in Personal Loans

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in Personal Loans

SuperMoney Net Recommendation Score -36% 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

12 users recommend
4 users are unsure
28 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 variable APR that ranges from 34% up to 150%.

Does NetCredit charge an origination fee?

No, NetCredit does not charge a loan origination fee.

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

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.

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: NetCredit is an industry-leading online financial services provider. Depending on your state, personal loans from $1,000 – 10,000 may be offered by NetCredit or by our partner lender, Republic Bank & Trust Company, Member FDIC. Visit the Rates & Terms page on our website for details. You can check your eligibility without affecting your credit score. If eligible, you may select the loan terms that are right for you. Once approved, you will typically receive your funds by the next business day. We do not charge any application or pre-payment fees. We also report payment activity, so on-time payments of your loan may help you build positive credit history.
    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 Origination Fee
    No Prepayment Fee
    Minimum Age
    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
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    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?
    Verification Documents Required
    • Proof of Income
    Loan Term (Months)
    6 - 60
    1 180
    Loan Amount
    $1K - $10K
    $100 $100K+
    34% - 150%
    4% 100%+


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