Frequently Asked Questions

NetCredit and lending partner banks offer personal loans up to $10,000 and lines of credit up to $4,500.

Depending on your application and the state where you live, you might qualify for one or both of our lending products. Head to the Rates & Terms for more details and to learn what is offered in your state.

A personal loan is one way for an individual consumer to borrow money. Typically, the borrower receives a lump sum payment (the principal) from a lender and pays it back at a cost (interest plus any loan fees). For personal loans with an origination fee, the fee is often deducted from the principal loan amount, so the amount advanced to the borrower is the principal loan amount minus the origination fee. The borrower will typically repay the entire principal loan amount, which includes the origination fee. Payments are made in regular installments over the term of the loan. Many personal loans are unsecured loans, which means they do not require the consumer to pledge an asset (like a home or car title) as collateral.

Personal loans are typically structured as installment loans, which are paid off over a defined period of time. The loan amounts and terms can range broadly, depending on the state and the lender.

The interest rates for these personal loans are generally set by the lender and can vary depending on factors such as the borrower’s creditworthiness and the amount and duration of the loan requested. Rates will usually be fixed for the life of the loan and calculated as an annual percentage rate (APR).

Personal loans are used mainly for personal, family or household purposes, such as to cover unexpected expenses, pay for large home or auto purchases, or to consolidate debt.

To determine how much you may be eligible to borrow, fill out a quick online form to check your eligibility or call our Customer Support Team today for more information.

A line of credit is an open-end financial product that lets you borrow up to a predetermined credit limit and repay based on what you borrowed. As you repay, your credit becomes available again, letting you borrow as needed.

Some common features of a line of credit include:

• You may borrow money up to your available credit limit.

• Every time you borrow money, your available credit decreases.

• Depending on your lender, you will typically be charged fees and/or interest based on how much you've borrowed and how long you take to repay.

• As you repay, your available credit increases.

• Payments are made gradually over scheduled due dates.

To determine whether you're eligible for a line of credit, fill out a quick online form or call our Customer Support Team today for more information.

Most forms of credit — such as a home mortgage, car loan or personal loan — will use an annual percentage rate (APR) to express the cost of credit for a whole year (the interest owed plus any additional fees). The APR is a standardized rate, allowing you to more easily compare costs across multiple credit options.

It is important to note that the APR is not always the same as the interest rate. There are many factors that can affect the cost of a loan, and the interest rate is just one of them. An APR considers a number of factors, including whether the rate is simple or compound interest, any additional loan fees or charges and the duration of the loan.

The interest rate on a loan — such as a home mortgage, car loan or personal loan — is the amount charged by a lender to borrow the money. When evaluating your loan options, be sure to note whether the rate is simple interest or compound interest. Simple interest is calculated on the principal amount of a loan. Compound interest adds any interest accrued to the principal. Both are legitimate practices, but loans with compound interest can be more expensive, so it’s important to know what you’re agreeing to before you sign anything.

The terms of your loan will have a clear and simple fee structure. That's why all personal installment loans through NetCredit use simple interest.

The terms of your NetCredit personal installment loan will have a simple fee structure. You will not be charged any application, prepayment or non-sufficient funds fees by your lender. In some states, you may be charged a fee for late or missed payments. All fees applicable to your state are laid out in our Rates & Terms.

Please note: this is an expensive form of credit. Other credit options may be less expensive.

Two types of fees are charged on NetCredit lines of credit: Cash Advance Fees and Statement Balance Fees. A Cash Advance Fee is charged each time you take a Cash Advance from your line of credit and is deducted from the amount of the Cash Advance. The Statement Balance Fee is charged every Billing Cycle and is calculated based on the current Cash Advance Balance you have outstanding at the end of the period.

For more information about the fees associated with a NetCredit line of credit, see our Rates & Terms. For a full list of terms and definitions, visit the Line of Credit glossary page.

Yes! As a NetCredit line of credit customer, you will become eligible for rewards as you make Qualifying Strings of Payments (12 consecutive Bi-weekly/Semi-monthly or 6 consecutive Monthly payments):

Skip-a-Pay
Skip-a-Pay lets you skip the regular Minimum Payment for a specific Billing Cycle. This includes the Statement Balance Fee associated with that Minimum Payment. So you can get the financial relief you need when unexpected expenses arise.

