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)

NetCredit Account Review

Advertiser Disclosure

NetCredit is an online lending platform that offers personal loans and lines of credit to consumers. Designed for ease of use, it features a streamlined application process, automatic account activation, and user-friendly account management tools. NetCredit prioritizes security and transparency, ensuring that users' personal information is protected and that loan terms are clearly presented. With accessible customer support and flexible borrowing options, NetCredit aims to provide a convenient financial solution for those in need of quick and reliable access to funds.

netcredit account

Key Features

  • User-Friendly Application Process. Simple and quick application process with clear steps to follow.

  • Automatic Account Activation. Accounts are activated automatically upon registration without the need for email or phone verification.

  • Easy Account Management. Manage loans and lines of credit online, including making payments and checking account status.

  • Convenient Login. Easy login with email and password, along with a straightforward process for resetting forgotten passwords.

Step-by-step Registration

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

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

  3. Select Loan Amount And Purpose. Choose the loan amount you wish to apply for. Indicate the purpose for borrowing the funds.

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

  5. Housing Information. Indicate whether you rent or own your home.

  6. Enter Address Details. Provide your street address, unit or apartment number (if applicable), and zip code.

  7. Personal Information. Enter your first name, last name, suffix (if applicable), phone number, and email address. Choose a password for your account.

  8. Identity Verification. Verify your social security number to protect your identity from fraud.

  9. Employment Details. Indicate whether you are employed or not. If employed, provide your place of work and your income.

  10. Payment Information. Provide your bank account details for payment purposes.

  11. Review And Agree To Terms. Carefully review the terms and conditions of the loan or line of credit. Agree to them by checking the appropriate box.

  12. Submit Your Application. Click the "Apply Now" button to submit your application.

How to Log In?

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

  2. Click On The "Sign In" Button. Locate the "Sign In" button at the top right-hand corner of the page and click on it.

  3. Enter Your Credentials. Input your email address and password in the provided fields.

  4. Sign In. Click the "Sign In" button to access your account.

How to Activate My Account?

If you have recently registered for a NetCredit account, it should be automatically activated once you complete the registration process. You do not need to verify your email or phone number to activate your account.

How to Delete My Account?

  1. Contact Customer Support. Call NetCredit at 1-877-392-2014 or send an email to [email protected].

  2. Request Account Deletion. Request to delete your account and provide any necessary verification information to confirm your identity.

  3. Follow Additional Instructions. Follow any additional instructions provided by the customer support representative to complete the account deletion process.

How to Reset My Password?

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

  2. Click On The "Sign In" Button. Locate the "Sign In" button at the top right-hand corner of the page and click on it.

  3. Click On "Forgot Your Password?". Below the sign-in fields, click on the "Forgot your password?" link.

  4. Enter Your Email Address. Input the email address associated with your account and click the "Reset My Password" button.

  5. Check Your Email. NetCredit will send you an email with a link to reset your password.

  6. Click The Reset Link. Click the link in the email to be taken to the password reset page.

  7. Create A New Password. Follow the instructions on the page to create a new password for your NetCredit account.

  8. Log In With New Credentials. Once you have created a new password, you should be able to log in to your account using your updated credentials.

Editorial Opinion

NetCredit personal accounts offer a streamlined and user-friendly process for managing loans and lines of credit online. With easy account creation, straightforward login procedures, and efficient password recovery options, NetCredit prioritizes convenience for its users. The platform’s customer support is readily accessible for account deletion and other inquiries, ensuring users can manage their financial needs effectively. However, like any financial service, it is crucial for users to carefully review terms and conditions, and assess their own financial situation before committing to any loan agreement with NetCredit.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

FAQ

How do I contact NetCredit?

To contact NetCredit, you can use one of the following methods:

  1. Phone. You can call NetCredit's customer service team at 1-877-392-2014. Customer service representatives are available to assist you Monday through Friday from 8:00 am to 8:00 pm CT, and Saturday from 9:00 am to 5:30 pm CT.
  2. Email.
  3. Payment address. NetCredit, P.O. Box 206766, Dallas, TX 75320-6766.
  4. Mailing address. Customer Support Team, NetCredit, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604.

What should I do if I forget my password?

If you forget your password, click on the "Forgot your password?" link on the sign-in page, enter your email address, and follow the instructions to reset your password via the link sent to your email.

Why can't I access my NetCredit account online?

There could be several reasons why you are unable to access your NetCredit account online. Here are some common reasons and what you can do about them:

  1. Incorrect login credentials. Make sure that you are entering the correct email address and password associated with your NetCredit account. If you are unsure of your login credentials, you can use the "Forgot your password?" link on the login page to reset your password.
  2. Account inactivity. If you haven't logged in to your NetCredit account for a while, your account may have been deactivated due to inactivity. Contact their customer service team to reactivate your account.
  3. Technical issues. Sometimes, technical issues may prevent you from accessing your NetCredit account online. Try clearing your browser cache and cookies or using a different web browser to see if that resolves the issue. You can also contact their customer service team for assistance.
  4. Account suspension. If NetCredit has suspended your account due to a loan default or violation of the terms and conditions, you will not be able to access your account online. Contact their customer service team to resolve the issue.
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
Similars products
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
i

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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