NetCredit Personal Loans
in Personal Loans from Enova International
Claimed Apply Now Get Personalized RatesNetCredit Personal Loans
in Personal Loans from Enova International
Would you recommend NetCredit Personal Loans to your friends?
| Community Rating | Mostly not recommended |
| Loan Amount | $1,000 - $10,000 |
| APR (Fixed APR) | 34% - 155% |
| Loan Term | 6 - 60 months |
| Number of Reviews | 52 |
NetCredit Personal Loans Review
NetCredit Personal Loans is offered by Enova International, a direct lender founded in 2009 and based in Chicago, IL. NetCredit Personal Loans is available in 34 states (and Washington, DC).
What rates and terms does NetCredit Personal Loans offer?
NetCredit Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.
What personal loan APRs does NetCredit Personal Loans offer?
NetCredit Personal Loans offers a fixed APR personal loan product that ranges from 34% APR up to 155% 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.
How much can you borrow via NetCredit Personal Loans?
Loan amounts start at $1,000 and go up to $10,000.
What can a personal loan from NetCredit Personal Loans be used for?
Personal loans from NetCredit Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, medical expenses & procedures, unexpected expenses or similar purposes.
What is the maximum loan term you can get with NetCredit Personal Loans?
NetCredit Personal Loans 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.
| Loan Amount | $1000 - $10000 |
| Loan Term | 6 - 60 months |
| APR | 34% - 155% |
What fees does NetCredit Personal Loans charge?
Does NetCredit Personal Loans charge an origination fee?
NetCredit Personal Loans charges a loan origination fee of 5% of the loan amount (origination fees and requirements vary by state). NetCredit Personal Loans 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 Personal Loans charge a late fee?
Yes, NetCredit Personal Loans may charge borrowers a late payment fee
Does NetCredit Personal Loans charge prepayment fees?
No, NetCredit Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
| Origination Fee | 5% |
| Prepayment Fee? | No |
| Late Payment Fee | N/A |
What do you need to qualify for NetCredit Personal Loans?
Applicants with a credit score of at least 500 and up to 700 are eligible for NetCredit Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.To qualify for personal loans with NetCredit Personal Loans, applicants need a minimum annual income of $20,000 or higher. NetCredit Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.
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. Active duty service members and their covered dependents are eligible to apply for a loan via NetCredit Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by NetCredit Personal Loans. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid checking account
- Proof of income
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
|
| Credit Score | 500 - 700 |
What is the estimated funding time for a personal loan via NetCredit Personal Loans?
NetCredit Personal Loans will typically approve (or deny) a loan application within 48 hours and fund personal loans within 3 business days of approval.
Does NetCredit Personal Loans report your account activity to credit bureaus?
NetCredit Personal Loans 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.
Contact
- Headquarters
-
175 W. Jackson Blvd.
Suite 1000
Chicago, IL 60604 - Visit Site
Message from Enova International
Other Services by Enova International
Availability
- Alabama
- Alaska
- Arizona
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Jersey
- New Mexico
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Rhode Island
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
- Wyoming
NetCredit Personal Loans Community Reviews
Other Personal Loans
Enova International Personal Loans
CashNetUSA Personal Loans
Loan Amount
$300 - $3.5K
APR
89% - 449%
Loan Term (Months)
6 - 24