Fee Saver
Fee Saver reduces the Statement Balance Fee you must pay each Billing Cycle. You may earn enough Fee Saver rewards over time to reduce your Statement Balance Fee by 33% to 60%, depending on the original fee schedule assigned to you at the time of application based on your creditworthiness.

For a full list of terms and definitions, visit the Line of Credit glossary page. For more information on Skip-a-Pay and Fee Saver rewards, visit the Line of Credit Rewards page.

NetCredit and lending partner banks offer personal loans up to $10,000 and lines of credit up to $4,500.

Personal loans are available in Alabama, Alaska, Arkansas, Arizona, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Dakota, New Mexico, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming.

Lines of credit are available in Alabama, Arkansas, Arizona, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming.

Depending on your application and the state where you live, you might qualify for one or both NetCredit lending products. Visit the Rates & Terms page to see what is offered in your state.

Depending on your application and the state where you live, you may be eligible for a personal loan up to $10,000, a line of credit up to $4,500 or both. If you're eligible for both lending products, you can choose the product that better accommodates your unique needs.

If you prefer a lump sum with a predictable repayment schedule, an installment-based personal loan may be right for you. Common uses for personal loans include debt consolidation, car repairs and major expenses.

For those looking for increased flexibility and revolving access to funds, a NetCredit line of credit is an open-end lending product that allows you to borrow funds from your Available Credit. Lines of credit are typically used to assist with unexpected expenses as they arise. For a full list of terms and definitions, visit the Line of Credit glossary page.

Whether you choose a personal loan or line of credit, you'll have fast access to funding and can build credit history with on-time payments.

NetCredit takes your digital security seriously. Our site has earned a TrustedSite certification, and our application uses 128-bit encryption to guard your personal data.

To make sure you're taking full advantage of our security measures, we recommend that you access our site using either Google Chrome or Safari and that you update your chosen browser to the latest version.

If you are using Google Chrome, please click here to download the latest version.

If you are using Safari on your computer, please click here to download the latest version.

If you are using Safari on your iPhone or iPad, please update to the latest iOS. If you are unsure of how to do so, click here.

If you are not currently using Google Chrome or Safari, we recommend Google Chrome as the browser that is most secure and compatible with our site. You can click here to download the latest version of Google Chrome.

Yes. Our Financial Resources page is the place to find tools and resources to help you save money and reach your financial goals. We provide access to financial education, trusted local services and content to inspire your budget, lifestyle and career.

NetCredit personal loans range from $1,000 to $10,000 and lines of credit range from $500 to $4,500, but your eligibility will depend on your state of residence and your creditworthiness. Line of credit customers will receive their funds after a 10% Cash Advance Fee is deducted from the amount of each Cash Advance. To ensure you have enough funds to cover your expected expense(s), it is recommended that you borrow enough to cover any applicable fees as well. To see what you are eligible for, just fill out a quick online application — it takes only minutes and won't affect your credit score.

You will always receive the best NetCredit offer available for you. Your eligibility will be determined by looking at your unique financial picture — not just your credit score.

• If you're eligible for a personal loan, you'll be presented with the highest amount you qualify for and can select the amount that's right for you before you sign. You can choose the highest qualifying loan amount or opt for a smaller loan amount.
• If you're eligible for a line of credit, you'll receive an offer for the highest Credit Limit that you qualify for. If approved, you can borrow the amount you need from your Available Credit.

That's the power of the My RightFit™ tool! For more information about costs and what is offered in your state, visit the Rates & Terms page.

For a full list of terms and definitions, visit the Line of Credit glossary page.

Quick funding is available for NetCredit lending products. A simple online application takes just minutes to fill out, and you'll receive an eligibility decision in seconds. If eligible, once you select and sign your agreement, you'll typically receive a final decision within the same business day. Depending on whether we need to verify additional information, it could take up to three business days.

• Personal Loans

  Approved applications are typically funded the next business day. Applicants who submit an application before 11:00 a.m. CT Monday – Friday may receive their funds the same business day. Approval may be subject to additional verification. Failure to provide additional documentation promptly may delay funding.

• Line of Credit

  If you have an active line of credit, you can request a Cash Advance at any time as long as your Account is current and you have Available Credit. If you request a Cash Advance between 12 a.m. and 12:00 p.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 12:00 p.m. CT are typically funded the next business day. If you request funds over the weekend, you'll typically receive your money the following Monday. For a full list of terms and definitions, visit the Line of Credit glossary page.

