
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 |
APR (Fixed APR) | 34% - 155% |
Loan Amount | $1,000 - $10,000 |
Loan Term (Months) | 6 - 60 months |
Number of Reviews | 55 |
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 13 states across the USA.
- APRs starting at 34%. Personal loan interest rates typically range between 5% and 36%. The starting rates for NetCredit Personal Loans are on the higher end of the spectrum.
- Fast access to funds. In some cases you can get your money within 1 business day.
- Prequalifed rate. You can check your prequalified rate at Enova International with a soft pull that will not affect your credit score.
- Origination fee of 5%. Origination fees and requirements vary by state. This is average for lenders that charge origination fees. However, plenty of lenders don't charge them.
- Short loan terms. NetCredit Personal Loans offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 months.
- Minimum income of $20,000. You will need an annual income of at least $20,000 to apply for NetCredit Personal Loans, which is below average for the lenders in our database
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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 APR rate does NetCredit Personal Loans offer?
NetCredit Personal Loans offers a fixed APR personal loan product that ranges from 34% APR up to 155% APR.
How much can you borrow via NetCredit Personal Loans?
Loan amounts start at $1,000 and go up to $10,000
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.
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 may charge 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 of up to $25, which is triggered if you're 10 days late.
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 | $15 - $25 |
What do you need to qualify for NetCredit Personal Loans?
Applicants with a credit score of at least 500 and up to 700 may be 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 only considers borrowers who are employed and meet the minimum income requirement.
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 personal checking account
- Proof of income
Minimum Age | 18 |
Bank Account Required? | Yes |
Application Types Accepted |
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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?
Yes, 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 may help improve your credit.
Contact
- Headquarters
-
175 W. Jackson Blvd.
Suite 1000
Chicago, IL 60604 - Visit Site
Other Services by Enova International

Message From Enova International
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Availability
- Alabama
- Delaware
- Georgia
- Idaho
- Illinois
- Louisiana
- Missouri
- New Mexico
- North Dakota
- South Carolina
- South Dakota
- Utah
- Wisconsin
Feature Breakdown
No Prepayment Fee | |
Late Fee Amount | $15 - $25 |
Late Fee Grace Period | 10 days |
Origination Fee (%) | 5% |
NetCredit Personal Loans Community Reviews
Would you recommend NetCredit Personal Loans to your friends?
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