the specified time. Whether you’ve had second thoughts or your financial needs have changed, this feature allows you to return the funds with peace of mind.
If NetCredit directly funds your loan, you have until 6 p.m. CT on the next business day to cancel. Suppose your loan is funded by one of Netcredit’s trusted partners, Republic Bank & Trust Company, Transportation Alliance Bank (TAB Bank), or Capital Community Bank. In that case, you typically have until 5 p.m. CT on the third business day to return the funds. Be sure to check your loan agreement for the exact cancellation deadline, as it may vary slightly by lender.
For a line of credit, if you’ve taken a Cash Advance, you have two full business days to cancel and return the borrowed amount.
Satisfied Customers
Better Business Bureau
Safety | 256-bit SSL issued by GoDaddy.com, Inc. |
Lender Type | Direct Lender / Lending Platform |
BBB Rating | B Rating |
APR | 34% – 99.99%* |
Credit Score | Undisclosed |
Loan Amount | $1,000 – $10,000 |
Loan Term | 6 – 60 MONTHS* |
Origination Fees | None |
Time to Receive Funds | Next business day* |
To qualify for a NetCredit personal loan or line of credit, meet the following criteria:
Age Requirement
• Must be at least 18 years old, or the state’s legal age of majority if higher.
Residency
• Must be a U.S. citizen or permanent resident living in a state where NetCredit or its partner banks provide lending products. State availability varies.
Identity and Banking Verification
• A valid government-issued photo ID.
• An active checking account in your name to receive funds and make scheduled payments.
Income and Employment
• Proof of a steady income from employment, self-employment, or benefits to confirm repayment ability.
Email Address
• An active and valid email account is required to manage your loan or line of credit, view account details, and receive important updates.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Applying for a personal loan or line of credit with NetCredit is fast, secure, and entirely online. Whether you need a one-time lump sum or flexible access to funds over time, NetCredit makes it easy to get started.
📆 Repayment Terms
• Personal Loans: Repayment terms range from 6 to 60 months, depending on your loan amount, state regulations, and financial profile.
• Lines of Credit: No fixed term applies. You make minimum monthly payments on your cash advance balance. As you repay, you restore your available credit and keep access to funds.
💸 APR Range
APR Range: 34.00% to 99.99%*
Your actual rate depends on your state of residence, creditworthiness, and loan type.
💰 Rates & Fees
Personal Loans
• Fixed interest rates: Your rate remains constant throughout the loan term.
• No prepayment penalties: You can pay off your loan early without incurring additional fees.
• No origination fees: NetCredit does not deduct upfront fees from your loan proceeds.
• No late fees: You won’t be penalized for late payments.
• No NSF (non-sufficient funds) fees: Returned payments typically do not incur additional charges.
Lines of Credit
• Cash Advance Fee: NetCredit charges a 10% fee on each cash advance at the time of withdrawal.
• Statement Balance Fee: Charged at the end of each billing cycle, ranging from $0 to $700, based on your outstanding balance. This fee is added to your minimum payment.
NetCredit gives you complete control over your loan with features that support early payoff, extra payments, and refinancing options, without penalties.
💸 Early or Extra Payments
• Pay off early: You can repay your loan in full anytime through your online account. The system calculates your payoff amount based on your selected date.
• Make extra payments: You can make additional payments at any time. These go directly toward your principal, helping reduce interest and shorten your loan term.
• Advance installment payments: If you’re anticipating a tight month, you can prepay your next installment more than two business days in advance. NetCredit will cancel the upcoming automatic withdrawal.
🔁 Loan Refinancing
NetCredit offers refinancing options to eligible customers in 34 states, allowing you to adjust your loan to fit your financial needs better.
• Borrow More Money: If you’ve repaid part of your loan or initially borrowed less than your approved amount, you may qualify to refinance your balance and access additional funds. A new loan replaces the old one with updated terms.
• Check Eligibility: Sign in to your account and look for the “Borrow More Money” button at the top of the page. If it’s visible, you’re eligible to apply. If not, eligibility may change over time.
• Eligible States: Includes AL, AK, AR, AZ, CA, DE, GA, FL, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NE, NJ, NM, ND, OH, OK, OR, RI, SD, TN, TX, UT, WI, WY. Availability may expand over time and can vary by lending partner.