Personal loan and line of credit applications are subject to underwriting and additional verifications for approval. Providing requested documentation in a timely manner may help prevent funding delays. Keep in mind that the exact funding time will depend on your bank. If there’s any delay, don’t hesitate to inquire with them.

If you received a pre-qualified mail offer, apply with your eight-digit offer code. You can find it in your letter, typically at the bottom of the first page.

Once you locate your code, visit our offers page. Be prepared to enter your code when prompted.

Using your offer code will provide access to your personalized offer. After you enter it, follow the instructions to complete the application process.

Yes! Many lenders require you to "secure" your personal loan by providing them with your car or house title; if you happen to default, the lender can seize your car or home to offset your debt.

Access to credit should be straightforward and fair to all. You won't be asked to provide a home or car title as collateral for a NetCredit personal loan when you fill out your online application.

You're more than your credit score. That's why your eligibility is determined by looking at your broader financial picture -- not just your credit score.

We also understand that increasing or protecting your score is important to you. That's why we know you'll love My ScoreSaver™ and My CreditBuilder!

My ScoreSaver™ ensures that checking your eligibility won't affect your credit score.

With My CreditBuilder, payment towards your personal loan or line of credit will be reported to TransUnion and Experian, two of the major credit bureaus. On-time payments may build credit history, helping you move forward.

And if you're looking for even more, we've gathered easy-to-understand explanations and helpful tips on credit scores and other financial topics in our blog!

The Military Lending Act (MLA) places restrictions on certain credit product terms that creditors can offer active duty, active guard and reserve duty members of the military and their dependents (“Covered Borrowers”). Because of these restrictions, NetCredit lines of credit are currently not available to applicants listed as Covered Borrowers in the MLA database.

For additional information on the MLA, please click click here.

If you are a Covered Borrower, or if you have questions regarding whether the MLA applies to you or your personal loan please contact our Customer Support Team.

At NetCredit, we believe it's important to offer easy and convenient ways to pay back your loan or line of credit. We offer electronic fund transfer (EFT) as a recurring payment option (AutoPay) so you never have to worry about forgetting a due date. When you apply for a personal loan or line of credit, you’ll have the opportunity to select AutoPay as your preferred option. For one-time payments, we accept debit card, prepaid card, paper check, money order, one-time EFT, MoneyGram and Western Union. Please review details about each payment method, including cutoff times below:

• Recurring ACH (EFT – AutoPay)

  This is the most popular repayment method for many customers. ACH stands for Automated Clearing House and is a form of electronic debit. We electronically debit your bank account for your regularly scheduled payment; debits are timed to coincide with your due dates. You must set up AutoPay or make changes to your AutoPay payment before 5 p.m. Central Time (CT) two Business Days before your payment due date. For example, if your payment is due on January 5, you must set up or make changes to your AutoPay payment before 5 p.m. CT on January 3. (Please note that Business Days exclude federal holidays, Saturdays and Sundays.) Typically, you will see the debit go through within two business days of your due date, but check with your financial institution for details on their ACH practices.

• Debit Cards and Prepaid Cards

  Debit cards and prepaid cards are accepted for one-time payments. You can add a debit card or prepaid card to your account and make one-time payments online by logging into your account. In order for your one-time card payment to be applied on the same day, it must be made before 8:00 PM CT on the desired payment date.

  You may also make one-time debit card or prepaid card payments by calling our Customer Support Team during our hours of operation (Monday – Friday 8 a.m. – 8 p.m. and Saturday – Sunday 9 a.m. – 5:30 p.m. CT) to be credited and applied the same day. For example, if your payment is due on January 5, your debit card payment must be made on or before January 5 during the hours of operation.

• One-Time EFT

  You can make one-time EFT payments online, if you have a bank account on file, by logging into your account. You can also make a payment by calling our Customer Support Team during our hours of operation (Monday – Friday 8 a.m. – 8 p.m. and Saturday – Sunday 9 a.m. – 5:30 p.m. CT). Please note, your one-time EFT payment must be scheduled before 6 p.m. Central Time (CT) on the day before your payment due date.

• Paper Check or Money Order

  We must receive your paper check or money order payment before each contractual due date. You will need to send payment to:

  NetCredit
  P.O. Box 206766
  Dallas, TX 75320-6766

  IMPORTANT: Account ID or Account Number and Customer Name must be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your check or money order before your scheduled due date.

