Last Updated: 01/08/2026
NetCredit Personal Line of Credit
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Last Updated: 01/08/2026
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Highlights
Amount Range
$500 - $4,500
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APR (Fee-Based Product)
51.1% - 434.5%(Verified 01/08/2026)
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NetCredit Personal Line of Credit Review
NetCredit Personal Line of Credit is offered through CNU Online Holdings, LLC, a direct lender founded in 2004 and based in Chicago, IL. NetCredit line of credit are available in 7 states.
NetCredit Personal Line of Credit FAQ
What APRs does NetCredit Personal Line of Credit offer?
NetCredit Personal Line of Credit offers a fee or charge based product that ranges from 51.1% APR up to 434.5% APR.
Unlike most credit lines, which typically charge a simple daily interest rate, NetCredit Personal Line of Credit does not have a periodic interest rate. Instead, NetCredit Personal Line of Credit charges a fee when you take a cash advance, plus a fee each payment period based on your ending principal balance (inclusive of the cash advance fees). The equivalent APR will vary depending on the amount borrowed and how long you take to repay, starting at 51.1% APR up to 434.5% APR. Does the 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 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?
Yes, NetCredit Personal Line of Credit can charge a statement balance fee of $5 to $350 each billing cycle.
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 limit of at least $500 and as much as $4,500. .
| 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. NetCredit Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by NetCredit Personal Line of Credit.
To qualify, applicants may need to provide the following documentation:
- 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?
Yes, NetCredit Personal Line of Credit reports to the following credit bureaus:
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
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. NetCredit line of credit allows you to check your rates with a soft credit pull.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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NetCredit Personal Line of Credit Community Reviews
Would you recommend NetCredit Personal Line of Credit to your friends?
LR
Lisa R.
May 10, 2021
May or may not recommend
It was very easy to apply and get approved for a loan with NetCredit. They are very professional and funding took just two days. I would definitely use them again for any future loan needs and recommend them to my friends. I just had to provide proof income which they were able to link electronically using my username and password online banking information. Definitely would say only use the ...Show More
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