Last Updated: 01/08/2026
NetCredit Personal Line of Credit
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Last Updated: 01/08/2026
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NetCredit Personal Line of Credit Review
NetCredit Personal Line of Credit FAQ
What APRs does NetCredit Personal Line of Credit offer?
Does the NetCredit Personal Line of Credit charge an origination fee?
Does the NetCredit Personal Line of Credit charge a cash advance fee?
Yes, NetCredit Personal Line of Credit may charge a fee of 10% of the amount of each cash advance.Does the NetCredit Personal Line of Credit charge a statement balance fee?
Does NetCredit Personal Line of Credit charge a late fee?
No, NetCredit Personal Line of Credit will not charge you a late fee .How much can you borrow via NetCredit Personal Line of Credit?
| Cash Advance Fee | 10% |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | $5 - $350 |
| Billing Cycle Charge | No |
What do you need to qualify for NetCredit Personal Line of Credit?
NetCredit Personal Line of Credit does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking account
- Proof of identity
What is the estimated funding time for a personal line of credit via NetCredit Personal Line of Credit?
NetCredit Personal Line of Credit will typically fund personal lines of credit within 1 business day of approval.Does NetCredit Personal Line of Credit report your account activity to credit bureaus?
- Experian
- TransUnion
Does CNU Online Holdings, LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.How to apply for NetCredit Personal Line of Credit
- Visit the NetCredit Personal Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
NetCredit Personal Line of Credit Disclosure: This offer is representative of what may be available to you; you may see additional options or slightly different terms once you continue the application process on the NetCredit website. You may be asked to provide additional documents regarding your income, identity and bank account. All NetCredit loans and lines of credit are underwritten, approved and funded by either NetCredit or one of its lending partner banks. Visit https://netcredit.com/lending-partners for more information. All loans and lines of credit are serviced by NetCredit. For Lines of Credit, a 10% Cash Advance Fee will be deducted from the amount of each Cash Advance, and each billing period a Statement Balance Fee of $0 - $700 will apply based on your Cash Advance Balance. Each Billing Cycle, your Minimum Payment will include a portion of your Cash Advance Balance plus the Statement Balance Fee. The minimum Cash Advance varies by state. Please see Terms of Use, Rates & Terms and Borrower Agreements for all terms, conditions and requirements. KS residents: NetCredit Loan Services, LLC, License No. SL.0026603.
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