  When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back from your financial institution. For inquiries, please call (877) 392-2014.

• Other Repayment Methods

  You can always change your preferences during the life of your loan. Additional options include sending us a MoneyGram or Western Union payment. If you are making a payment through MoneyGram, you can search for NetCredit or find us using receive code 10322.

  If you are sending a sending a physical Western Union payment, please send payments to:

  NetCredit
  P.O. Box 206766
  Dallas, TX 75320-6766

  IMPORTANT: Account ID or Account Number and Customer Name should be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your payment before your scheduled due date.

  Please note that these options are not recurring, so you will need to schedule your payment in advance of each contractual due date. Call us at (877) 392-2014 for more details on how to set up a payment.

Borrowing money online and paying it back should be simple. That’s why we offer flexible options to make a payment ahead of schedule or to pay off your personal loan or line of credit balance in full at any time. And what’s more, there are no penalties for any of these convenient options:

1. Pay off in full

   You may choose to pay off your personal loan or line of credit balance in full at any time.

   • Please note that if you select this option for a personal loan and for any reason your payment does not clear, the interest on your loan will continue to accrue.
   • If you choose to pay off your line of credit balance and your payment does not clear, your Minimum Payment, including your Statement Balance Fee, will still be required on the payment due date, and additional Statement Balance Fees will continue to apply at the end of each Billing Cycle. For a full list of terms and definitions, visit the Line of Credit glossary page.

2. Pay your full scheduled payment in advance of your scheduled due date

   If you are enrolled in an automated payment plan, no action is required to make your next payment (although you should always make sure your account has sufficient funds on your due dates). However, you may make your next payment early by choosing a date more than two business days prior to your scheduled due date. If your early payment clears, we will not debit your next scheduled payment (you will not be debited twice), and automated payments will resume on the following due date.

3. Pay another amount

   You may choose to make a payment of any amount at any time:

   • If this amount is less than the amount due on your next payment, you will still owe the remainder on your due date.
   • If this amount is greater than the amount due on your next payment, the additional amount will be deducted from your account balance and will lower the amount owed. The additional amount will not be credited to a future payment.
   • In order for an additional payment to apply to your next payment due, the additional payment must be submitted at least two business days before your due date.

   Extra payments help you repay faster, reducing the amount you will owe. After you pay any currently due interest and/or fees, the remainder of your extra payment will go towards paying down your principal or balance. For personal loan customers, extra payments may help you reduce the final payments in your loan schedule. For line of credit customers, your extra payment will go towards paying down your Cash Advance Balance, which may reduce the overall fees you pay.

How your payment is applied is dependent upon whether you have authorized recurring electronic funds transfers (EFTs) as your primary form of payment, when you make your payment and whether the payment will be equal to or greater than the full amount of your next installment or only a portion of the next installment. Please see below for an explanation of how your payment will be applied in the most common instances. If you have a question about how your payment will be applied in a scenario that is not listed below, please contact our Customer Support team at (877) 392-2014.

How your line of credit payment is applied is typically dependent upon whether you have authorized recurring electronic funds transfers (Autopay) as your primary form of payment, when you make your payment and whether the payment will be equal to or greater than the full amount of your next Minimum Payment or only a portion of the next Minimum Payment. Please see below for an explanation of how your payment will be applied in the most common instances. If you have a question about how your line of credit payment will be applied in a scenario that is not listed below, please contact our Customer Support Team at (877) 392-2014. For a full list of terms and definitions, visit the Line of Credit glossary page.

If you know in advance that you will not be able to make an upcoming payment, the best thing to do is to call our Customer Support Team at (877) 392-2014. You may be eligible for a courtesy due date adjustment that will give you some extra time to save for your next payment.

If you have already defaulted on your payment, our Collections Team will try to help you set up a payment arrangement that fits your budget. Give them a call at (877) 392-2016 to find out what payment plans are available to help you get back on track.

Remember that any payment activity will be reported to credit bureaus. Read more to learn about how this might affect you.

Your Billing Cycle is the period of time between Statements. Your Billing Cycle may be Bi-weekly, Semi-monthly, or Monthly. The length of your Billing Cycle depends on how often you receive income as identified in your application, along with processes we may use to verify your income. If you receive income weekly or every other week, your Billing Cycles will be Bi-weekly, and they will generally be 14 days long. If you receive income twice a month, your Billing Cycles will be Semi-monthly and they will generally be 15 days long. If you receive income once a month, your Billing Cycle will be monthly, between 28 to 31 days long.

