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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

NetCredit's pay off

Advertiser Disclosure

Repayment of loan

It is necessary to understand the total amount of the loan to create the appropriate repayment plan. Unlike many other lenders, this financial organization does not charge application fees, insufficient funds, or prepayment penalties. But before taking NetCredit loans out, borrowers should know that they can be charged a late payment fee ($10 - $15 depending on the state) and an origination fee which forms part of the APR, also varies by state and reaches up to 5% in some cases. Such a fee covers the cost of the application process and all associated costs. Also, the origination fee is not included in the total proceeds of the existing loan.

For the comfort of its customers, NetCredit offers different payment options, such as debit cards, prepaid cards, paper checks, money orders, one-time EFT, MoneyGram, and Western Union. Also, during the application process, the lender's new customers get the opportunity to select AutoPay (Electronic fund transfer (EFT)) as their preferred option and never miss a monthly payment.

Conditions of loan extension

NetCredit loan borrowers in certain states (Alabama, California, Delaware, Georgia, Idaho, Illinois, Louisiana, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah, and Wisconsin) have an option to make more money by refinancing the existing loan in a fast and easy way. If eligible to borrow more funds, select the amount of money necessary and click through to the contract. After the approval, additional funds will be deposited into the borrower's bank account in a matter of days.

Early payoff

Early payoff of a personal loan can make credit cheaper and help to save money on interest. Settling a loan before the established term is not prohibited, and the finance company does not charge any prepayment penalties.

FAQ

How do I make a payment on NetCredit?

There is an option to repay the personal loan debt using a debit card, a prepaid card, a check, or a money order. It is also possible to pay through Western Union or MoneyGram and use the Electronic Fund Transfer (EFT).

What happens if you don't pay back NetCredit?

In case of late or missing loan payments, additional fees and penalties can be added to a higher interest rate. Usually, 30 to 60 days past a bill's due date term is considered to be a late payment. Late and missing payments may affect the borrower's credit history. Depending on the specific situation, the lender can send delinquent accounts to a collection agency.

Can you pay off the NetCredit loan early?

NetCredit personal loans can be repaid earlier as they carry no prepayment fees. Repaying a loan before the loan term date helps save money on interest. NetCredit does not charge a prepayment penalty.

Can NetCredit sue you?

Any creditor has a right to sue clients once they go into default. After having several delinquent payments, a borrower can be charged additional fees and penalties, and their account sent to a collection agency.

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

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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.

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Opploans
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East Line Lending
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up to 780%
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Speedy Cash
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Rating by Finanso®
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3.33
Recommended FinScore™
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$50-$26,000
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Effective interest rate on the product

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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.
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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

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