NetCredit Personal Loans

in Personal Loans from Enova International

Claimed Apply Now Get Personalized Rates

NetCredit Personal Loans


in Personal Loans from Enova International

SuperMoney Net Recommendation Score -43%



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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

14 users recommend
2 users are unsure
37 users don't recommend
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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 53

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 14 states across the USA.

Key Takeaways
  • 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
NetCredit Personal Loans Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • APRs as high as 155%.
  • Charges an origination fee of up to 5% of the loan amount.
  • Charges a late fee of up to $25.
NetCredit Personal Loans FAQ

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.

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.

NetCredit Personal Loans Rates & Terms
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.

NetCredit Personal Loans Fees
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
NetCredit Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • 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.

    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. Depending on your state, your loan may be offered by NetCredit or its partner lender, Republic Bank & Trust Company, Member FDIC. You may be asked to provide additional documents 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, Rates & 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...
    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.


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

    Other Services by Enova International

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    Message From Enova International

    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. NetCredit has partnered with Republic Bank & Trust Company, Member FDIC to offer personal loans in some states. Loans will be underwritten by, approved by and made by Republic Bank & Trust Company. Loans are serviced by NetCredit.


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

    Feature Breakdown

    No Prepayment Fee  
    Late Fee Amount $15 - $25
    Late Fee Grace Period 10 days
    Origination Fee (%) 5%
    Checking Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Minimum Annual Income $20,000
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required Proof of Income
    Credit Score Range 500 - 700
    Approval Speed 48 hours
    Credit Bureau Reporting
    • Experian
    • TransUnion
    Customizable Payment Dates  
    Funding Time Range 1 - 3 days
    Payment Options
    • Automatic Payments
    • Check by mail
    Pre-Approved Soft Credit Inquiry  
    Loan Amount $1,000 - $10,000
    APR (Fixed APR) 34% - 155%
    Loan Term 6 - 60 months

    NetCredit Personal Loans Community Reviews


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    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.

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