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NetCredit Personal Loans Overview

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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NetCredit Disclosure

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

NetCredit Personal Loans
Web Rating: -
Rated 3.9 out of 5

Features

  • Apply online for a NetCredit personal loan and borrow from $1,000 to $10,000.
  • Open a NetCredit line of credit for flexible borrowing up to $4,500.
  • Check eligibility with a soft credit pull, no impact on your credit score.
  • Fast funding, often by the next business day.
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Upstart Personal Loans
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NetCredit: Comprehensive Overview

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.

Loan Products Offered

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.

NetCredit: Unique Features and Benefits

🔷 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.

3 Million+

Satisfied Customers

Customer satisfaction Rate
0 /5
Trustpilot
B Rating

Better Business Bureau

Pros & Cons of NetCredit Personal Loans

Pros

✅ Accessible to low-credit borrowers

✅ Soft credit check for eligibility

✅ Fast funding

✅ Credit-building opportunities

✅ No prepayment penalties

Cons

❌ High APRs

❌ Not available in all states

❌ No joint applications or co-signers accepted

❌ No physical branches, entirely online process

NetCredit Personal Loan Details

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*

NetCredit Eligibility Requirements

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.

Nationwide direct lenders
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Rated 3.5 out of 5
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  • Loans starting from $100 – $5,000.
  • Apply now and get the money you need fast.
  • Online network of direct lenders.
  • Online form is quick and can be completed in under 5 minutes.
  • Fast funding as soon as the next business day.

📝How to Apply for a NetCredit Personal Loan or Line of Credit

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.

01

Check Your Eligibility

Begin by visiting the NetCredit website and clicking the “Check Your Eligibility” button. You’ll need to complete a short online form with basic personal and financial details, including your income, employment status, and contact information.

NetCredit uses its My ScoreSaver™ tool to perform a soft credit check, which won’t affect your credit score. Based on your financial profile, you’ll receive a personalized offer for a personal loan, a line of credit, or both, depending on your eligibility and state of residence.
02

Create Your Account

Set up a secure account using your email and password to manage your application, track your loan or credit line status, and access future services.
03

Review and Customize Your Offer

If you meet the qualifications, NetCredit will present a tailored offer that includes your approved loan amount, APR, and repayment terms. You can use the My RightFit Tool™ to adjust the loan amount and repayment schedule to match your budget. For lines of credit, you’ll see your approved credit limit and terms for cash advances.
04

Submit Your Application

Once you accept the offer, NetCredit will conduct a hard credit inquiry and may request additional documentation to verify your identity and income. This step finalizes your application.
05

Receive Your Funds

• For personal loans, approved applications are typically funded by the next business day. If you apply before 11:00 a.m. CT on a weekday, you may receive your funds the same day, depending on your bank’s processing time.

• For lines of credit, once activated, you can request cash advances anytime from your available credit. These are also usually funded by the next business day.

NetCredit: Personal Loans & Lines of Credit – APR, Rates & Terms

📆 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

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.

Flexible Loan Repayment & Refinancing (Personal Loans)

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.

Line of Credit Rewards: Fee Saver & Skip-a-Pay

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.

Partner Banks, Lending Structure & State Availability

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.

States Serviced by NetCredit

The state’s serviced may change without prior notice; visit the lender’s website for up-to-date information.

Netcredit Personal Loans: States

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

Alternatives to NetCredit Personal Loans

Looking for loans like NetCredit? These alternatives provide personal loan options with varying terms and features.

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NetCredit: Customer Support, Ratings & Feedback

📞 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 (Based on Reviews Across the Web)

Overall, borrowers described NetCredit as a lifeline, especially when traditional lenders had turned them away due to less-than-perfect credit. Many shared that the online application was simple and stress-free, with loan terms clearly outlined on the website. Customers also appreciated the ability to check their eligibility without affecting their credit score. The speed of funding was a highlight for most. However, the high APR range is a frequent point of criticism.

✅ Positive experiences often include:

• Some reviews appreciated the quick and straightforward application process, saying it was easy to complete online without hassle.

• Customers also mentioned that there was no minimum credit score requirement, which they liked the most, especially those with fair or average credit.

• Some reviewers stated that they liked the fast approvals with next‑day funding, and a few even appreciated the same‑day funding they received.

• Several borrowers highlighted the transparent loan terms, noting that everything was clearly outlined up front on the site, with no hidden surprises.

• Some users found the online account management convenient, allowing them to track payments and due dates easily.

❌ Common complaints involve:

• Some borrowers were disappointed by the high APRs, especially when compared to traditional lenders.

• A few reviews mentioned limited state availability, which restricted access for some applicants.

• Some customers felt the maximum loan amounts were lower than expected for their financial needs.

NetCredit: Frequently Asked Questions

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.

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.

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LendingPoint Personal Loan Disclosure

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

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SoFi Personal Loan Disclosure

Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.

Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.

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Universal Credit Personal Loan Disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62.
 
The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit’s bank partners. Information on Universal Credit’s bank partners can be found at https://www.universal-credit.com/bank-partners/
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Upstart Personal Loan Disclosure

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).

Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.

If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.

The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

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Upgrade Personal Loan Disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.

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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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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.

Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.