Your Minimum Payment due date is 14 days after the last day of each Billing Cycle. NetCredit will attempt to match your Minimum Payment due date with your provided pay dates when possible. If we cannot match your Minimum Payment due date to your pay date, a standard Billing Cycle will be assigned based on your verified income frequency.

For a full list of terms and definitions, visit the Line of Credit glossary page.

If the frequency with which you receive income changes, you may request to change the length of your Billing Cycle and your payment due dates so that your payment due dates better align with the dates you receive income. Such requests will only be considered if the frequency with which you receive income changes. To request to change your payment due dates, please email us at support@netcredit.com or call our Customer Support Team at (877) 392-2014.

For a full list of terms and definitions, visit the Line of Credit glossary page.

Financial situations can change and you may need more flexibility when borrowing money. That's why personal loan customers in select states may be eligible to refinance. If eligible, customers may choose to borrow more money.

Eligible customers in the following states may be able to refinance: Alabama, California, Delaware, Georgia, Idaho, Illinois, Louisiana, New Mexico, North Dakota, South Dakota, Utah and Wisconsin.

Eligibility requirements may vary by state.

In some states, customers who borrow less than their full approved amount or who have paid off a significant portion of their current personal loan may be eligible to top off their current loan amount with an additional disbursement amount. The existing loan balance along with the new disbursement will be refinanced into a brand new loan with a new contract and repayment schedule.

Eligible customers in the following states may be able to borrow more money: Alabama, California, Delaware, Georgia, Idaho, Illinois, Louisiana, New Mexico, North Dakota, South Dakota, Utah and Wisconsin.

Sign in to your account or call us at (877) 392-2014 to check if you're eligible.

Eligibility requirements may vary by state.

You can minimize your line of credit fees by only borrowing what you need. This will help limit your Cash Advance Fees and keep your Cash Advance Balance low. Paying more than the Minimum Payment each Billing Cycle can help you lower your Cash Advance Balance and the corresponding Statement Balance Fees as well.

You may also earn Fee Saver rewards, which reduce your Statement Balance Fees, each time you make a Qualifying String of Payments.

For a full list of terms and definitions, visit the Line of Credit glossary page.

You may work with a debt management company if you are falling behind on your payments or are experiencing financial hardship. However, we strongly encourage you to reach out to us directly before enrolling with a debt management company (DMC). We offer a variety of payment relief options directly to you that can help keep you on track and can answer any questions that you have without the need to engage a debt management company. Contact us at collections@netcredit.com or call us at 877-392-2016.

3 Questions to ask yourself before working with a debt management company (DMC):

1. Are they a for-profit or non-profit organization?
• For-profit DMCs typically charge fees for their services ranging anywhere up to 20-25% of your outstanding balance.
• To avoid additional fees, consider working directly with NetCredit or non-profit credit counseling services.
2. How will this impact your credit?
• Working with for-profit DMCs itself will not impact your credit score. However, the for-profit DMC that you work with may advise you to take certain actions that could adversely affect your credit.
• Depending on your situation, NetCredit has relief options that may allow you to stay on track with your payments without the need for a DMC.
3. What are you hoping to achieve by working with a DMC?
• By working directly with NetCredit, you may have the same relief options available to you if you were to work with a for-profit DMC without any additional cost to you.

If you cannot make your upcoming payment(s), please contact us immediately.

For more information about for-profit debt management companies, check out informative posts by the FTC and CFPB.

The Servicemembers Civil Relief Act (SCRA) provides certain protections and relief to eligible active duty servicemembers, their spouses and dependents.

For additional information on the SCRA, please click here.

If you are an active duty servicemember, or if you have questions regarding whether the SCRA applies to you or your personal loan or line of credit, please contact our Customer Support Team.

Yes! We are committed to helping our customers build their credit history. All payment activity is reported to major credit bureaus. This means that full, on-time payments may help you build credit history! Learn more.

All payment activity will be reported to major credit bureaus.

This means that full, on-time payments may help you build credit history!

On the flip side, late payments could hurt your credit score or damage your credit health. If you have any concerns about making your payments on time, the best thing to do is call our Customer Support Team at (877) 392-2014 as soon as possible before your due date. If you have questions about errors on your credit report, learn more here.

