Net Credit Loans Review

NetCredit offers loans with high-interest rates to those who, as it states, “have difficulty qualifying for conventional types of loans.

” The borrower may qualify to receive unsecured personal loans which do not need you to provide collateral. The loan amount is up to $10,000 across 13 states and up to $10,500 in California.

The lender in Chicago can approve your loan the same day you applied for it. It also reports your payment history to the major credit bureaus. This can aid in rebuilding your credit score if you regularly pay the loan on time.

Is borrowing from NetCredit a Good Idea?

The lender provides loans with extremely high rates of interest. Even if you’ve got less than perfect credit, you could still be eligible for a personal loan from the company. Ensure that you consider other options before applying for the loans.

If you decide that this costly loan is the best option for you, be sure that you can make the payments on time and pay your debt in full.

What personal loan options are offered by NetCredit?

NetCredit gives personal loans for whatever purpose. NetCredit does not impose any limitations on how borrowers can use the loan funds.

Personal Loan Finder

Enter the amount you wish to borrow and the purpose for which you want to use it, and then enter your credit scores, as well as your state, to view the estimated annual percentage rates as well as the loan’s conditions.

What are NetCredit’s Loan Terms, Discounts, Fees, and Terms?

NetCredit provides personal loans with fixed rates only. Customers can borrow up to $10,000 in the majority of states that NetCredit covers, and repayment terms range from 6 to 60 months.

Other lenders offering high-interest personal loans might have lower limits on the amount you can borrow and may have shorter timeframes for repayment.

The NetCredit personal loan fee may differ based on the state you live in. Go to the lender’s website prior to applying to find out what fees are in effect.

Can I refinance my loan?

The company has two options to refinance: You could either take out a loan and then combine your existing loan balance with the new loan, or you can refinance the existing loan with new terms in order to reduce the amount you pay. Before you make the decision to refinance, be sure to understand the cost.

How do you qualify for a NetCredit loan?

NetCredit does not have a minimal FICO credit score. To be eligible, you must reside in one of the states where the loans are offered.

NetCredit lets borrowers be pre-approved prior to applying via their My ScoreSaver feature. Co-signers are not allowed.

Also, you must:

  • Be 18 or older, 19 or over within Alabama and Delaware, and 21 or over in Mississippi.
  • Maintain a bank account for your personal.
  • You must have an email address.
  • You must be able to prove your earnings.

Customer Service

NetCredit is a company with an A grade of A- from Better Business Bureau and is not BBB accredited. In 2020, the Consumer Financial Protection Bureau received 149 personal loan-related complaints about Enova International Inc., NetCredit’s parent company. Enova International provided a timely resolution to all of the issues.

The most frequent complaints focused on unanticipated fees or charges and the struggle to pay the loan or having issues with the process of paying off at the time of the loan’s expiration.

Online Features

The NetCredit loan process is completely online. The application, closing, and managing of your account are made via the lender’s site.

 How to apply for a Personal Credit Loan with NetCredit

The company will first verify your eligibility through the use of a soft credit inquiry, which won’t impact your credit score. For the application process, you’ll need to submit:

  • Your name and date of birth.
  • Your Social Security number.
  • The amount you wish to borrow and the reason for it.
  • Your address for home.
  • Your email address.

If you’re eligible for a loan, NetCredit will display your offer and let you select the loan terms. NetCredit will conduct an unavoidable pull after you sign the contract.

NetCredit Personal Loans Work Ideal for:

  • People who’ve tried all alternatives and require an urgent loan.
  • Individuals who reside in some of the States in which the lender is based.
  • Individuals who don’t require co-signers.



rates and fees
0 apr
email address
check your eligibility
line of credit
varies by state
high-interest rates
loan amount
time payments
repayment terms
affect your credit score
receives compensation
business day
credit histories
loan application
credit scores
monthly payments

Payday Loans