Choose a country
United States
Select a city
Select a city
Select language
Select country
Choose a country
United States
United States
Việt nam
Rating by Finanso®

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.

NetCredit account 


How to register an account on NetCredit

To create a NetCredit personal loan applicant must do the following:

  • On the main page, there is a calculator, where it is possible to select the desired loan, including an approximate loan amount that you want to receive. Slide the green bar until you get the loan amount you need. It usually ranges from $1,000 up to $10,000 (varies by state). Then you must click on the red "Check Your Eligibility" button to start your application.

  • The new window with four simple steps to make will appear. The first is to create a user account on NetCredit. Enter the desired loan amount and your repayment details. Then you should share your address and contact phone.

  • In the second window, you should share data to verify your identity, including your Social Security number. Don't forget to accept NetCredit's terms and conditions for using your personal information.

  • After that, the advisors determine if you are an eligible person to get the loan. If the answer is positive, you will see the best options for your loan.

  • Finally, you must sign a document that shows that your request is official. Once the lender approves your application, you will get the funds.

How to reset a password on NetCredit

To reset a password, go to the signing page on the website, click on the "Forgot password?" link, and follow the instructions. You can also call NetCredit support service, and they will send a password reset link.

How to delete an account on NetCredit

To delete an account, inform NetCredit in writing, indicating a reason for account deactivation (security, confidentiality reasons, or others).


How does NetCredit work?

NetCredit offers personal loans and lines of credit for its customers. After receiving funds, borrowers pay their loans back (along with interest and fees) over a predetermined period. Payments are made gradually over-scheduled due dates. Monthly payments are individual.

How do I contact NetCredit?

It is possible to go directly to the financial company's website and find out if you pre-qualify by simply filling out its digital form. If you want to deal personally with an agent, you can call the toll-free number.

Calculate loan payments in NetCredit

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

Loan amount

Enter the desired loan amount

1000 $
10000 $
Loan term

Specify the loan term for the calculation


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
Your complaint has been recorded
Invalid username or password
Please log in to like/dislike
Invalid SMS code has been entered
All NetCredit’s reviews by June 2022
Leave feedback