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Netcredit Personal Line of Credit

in Personal Lines of Credit from Enova International

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Netcredit Personal Line of Credit

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in Personal Lines of Credit from Enova International

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Highlights
Highlights
APR  (Fee-Based Product) 51.1% - 434.5%
Loan Amount $500 - $3,500

Netcredit Personal Line of Credit Review

Netcredit Personal Line of Credit is offered by Enova International, a direct lender founded in 2009 and based in Chicago, IL. Netcredit Personal Line of Credit is offered in 7 states across the USA.

What APRs does Netcredit Personal Line of Credit offer?

Netcredit Personal Line of Credit offers a fee-based product that ranges from 51.1% APR up to 434.5% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does Netcredit Personal Line of Credit charge an origination fee?

No, Netcredit Personal Line of Credit does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does 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 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?

Upon approval and based on your credit worthiness, your Netcredit Personal Line of Credit personal line of credit will be assigned a credit line of at least $500 and as much as $3,500. .

Netcredit Personal Line of Credit Fees
Cash Advance Fee 10%
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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.

Netcredit Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Netcredit Personal Line of Credit only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Netcredit Personal Line of Credit product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit

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 provide a credit approval decision in less than an hour and fund the line of credit within 3 business days .

Does Netcredit Personal Line of Credit report your account activity to credit bureaus?

Netcredit Personal Line of Credit reports your account activity to the following credit reporting agencies:

  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Netcredit Personal Line of Credit

  • Visit the Enova International website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
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Contact

  • Headquarters
  •   175 W. Jackson Blvd.
    Suite 1000
    Chicago, IL 60604
  •   Visit Site

Message from Enova International

NetCredit Line of Credit is a line of credit offering by NetCredit & Enova International, a direct lender based in Chicago, IL. Founded in 2009, Enova International offers access to personal loans and lines of credit in 14 states across the USA.

Other Services by Enova International

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 7 states
  • Alabama
  • Delaware
  • Idaho
  • Louisiana
  • North Dakota
  • Utah
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Carried Balance Fee $10 - $350
Cash Advance Fee (%) 10%
No Late Fees  
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of citizenship/residence (Green Card)
Funding Time Range (in days) 1 - 3
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates  
Payment Options
  • Automatic Payments
  • Check by mail
Pre-Approved Soft Credit Inquiry  
APR (Fee-Based Product) 51.1% - 434.5%
Loan Amount $500 - $3.5K

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