in Personal Loans

SuperMoney Net Recommendation Score -45% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

10 users recommend
4 users are unsure
30 users don't recommend
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Where does NetCredit do business?

NetCredit is a direct lender based in Chicago, IL. Founded in 2012, NetCredit offers access to personal loans in 14 states across the USA.

What are the APRs offered via NetCredit?

NetCredit has a fixed APR that ranges from 34% up to 150%.

Does NetCredit charge an origination fee?

Yes, NetCredit charges a loan origination fee of 0% to 5% of the loan amount. NetCredit deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow. 

Does NetCredit charge a late fee?

Yes, NetCredit may charge borrowers a late payment fee

Does NetCredit charge prepayment fees?

No, NetCredit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via NetCredit?

Loan amounts start at $1,000 and go up to $10,000.

What is the maximum loan term you can get with NetCredit?

NetCredit offers personal loans with terms ranging from 6 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with NetCredit?

Applicants with a credit score of at least 500 can apply for a loan via NetCredit . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a NetCredit loan, applicants need a minimum annual income of $20,000 or higher. NetCredit only considers borrowers who are employed and meet the minimum income requirement.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via NetCredit. Their rates fall within the limits of 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 income
  • What is the estimated funding time for a personal loan via NetCredit?

    NetCredit will typically approve (or deny) a loan application within 48 hours and fund personal loans within 3 business days of approval.

    Does NetCredit report loan payments to credit bureaus?

    NetCredit may report credit data to the following credit reporting agencies:

    • Experian
    • Transunion

    NETCREDIT 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 to enable us to verify your income, identity, and bank account. In some states, Annual Percentage Rate may be inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments may incur additional fees and may increase the cost of your fixed rate loan. Please refer to NetCredit’s Terms of Use, Rate & Terms, and Borrower Agreement for all terms, conditions and requirements.
    SUPERMONEY Disclosure: 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...


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


    Available in 14 states
    • Alabama
    • California
    • Delaware
    • Georgia
    • Idaho
    • Illinois
    • Missouri
    • New Mexico
    • North Dakota
    • South Carolina
    • South Dakota
    • Utah
    • Virginia
    • Wisconsin

    Feature Breakdown

    No Prepayment Fee
    Origination Fee
    0% - 5%
    Minimum Age
    Credit Score Range
    500 - 700
    850 300 500 700
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Minimum Annual Income
    Bank Account Required?
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Joint Loan Applications Accepted
    • Only Individual Applications
    Verification Documents Required
    • Proof of Income
    Loan Amount
    $1K - $10K
    $100 $100K+
    Loan Term (Months)
    6 - 60
    1 180
    34% - 150%
    4% 100%+
    APR Type
    Fixed APR


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