Check out our blog to learn more about how credit scores are calculated and find other financial advice.

If you believe there is an error on your credit report regarding your NetCredit loan or line of credit, please contact us at:

NetCredit
175 W. Jackson Blvd., Suite 600
Chicago, IL 60604

Be sure to include copies of documents that support your position. We will investigate the issue and correct any information we find to be inaccurate.

If you prefer to contact us by email, you can also submit documents to support@netcredit.com with the subject line "Credit Reporting Error".

For more information on how to dispute errors on your credit report, visit http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports.

The first step in applying for a personal loan or line of credit is checking your eligibility. If you are eligible, you will receive an offer. In order to provide you with an offer, a soft credit inquiry will be made. This soft inquiry will not be seen by third parties and will not impact your credit score.

If you accept your offer and submit the contract, a hard credit inquiry will be made. This hard inquiry may be seen by third parties and may have an impact on your credit score for a period of time.

Communications from NetCredit will be sent to the valid email address on file. Additionally, some important messages can be found in the message center located on your NetCredit Account Home.

To navigate to your Account Home, please follow these simple steps:

1. Sign In to your account using your current login and password.
2. Click Menu > Message Center.

No worries! We’ll help you set a new password for your security. Here’s how:

1. Click on Sign In in the top right corner of the site.
2. Click on the "Forgot password?" link.
3. Enter your email.
4. Check your email for instructions on how to set a new password.

To change your password, just follow these simple steps:

1. Sign In to your account using your current login and password.
2. Click Menu > My Info > Personal Info.
3. Click the "Edit" link for the information you want to update.
4. Enter your current password and your new password and save your changes.

To change your phone number or home address, contact our team or follow these simple steps:

1. Sign In to your account.
2. Click Menu > My Info > Personal Info.
3. Click the "Edit" link for the information you want to update.
4. Enter your new information and save your changes.

To update your email address, please contact our team.

To update your employment information, just follow these simple steps:

1. Sign In to your account.
2. Click the Menu > My Info > Employment Info.
3. Click the "Edit" link.
4. Enter your new information and save your changes.

Requesting money is easy. Once you have been approved for a line of credit, you may take a Cash Advance from your Available Credit by signing in to your Account Home and clicking the “Request Cash Advance” button. Please call our Customer Support Team at (877) 392-2014 if you need assistance.

You can request funds at any time as long as your Account is current and you have available credit greater than your state’s minimum Cash Advance. The amount of any new Cash Advance will be added to your Cash Advance Balance. The minimum Cash Advance is $50, except in Minnesota. In Minnesota, the minimum Cash Advance is $1,450.

Once you request a Cash Advance, money is typically deposited into your account the next business day or sooner.

For a full list of terms and definitions, visit the Line of Credit glossary page.

A NetCredit line of credit is an open-end lending product that allows you to borrow funds from your Available Credit. This means active lines of credit will remain open indefinitely.

Inactive Accounts

In the event that your Account is deemed inactive because you do not have an Account Balance for a period of 365 consecutive days, it may be closed.

An Account will be deemed inactive if:

• No Cash Advances have been requested within the first 365 calendar days of opening an Account.
• An Account Balance has been $0.00 for 365 calendar days.

We will notify you at least 30 days prior to closing your Account for inactivity. If you do not take a Cash Advance within 30 days of notification, the account will be closed and you will no longer be able to request Cash Advances.

If your Account is closed due to inactivity and you later decide you would like to reactivate your Account, you will have to apply for a new Account.

If you have additional concerns about your Account, please email us at support@netcredit.com or call our Customer Support Team at (877) 392-2014.

Yes, you can view payment details for your current personal loan or line of credit.

Personal Loan

1. Sign In to your Account Home.
2. On your Account Home page, you will see your Loan Summary.
3. Below your Loan Summary, you will see a link to "Loan Details."

On the Loan Details page, you’ll be able to see your remaining principal, the amount of your next payment and more. You'll also have access to your payment activity where you can see more detailed payment information.

Line of Credit

1. Sign In to your Account Home.
2. From the My Account menu, click to the My Account page to see Scheduled Account Activity.
3. Below the Scheduled Account Activity, you will see Recent Account Activity.

On the My Account page, you can also see your Available Credit, plus "Make A Payment" and "Request Cash Advance" links! You can also click "View Statements" from the My Account menu for additional details.