NetCredit’s line of credit includes built-in features that reward responsible repayment and lower costs when you complete Qualifying Strings of Payments, a series of consecutive, on-time Minimum Payments.
✅ Fee Saver
Fee Saver lowers the Cash Advance Fee each time you request funds:
• After six consecutive on-time payments, NetCredit reduces your Cash Advance Fee by 1.25%.
• Keep making on-time payments, and NetCredit will continue to lower the fee every six months.
• You can eventually bring your Cash Advance Fee down to 0% if you maintain consistent payment activity.
⏸️ Skip-a-Pay
Skip-a-Pay lets you skip your Minimum Payment for one billing cycle:
• You also skip the Statement Balance Fee for that cycle.
• To qualify, you must make six consecutive monthly or twelve consecutive bi-weekly on-time payments.
• Earn multiple Skip-a-Pay rewards and use them whenever you need, as long as you request it at least three business days before your scheduled payment date.
NetCredit provides personal loans and lines of credit across many U.S. states through a hybrid model of direct lending and partnerships with FDIC-insured banks. The specific lender for your account depends on your state of residence and is documented in your credit agreement.
🔹 Direct Lending States
In the following states, NetCredit originates and funds loans directly through its family of companies:
• Alabama, California, Delaware, Georgia, Idaho, Illinois, Louisiana, North Dakota, New Mexico, South Dakota, Utah, Wisconsin
In these states, NetCredit handles both funding and servicing, offering a seamless experience from application to repayment.
🔹 Partner Bank States
In other states, NetCredit works with one or more of the following FDIC-insured banks to expand its reach:
• Capital Community Bank (CCBank)
• Republic Bank & Trust Company
• Transportation Alliance Bank, Inc. (TAB Bank)
These banks underwrite, approve, and fund the loans or lines of credit, while NetCredit manages all servicing, including payments, account access, and customer support.
Partner bank states include: Arkansas, Alaska, Arizona, Florida, Hawaii, Indiana, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Wyoming
🔍 How to Identify Your Lender
• Check your consumer credit agreement to see which lender issued your loan or line of credit; the lender may vary even within the same state.
• Regardless of the lender, you’ll always apply, manage your account, and repay through NetCredit’s online platform.
The state’s serviced may change without prior notice; visit the lender’s website for up-to-date information.
Alabama | Indiana | Nevada | Utah |
Alaska | Kansas | North Dakota | Virginia |
Arizona | Kentucky | New Mexico | Wisconsin |
Arkansas | Louisiana | Ohio | Wyoming |
California | Michigan | Oklahoma | |
Delaware | Minnesota | Oregon | |
Florida | Mississippi | Rhode Island | |
Georgia | Missouri | South Carolina | |
Hawaii | Montana | South Dakota | |
Idaho | Nebraska | Tennessee | |
Illinois | New Jersey | Texas |
Alabama | Louisiana | Oregon |
Alaska | Michigan | Rhode Island |
Arizona | Minnesota | South Carolina |
Arkansas | Mississippi | Tennessee |
Delaware | Missouri | Texas |
Florida | Montana | Utah |
Hawaii | Nebraska | Virginia |
Idaho | Nevada | Wisconsin |
Indiana | New Jersey | Wyoming |
Kansas | Ohio | |
Kentucky | Oklahoma |
📞 Customer Service Availability
NetCredit provides support through phone, email, and its secure online account portal. While the company doesn’t assign separate numbers for each product, you can reach dedicated lines for general inquiries, loan processing, and collections.
🔹 Contact Options
• General Support: (877) 392‑2014
• Collections: (877) 392‑2016
• Email: [email protected]
• Online Portal: Log in 24/7 to view balances, make payments, update personal details, track loan or credit status, and submit support requests.
🕒 Availability Hours
• Monday – Friday: 8:00 a.m. – 8:00 p.m. CT
• Saturday – Sunday: 9:00 a.m. – 5:30 p.m. CT
NetCredit doesn’t currently offer live chat, but its online dashboard enables customers to handle most account needs without calling.
