Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

2.9
(25 Ratings)

Apply For NetCredit

Advertiser Disclosure

To apply for a NetCredit loan, visit their website and click "Check Your Eligibility." Enter the desired loan amount and purpose, then click "Let's Get Started." Provide your zip code, date of birth, housing information, address, and personal details including your name, phone number, email, and social security number. Follow the on-screen instructions to complete the application.

netcredit apply

How to Apply for a NetCredit Loan

  1. Visit The NetCredit Website. Navigate to the official NetCredit website.

  2. Check Your Eligibility. Click on the "Check Your Eligibility" button.

  3. Enter Loan Amount. Specify the loan amount you wish to apply for.

  4. Choose Loan Purpose. Select the purpose for borrowing the funds.

  5. Get Started. Click the "Let's Get Started" button.

  6. Enter Basic Information. Provide your zip code and date of birth.

  7. Housing Information. Indicate whether you rent or own your home. . Enter your street address, unit/apartment number (if applicable), city, and state.

  8. Personal Information. Enter your first name, last name, phone number, and email address. Create a password for your account.

  9. Identity Verification. Enter your social security number (SSN).

  10. Follow Instructions. Follow the on-screen instructions to complete your application.

Conditions

  • Loan Amounts. Available loan amounts range from $1,000 to $10,000.

  • Loan Terms. Loan repayment terms vary from 6 to 60 months.

  • Annual Percentage Rate (APR). APR ranges from 34.99% to 99.99%.

Requirements

  • Age. Be age 18 or older in most eligible states, 19 or older in Alabama and Delaware, and 21 or older in Mississippi.

  • Bank Account. Have a personal checking account.

  • Email. Have an email address.

  • Income. Have a verifiable source of income.

Reasons for Rejection

  • Insufficient Income. If your annual income is below the required minimum, your application may be rejected due to an inability to meet the repayment obligations.

  • Lack Of Required Documentation. Failure to provide necessary documents, such as a copy of your paycheck stub, can result in your application being denied.

  • No Bank Account Or Credit Card. Not having a bank account or credit card as an alternative payment method can lead to rejection since it is a mandatory requirement.

  • Employment Verification Issues. Inaccurate or unverifiable employment information, such as discrepancies in your employer's details or job title, can cause your application to be rejected.

  • Age Restriction. Applicants under the age of 18 are not eligible for the program, and any application from individuals below this age will be automatically rejected.

Additional Resources

FAQ

How long does it take to get approved for a NetCredit loan?

The approval process varies, but NetCredit typically reviews applications promptly and notifies you of the decision within a short period.

What happens after I submit my application?

After submitting your application, NetCredit will review your information and notify you if you are approved for a loan. You will then be able to manage your loan through your personal account.

What can I use a NetCredit loan for?

You can use a NetCredit loan for various purposes, such as consolidating debt, covering unexpected expenses, making home improvements, or any other personal financial needs.

Offers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

2.552
(21 Ratings)
Recommended FinScore™
0
300
650
1000
1000.00 – 10000.00 $
Rate
i

Interest rate

to 99.99 %
Term
i

Loan term for the financial product

6 months – 4 years
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Finanso
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
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Loan term for the financial product

2 months – 5 years
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 3 years
Apply
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NetCredit reviews 2025
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4.8
Pros
My initial loan experience was seamless, featuring efficient processes and excellent customer service. I was genuinely pleased and taken aback by this company's professionalism.
Complain
2.2
Cons
I was initially approved for a $1,650 line of credit with NetCredit. As part of the verification process, I submitted my two latest paystubs and bank statements as requested. Surprisingly, I received an email claiming they were "unable to verify income". Despite re-applying thrice and providing even more documentation, I continually received the same message. Furthermore, I got no response even after emailing them. Despite my employer using ADP, a leading payroll management company, they still couldn't verify my income. I'm beginning to question whether they are either inept at their lending processes or just gathering personal data. Moreover, this procedure resulted in a hard inquiry on my credit. I'll be contesting this and cautioning others to think twice before considering NetCredit, given my experience of not receiving the promised funds.
Complain
1.4
Cons
I've had a challenging experience with this company. Firstly, I've been grappling with a fraud case for three years, having provided them with information from the CFPB, a police report, and bank statements. Secondly, I've spent hours trying to reach a manager, only to be told I'll be contacted within "48 hours". Yet, I always find myself initiating the follow-up, re-explaining my situation each time. Their main concern seems to be money, not customer assistance. Lastly, I'd advise caution when dealing with this company based on my experience; it feels they prioritize their interests over professional service or trustworthiness.
Complain
1.8
Cons
This was my second attempt with this company. I only requested $500, but they approved me for $2,500 and directed me to view the contract at the bottom of the page. To my surprise, the process reset when I tried. After reaching out to them, they declined my application without a clear reason. I've documented this with screenshots. I won't be trying with them again.
Complain
1.8
Cons
Be cautious with this option. On a $1650 loan, I incurred $555 in fees within just 3 months. If you're only making the minimum payments, which are not insubstantial at $150+, the fees are nearly half the payment amount. It can be financially detrimental in the long term.
Complain
4.4
Pros
NetCredit has been fantastic to work with. I hope to refinance and obtain another loan through them in the future. They genuinely make every client feel valued. Many thanks!
Complain
2
Cons
Beware of their exorbitant rates and fees. Despite having repaid almost the full amount borrowed, my remaining balance is still 2-3 times the initial amount. It feels like a predatory lending practice.
Complain
1.4
Cons
I received pre-qualification for a loan on NetCredit and subsequently applied and got accepted. However, shortly after setting up my line of credit, it was unexpectedly closed, and I was informed that I had been denied.
Complain
2.4
Cons
I decided to cancel my application before its completion due to some inconsistencies I observed. Their customer service line was peculiar; it gave limited options and often led to long hold times. The representatives I spoke with seemed unprofessional or perhaps not genuine. I proceeded with providing some of the requested information, but when they called back and asked for my full social security number, I opted to discontinue the process. Additionally, the application presented bi-weekly payment options when I had initially chosen monthly. The overall terms and conditions seemed excessive and added to my reservations.
Complain
2.2
Cons
Be cautious. They assured me that checking eligibility wouldn't impact my credit. However, after providing all my details, they did a hard credit pull and subsequently declined my application. It's concerning when there's a discrepancy between what's promised and the actual actions taken. If they weren't going to approve, why perform a hard pull after stating otherwise?

Complain
Company rating
2.9
/ 5
25 reviews
Application
3.0
Support service
2.8
Mobile App
3.0
Service quality
3.0
Your satisfaction level
2.9
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