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Last Updated: 01/28/2026

NetCredit Personal Loans

in Personal Loans from CNU Online Holdings, LLC

Last Updated: 01/28/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Verified by:

CNU Online Holdings, LLC

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Mostly not recommended54 total votes

16 users recommend

4 users are unsure

34 users don't recommend

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Compare personal loan offers from NetCredit Personal Loans and their competitors.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

Highlights

Community Rating

Mostly not recommended

APR (Fixed APR)

34% - 99.99%(Verified 12/12/2025)

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Amount Range

$1,000 - $10,000

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Loan Term (Months)

6 - 60

Number of Reviews

NetCredit Personal Loans Review

NetCredit Personal Loans is offered by CNU Online Holdings, LLC, a direct lender founded in 2004 and based in Chicago, IL. NetCredit are available in 32 states.

Key Takeaways

APRs starting at 34%. Personal loan interest rates typically range between 9% and 36%. The starting rates for NetCredit Personal Loans are on the higher end of the spectrum.
Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
Prequalified rate. You can check your prequalified rate at CNU Online Holdings, LLC with a soft pull that will not affect your FICO or VantageScore.
No origination fee. NetCredit Personal Loans does not charge a loan origination fee.
No late fees. NetCredit Personal Loans will not charge additional fees if you miss the due date on a payment.
Short loan terms. NetCredit Personal Loans have loan terms as short as 6 months.

NetCredit Pros & Cons

Pros

Cons

No prepayment penalty.
No origination fees.
Considers applicants with poor credit.
Get funded in as little as 1 business day.

APRs as high as 99.99%.
No co-sign option available.

NetCredit FAQ

What interest rates and personal loan terms does NetCredit offer?

NetCredit has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does NetCredit offer?

NetCredit offers a fixed APR personal loan product that ranges from 34% APR up to 99.99% APR.

How much can you borrow via NetCredit?

Personal 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 loans with terms of up to 60 months.

NetCredit Interest Rates & Loan Terms

Personal Loan Amount

$1000 - $10000

Loan Term

6 - 60 months

APR

34% - 99.99%

What fees does NetCredit charge?

Does NetCredit charge an origination fee?

NetCredit does not charge a personal loan origination fee.

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

Does NetCredit charge a late fee?

No, NetCredit will not charge you a late fee if you miss payments.

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 personal loan off early.

NetCredit Fees

Origination Fee

Prepayment Fee

Late Payment Fee

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.

NetCredit Personal Loans 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 Loans.

To qualify, applicants may need to provide the following documentation:

Applicants must have an active and valid personal checking account
Proof of income
Driver's license or other government photo ID

NetCredit Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Credit Score

500 - 700

What is the estimated funding time for a personal loan via NetCredit?

NetCredit will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does NetCredit Personal Loans report your account activity to credit bureaus?

Yes, NetCredit Personal Loans 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 allows you to check your rates with a soft credit pull.

Are NetCredit Personal Loans legit?

CNU Online Holdings, LLC was founded in 2004, it is a well-established company that has been in business for 22 years. NetCredit Personal Loans is mostly not recommended by SuperMoney community users.

NetCredit Personal Loans 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.

Message from NetCredit

Our brilliant, focused and, dare we say, personal team is passionate about helping hardworking people like you get access to fast, trustworthy credit. So you can stop worrying about your finances – and get back to what matters most. Your unique financial needs mean a lot to us. So no matter what challenges you face, our friendly Customer Support Team can help you find a fast funding solution that’s right for you. We’ll keep things simple, convenient and honest, so you can feel confident in choosing us. You’ll always know your costs up front and you can even try us out worry-free. With flexible funding and fee financial education, NetCredit is here to help you manage your money situation today – and take steps toward a brighter tomorrow. Depending on your state, your loan will be originated by NetCredit or one of our lending partners. All loans and lines of credit are serviced by NetCredit.

Message from our editor

What We Love About NetCredit

NetCredit is a lender that provides subprime loans to people who have poor credit. One of the advantages is that the terms are flexible, and you’ll find that there are no hidden fees or hidden penalties to worry about when using them. Another benefit is that you can check your rates without damaging your credit. Additionally, it will report to two of the major credit bureaus, which means it could help you to improve your credit over time.

The process of applying is simple and fast, and it could be a good choice for those who have bad credit and can’t get loans elsewhere. The company provides fixed simple-interest loans, so the payments don’t change during the duration of the loan. There are no prepayment penalties, so borrowers can save money when they pay off the loan early.

What NetCredit Could Do Better

While it is easier for many people to borrow with NetCredit, it doesn’t mean that it’s the right choice for everyone or that they don’t have issues. The interest rates through the subprime lender are high. The rates borrowers will pay will depend on their credit history, employment history, and the state in which they live. The high interest is the one major drawback of NetCredit.

NetCredit’s Backstory

NetCredit launched in 2012 as a means to provide underbanked people with the ability to get loans when traditional lenders refuse. The company is a subsidiary of Enova International, which provides online financial services, which is spun off from Cash America, the largest pawnshop operator in the world. Even though NetCredit might appear to be a young company, its connection to Enova provides it with far more resources than many financial startups.

The Verdict

With the range of options available for lending, it’s often best to check to see if you can qualify for a prime loan first. This can help you save a substantial amount of money in interest. Companies like Prosper and SoFi can check your rates without a hard credit check, so you won’t have to worry about a hit on your credit score. However, for those who do not have good enough credit for a prime lender, NetCredit could be the best choice available.

Contact

Headquarters

175 W. Jackson Blvd.

Suite 600

Chicago, IL 60604