Choose a country
United States
Select a city
Select a city
Select language
English
Select country
Choose a country
United States
Canada
España
México
Philippines
United States
Việt nam
Казахстан
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.

4.0

Apply for a NetCredit's loan

Advertiser Disclosure

How to apply

Although loans from NetCredit are highly accessible, personal loan lenders can't originate their products without examining some documents and verifying a borrower's income, employment, identity, and address. Therefore, what you need to apply for a loan is your passport, Social Security card, Birth certificate, State or federal ID that can prove your identity; bank statements, employee pay stubs, 1099 or W-2 forms to prove your income; lease or mortgage agreement, utility bill, statement of benefits to prove your address.

Application details

Applicants typically find out whether they are approved or not within the same business day. However, in some cases, lenders can extend this term up to three business days and require more financial information from their clients. Applicants who submit their application before 7:00 am from Monday to Friday can receive their funds on the same business day.

Reasons for rejection

Even such a loyal lender as NetCredit can reject an application for a loan for a number of reasons. For example, if the loan principal is too large, if a borrower has extremely bad credit, if his credit report contains errors, or if his outstanding balance is high. Fulfill the application for NetCredit personal loans carefully, as missing information or lack of verification may become a reason for refusal too.

NetCredit only accepts applications sent via the internet. Through this, it performs an analysis of the financial situation of its candidates and makes the best loan decision for them. This process does not affect the borrower's credit history. The entire application process should only take a few minutes to complete.

How to apply for a NetCredit personal loan?

Here is what you can expect from applying for a loan online. First of all, you will set up an account and provide the lender with some basic information (soft credit inquiry does not affect credit). Secondly, you will create an account using your email and selecting a password. Remember that if your state is not eligible, the application process will stop there. If you qualify, NetCredit will provide you with several loan options to choose from. If you are not satisfied with them, you can click on the "Modify loan details" button to adjust your personal loan offer. After that, you will have an opportunity to choose the loan and repayment terms that fit you best.

After signing the contract, you can wait for the final approval of the loan. Once you have approved, you will be requested to put your signature on a contract. Then NetCredit will conduct a final credit check and fund you a loan. To get detailed instructions regarding the application process, visit the "Personal Account" section of the article.

Financial products

NetCredit
Personal loan
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.

0
Recommended FinScore™
0
300
650
1000
$1,000-$10,000
Rate
i

Effective interest rate on the product

up to 155%
Term
i

Loan term for the financial product

up to 60 months

Similars products

Happy Money
Personal loan
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.

5
Recommended FinScore™
0
300
650
1000
$5,000 - $40,000
Rate
i

Effective interest rate on the product

up to 24.99%
Term
i

Loan term for the financial product

up to 60 months
MaxLend
Personal loan
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-$3,000
Rate
i

Effective interest rate on the product

up to 841%
Term
i

Loan term for the financial product

up to 300 days
Opploans
Personal loan
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
$500-$4,000
Rate
i

Effective interest rate on the product

up to 160%
Term
i

Loan term for the financial product

9-18 months
East Line Lending
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
$200-$10,000
Rate
i

Effective interest rate on the product

up to 780%
Term
i

Loan term for the financial product

up to 12 months
Speedy Cash
Personal loan
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.

3.33
Recommended FinScore™
0
300
650
1000
$50-$26,000
Rate
i

Effective interest rate on the product

up to 460%
Term
i

Loan term for the financial product

up to 30 days

Calculate loan payments in NetCredit

NetCredit calculator will allow you to calculate an approximate payment schedule for the loan

NetCredit calculator
Interest rates are given in accordance with the rates of the NetCredit of 26.11.2022
Loan amount
i

Enter the desired loan amount

USD
USD
1000 $
10000 $
Loan term
i

Specify the loan term for the calculation

months
days
6
60
State

What to focus on before applying for a loan with NetCredit

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between NetCredit and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
All NetCredit’s reviews by november 2022
Leave feedback
1 reviews
5
Advantages
When I applied for a serious loan amount for a period of 5 years instead of the standard days of consideration, it turned out as much as three days, but the main thing is that I managed to get money at an adequate percentage, and all due to the fact that I provided all the information that was required of me, including additional ones. I have used NetCredit services before this big loan, so I know what to expect from them. Everything is written in the contract according to the points, there are no pitfalls that would seem doubtful to me. Now, as soon as I pay, I will share a new review, but for now I recommend the company
Disadvantages
no disadvantages
Complain
1 reviews
5
Advantages
I use the services of this lender and receive money if necessary. It is convenient that there is a button on the site by which you can check the availability of credit, so I got my first loan from them at the time) A lot of information is required when making an application, it's good that you don't need to take the documents anywhere and pull up the guarantors too, all online without visiting bank branches. The conditions are individual for everyone, there is even a difference in which state you apply for, so you need to take all this into account, and not judge the same as the others. I have a positive opinion about the company, if necessary, I will contact them again
Disadvantages
No
Complain
1 reviews
5
Advantages
The company is loyal to customers, offers adequate conditions for obtaining a loan for personal purposes, the amount and term may vary depending on your requests and requirements, but you need to understand that the lender may not give as much as you deemed necessary based on the level of your salary and credit history. It is not difficult to make out, the first thing you do is create a personal account, and through it you will submit an application, which is considered during the day, only after the money is transferred if approved, but even this requires a preliminary call from an employee of the company. In general, it is not difficult to get money with them
Disadvantages
No
Complain
1 reviews
5
Advantages
It's easy to apply for a loan, besides there is an opportunity to choose the optimal amount for yourself and a period of up to 60 months. The lender has a license, due to which his activity is legal, and for me as a client this is just another reason for trust. The conditions are different, the maximum amount will not be given if the earnings are not great, so you need to keep this in mind and do not risk submitting to the maximum-they will refuse. In terms of data security, they also took care of it-you can reset your password on the site so that no one hacks your account, this is important and all you need to do is click the "Forgot Password" button, and then install a new one according to the standard replacement procedure
Disadvantages
No
Complain
1 reviews
Personal loan Go
0
Advantages
You can take a loan on more favorable terms, but this is if a decent salary, otherwise you can not count on a lot, and I don't need a lot) I like that if you send a request before 7 o'clock, then you really get the money on the same day. It is really easier for me to make payments in parts with a certain step, or at once at the end of the term, in the latter way. It is better not to allow delays, because the fines for them are not small, they are always warned about this and the contract also states. I don't really like the design of the site, everything is simple, but the main thing is clear and does not affect the result of lending
Disadvantages
No
Complain
Overall company rating
4.0
/ 5
5 reviews
Execution of an application
4.0
Support service
4.0
Mobile app
4.0
Service quality
4.0
Your satisfaction level
4.0

Similar companies

Approved Cash
1865 Executive Park Dr NW, Cleveland, TN 37312
+1 (888) 227-4758
AmeriCash Loans
AmeriCash Loans 2400 East Devon Avenue Des Plaines, IL 60018
+ 1 (888) 907-42-27
Mission Loans
19500 Jamboree, Suite 300 Irvine, CA 92612
855-959-4500
Accredited Debt Relief
9525 Towne Centre Dr, Suite 100, San Diego, CA 92121
800-497-1965
LoanMe
1900 S. State College Blvd, Ste 300, Anaheim, CA 92806
844-956-2663