Find out instantly if you qualify for up to $10,000.
This won't affect your FICO® score.
Approved applicants can get funds fast with NetCredit. Our online loan application can be completed in just a few minutes. Plus, you can check your eligibility and review your offers without affecting your FICO® score.
If you qualify and accept an offer before 11:00 a.m. CT on a business day, you could receive your funds as soon as the same day. Otherwise, funds are typically deposited by the next business day.
Whether you’re dealing with an unexpected expense or need fast access to cash, NetCredit personal loans and lines of credit are designed to get you the help you need — quickly, securely and without added stress.
You must be 18 or older.
You must have a valid personal checking account.
You must have an active email address.
You must have a verifiable source of income.
Overview
An installment loan that offers a lump sum with predictable payments.
Revolving credit with increased flexibility.
Duration
6 – 60 months.
Open-end credit.
Funding
Lump sum disbursed up front.
Revolving access to funds.
Flexibility
Choose your loan amount and duration from the range you're offered.
Draw from your Available Credit as often as you'd like.
Rewards & Benefits
Refinancing available in select states for qualifying borrowers (Learn more).
Fee Saver and Skip-a-Pay (Learn more).
Repayment
Always know how much you're paying with a fixed rate and set payment amounts.
Payments are based on what you've borrowed, not your total credit limit.
For a full list of terms and definitions, visit the Line of Credit glossary page. Click here to view how Line of Credit fees work. Visit the Rates & Terms page to learn more about borrowing options available in your state.
If you’re approved, you can receive your funds the next business day or sooner.
Build credit history with on-time payments.
Not all quick loans are the same. To find the best fit for your financial needs, you should take time to compare your options — including loan terms, fees, interest rates or APRs, repayment terms and lender reputation. A little research can help you avoid costly surprises and find the best loan option for you.
Fees. Some lenders charge extra fees, such as an origination fee, late payment penalties, or prepayment charges. Make sure you understand all potential fees before borrowing, so you know the true cost of your loan.
Repayment. Choose a repayment schedule that works for your monthly budget and check to see if they offer repayment features like autopay that make it easy. Whether it’s bi-weekly or monthly payments, make sure the amount and duration feel manageable — especially if your income varies.
Reviews. Customer reviews can reveal how a lender handles issues and supports borrowers over time. Look for transparency, responsive service and consistent experiences.
If you’re approved and accept your offer before 11:00 a.m. CT Monday through Friday, funds may be deposited into your bank account the same business day. Otherwise, funding typically happens by the next business day. In some cases, additional verification may be required. Your bank’s processing times may affect the exact timing — but once you're approved, the process usually moves quickly.
Yes, NetCredit and lending partner banks offer same-day funding for qualified applicants who complete the process early in the day. If your application is approved and you accept your loan offer before 11:00 a.m. CT on a business day, funds may be deposited to your checking account that same afternoon, depending on your bank. In some cases, additional verification may be required.
To help avoid delays and receive your loan funds quickly:
The application process is fast, and many people complete it in just a few minutes. You’ll need to provide financial details such as your income and employment as well as some personal information. Everything happens securely online, and checking your eligibility won’t affect your FICO® score.
The application just takes minutes to fill out, and you'll receive an eligibility decision in seconds. If additional information is needed, you’ll be notified right away.
In many cases, online lenders are faster than storefront lenders. Online lenders often don’t require much paperwork and typically use automated decisioning technology that allows them to receive applications and make eligibility decisions much faster than storefront who may do the underwriting manually.
You may still qualify for a loan through NetCredit even if you don’t have good credit. NetCredit and lending partner banks consider your full financial picture rather than just your credit score when reviewing applications. This helps us approve more people, including those who may have been turned down by other financial institutions like banks or credit unions.
When checking your eligibility, NetCredit and lending partner banks will run a soft credit check to assess your creditworthiness. This won’t affect your FICO® score or appear on your TransUnion or Experian report. If you accept, a hard credit check will be run as a part of the final approval which can cause a temporary dip. However, as you repay, your payment activity will be reported to the major credit bureaus. This means that on-time payments can help you build your credit history.
Online personal loans through NetCredit can be used for a wide range of personal expenses. Many customers use them to cover unexpected bills, emergency car repairs or urgent home improvements. Others may use the funds for moving expenses, travel or debt consolidation if they have high interest debt. As long as the use is personal and legal, you're generally free to use your loan proceeds in the way that best fits your financial needs. Just be sure to borrow responsibly and only take on what you’re confident you can repay.
The best borrowing option is the one that fits your needs and your budget. Short-term online personal loans and lines of credit are popular choices and are often a safer choice than payday loans, which come with high interest and short repayment periods.
Borrow from family and friends. While it can be uncomfortable to ask your loved ones to borrow cash, it’s often the lowest cost option. They’re likely to give you the best borrowing terms and be flexible with repayment. Just be sure to communicate clearly and stick to your repayment plan to avoid putting stress on your relationship.
Personal loans. A personal loan offers an upfront, lump sum of cash that can be used to cover large, one-time expenses. They’re then paid off in smaller installments over time. These are often unsecured loans meaning you won’t need to offer collateral to secure loan approval and they typically come with fixed interest rates.
Lines of credit. A line of credit is another borrowing option. It’s a form of revolving credit that works similarly to a credit card. If approved, you’ll get access to funds up to a set credit limit. You can draw from your credit limit when you need funds. As you repay, the funds become available to borrow again. This makes it a good option for ongoing expenses.
This won't affect your FICO® score.
