Loan Amounts
$1,100 – $10,000
APR Range
34% – 99.99%
Loan Duration
6 – 60 months
Minimum Credit Limit:
$500†
Maximum Credit Limit:
$7,000†
This won't affect your credit score.
For a full list of terms and definitions, visit the Line of Credit glossary page.
Applicants may receive an offer for either a personal loan, a line of credit or both.
†A 10% Cash Advance Fee is deducted from the amount of each Cash Advance. See below for details on all applicable fees.
You may be charged a late fee of $15 if you fail to make all or any part of a scheduled installment payment within 10 days of its scheduled installment due date.
This is Derek.
Here’s what his repayment will look like.
Loan Duration
48 months
Monthly Repayment
$280
Loan terms vary based on application details and qualifications.
We are proud to operate in compliance with Idaho regulations.
Visit the Idaho Department of Finance website and search for NetCredit to see our license listing.
If we are unable to address your questions or concerns, you can also contact your state regulatory agency:
Department of Finance
800 Park Boulevard, Suite 200
P.O. Box 83720, Boise, ID 83720-0031
Phone: 208.332.8000
Fax: 208.332.8097
www.finance.idaho.gov
10% of each Cash Advance, which will be deducted from the amount you request and the remaining Advance Proceeds are delivered to you.
The Statement Balance Fee assessed each Billing Cycle will vary based on your Billing Cycle (determined by your income frequency), your creditworthiness at the time of your application, your Cash Advance Balance at the end of your Billing Cycle and any Fee Saver reductions earned by making on-time payments. If your Cash Advance balance at the end of your Billing Cycle is $25 or less, you will not incur a Statement Balance Fee.
See below for further payment examples and click here to view the Fee Table.
We reward on-time payments with fee reductions through our Fee Saver feature. Each time you make a Qualifying String of Payments (12 consecutive Bi-weekly/Semi-monthly or six consecutive Monthly payments) you earn a reduction of your Statement Balance Fee.
If billed Bi-weekly/Semi-monthly, your Statement Balance Fee will be reduced after each Qualifying String of Payments by $0.40 per $100 of your outstanding Cash Advance Balance with a maximum reduction of $3 per $100 of your outstanding Cash Advance Balance.
If billed Monthly, your Statement Balance Fee will be reduced after each Qualifying String of Payments by $0.80 per $100 of your outstanding Cash Advance Balance with a maximum reduction of $6 per $100 of your outstanding Cash Advance Balance.
Skip-a-Pay is an earned reward that lets you skip the Minimum Payment for a Billing Cycle. Each time you make a Qualifying String of Payments (12 consecutive Bi-weekly/Semi-monthly or six consecutive Monthly payments), you earn a Skip-a-Pay.
There is no limit to the number of Skip-a-Pays you can accrue.
You can generally use a Skip-a-Pay for any regularly scheduled Minimum Payment, but you cannot redeem a Skip-a-Pay within two business days of a scheduled payment or if your Account becomes past due.
A line of credit is an open-end form of credit and has no fixed duration.
Each Billing Cycle, your Minimum Payment will include a portion of your Cash Advance Balance plus a Statement Balance Fee based on your Cash Advance Balance.
If your Billing Cycle is Bi-weekly/Semi-monthly, the Minimum Payment will equal 2.5% of your Cash Advance Balance (inclusive of Cash Advance Fee) plus the Statement Balance Fee. If your billing cycles are Monthly, the Minimum Payment will equal 5% of your Cash Advance Balance (inclusive of Cash Advance Fee) plus the Statement Balance Fee. This charge also takes into consideration any Fee Saver reductions accrued. The Minimum Payment for any period will never be less than $50 if you pay Bi-weekly/Semi-monthly or $100 if you pay Monthly unless your Account Balance at the end of the Billing Cycle is smaller, in which case your Minimum Payment will equal the Account Balance.
This is Jamie.
Here's how that looks after his 10% Cash Advance fee is assessed.
Cash Advance Requested
$1,000
Advance Proceeds ($1,000 Cash Advance – $100 Cash Advance Fee)
$900
Now let's look at how his initial Minimum Payment will be calculated:
Cash Advance Balance
$1,000
2.5% of Cash Advance Balance
$25
Statement Balance Fee
$50
Minimum Payment (2.5% of Cash Advance Balance + Statement Balance Fee)
$75
This is Alexis.
Here's how that looks after her 10% Cash Advance fee is assessed.
Cash Advance Requested
$1,000
Advance Proceeds ($1,000 Cash Advance – $100 Cash Advance Fee)
$900
Now let's look at how her initial Minimum Payment will be calculated:
Cash Advance Balance
$1,000
5% of Cash Advance Balance
$50
Statement Balance Fee
$100
Minimum Payment (5% of Cash Advance Balance + Statement Balance Fee)
$150
This won't affect your credit score.