⭐ Reputation and Ratings
• Trustpilot: 4.8 / 5 (30,000+ reviews)
• BBB: B Rating, Not Accredited
• ConsumerAffairs: 4.9 / 5 (1,880+ verified reviews)
• WalletHub: 2.9 / 5
*Ratings as of August 2025; may change over time.
💬 Customer Feedback
Borrowers praise NetCredit for its fast funding, straightforward online application, and the option to check eligibility with a soft credit inquiry that doesn’t impact their score. Many also appreciate the clarity of loan terms during the offer stage. However, the high APR range is a frequent point of criticism.
✅ Positive experiences often include:
• Quick and straightforward application process
• No Minimum Credit Score Requirement
• Fast approvals with next‑day (or same‑day) funding in some cases
• Transparent loan terms with no prepayment penalties
• Soft credit check for eligibility
• Convenient online account management
• Reports to Major Credit Bureaus
❌ Common complaints involve:
• High APRs compared to traditional lenders
• Limited State Availability
• Lower Maximum Loan Amounts
• No in‑person service
Most frequent questions on NetCredit Personal Loans & Lines of Credit/ Flex Loans
NetCredit is an online lender that provides unsecured personal loans and revolving lines of credit, also known as flex loans, to eligible borrowers in select U.S. states. It serves customers directly or through partnerships with FDIC-insured banks, Capital Community Bank, Republic Bank & Trust Company, and TAB Bank. NetCredit offers quick funding, flexible repayment options, and tools designed to help customers build their credit.
NetCredit loan amounts vary by product, state, and your eligibility:
• Personal Loans: $1,000 – $10,000
• Lines of Credit: Up to $4,500
Your approved amount depends on factors like your credit profile, income, and state regulations.
It depends on where you reside.
NetCredit either lends directly through its licensed entities or works with FDIC‑insured partner banks:
• Capital Community Bank (CCBank)
• Republic Bank & Trust Company
• Transportation Alliance Bank, Inc. (TAB Bank)
In partner bank states, the bank underwrites, approves, and funds the loan or line of credit, but NetCredit still services the account, meaning you make payments, manage your account, and get customer support through NetCredit’s platform.
Yes. NetCredit has no set minimum credit score requirement. Instead, it reviews your complete financial profile, including income, existing debts, repayment history, and overall ability to repay. This approach makes funding possible for borrowers with less‑than‑perfect or “bad” credit. Keep in mind that lower credit scores often come with higher APRs and smaller approved amounts.
NetCredit personal loans come with no hidden fees. That means:
✅ No origination fees
✅ No late payment fees
✅ No NSF (non-sufficient funds) fees
✅ No prepayment penalties
You only pay simple interest, which you agree to when you accept your offer. You are also free to repay early at any time without incurring extra charges.
NetCredit lines of credit include two main types of fees:
• Cash Advance Fee: Typically, 10% of the amount you withdraw. NetCredit deducts this fee from your advance before depositing the funds.
• Statement Balance Fee: A monthly fee based on your outstanding balance, ranging from $0 to $700 per billing cycle.
You can reduce or eliminate the Statement Balance Fee by using the Fee Saver program. Pay your full balance before the cycle ends, and NetCredit waives the fee.
Yes, you can check your rate with NetCredit without affecting your credit score.
When you apply to see your eligibility, NetCredit performs a soft credit pull, which doesn’t impact your score. You’ll see your potential loan or line of credit offer, including rates and terms, before you decide to proceed.
If you accept the offer and sign the contract, NetCredit then performs a hard credit check, which may affect your score temporarily.
Yes, NetCredit allows you to pay off your loan early or make extra payments at any time. You won’t pay any prepayment penalties, and additional payments go directly toward your principal balance. It helps reduce your total interest and shortens your repayment term.
Contact NetCredit immediately to discuss options. You may be able to adjust due dates, set up a repayment plan, or explore hardship assistance.
If NetCredit approves your application, you’ll typically receive your funds by the next business day. In some cases, you may get same-day funding if you complete your application and submit the required documents before 11:00 a.m. CT, Monday through Friday.
Funding speed depends on:
• Your bank’s processing times
• The time you submit your application
• Whether additional verification is needed
NetCredit’s process is entirely online, so you can apply and receive a decision in minutes.