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Chosen 1,225 times
  • Low APRs From 2.99% variable
  • 0.25% AutoPay interest rate reduction
  • No Application Fee
  • No Early Repayment Penalty Fees
Chosen 13,890 times
  • Fixed 5.74% to 20.28% APR (with AutoPay)
  • Federal and private student loan consolidations
  • No charge for the first $10,000 invested
  • A social finance company
Chosen 15,811 times
  • Loans of up to $3,000
  • Repayment period of up to 6 months
  • Higher APR rates
  • Rewards customers who are in good standing

Review of NetCredit


  • Personal loans of up to $10,000

  • Pre-qualify without hurting your credit

  • Not available in all states

  • Fast funding and flexible terms

What is NetCredit?

NetCredit offers personal loans of up to $10,000 in most U.S. states. NetCredit is a subsidiary of Enova International, Inc., which is a member of FDIC. It has also partnered with Republic Bank & Trust Company.

Enova is based in Chicago but has several brands and services in other locations, including South America, Europe, and Australia.

NetCredit reports to all major credit bureaus, making it easy for borrowers to improve their credit scores and build their financial future.

Available in these states: AL, AK, CA, DE, FL, HI, ID, IL, KS, LA, ME, MD, MI, MN, MS, MO, NV, NM, ND, OH, OK, OR, RI, SC, TS, TX, UT, VA, WA, WI, WY

By reading NetCredit reviews below, you will gain a better idea of whether this lender is the right fit for your financial needs.

How It Works

At NetCredit.com, borrowers can qualify for a loan of up to $10,000 without affecting their credit. After completing a quick online application, NetCredit.com determines which types of loans they may qualify for.

The company also offers a MyChoice Guarantee, which allows consumers to return their loan within a limited amount of time after loan funding, if they discover that the loan is not the right fit for their needs.

To manage a loan, you can find the NetCredit login on the homepage.

Chosen 1,003 times
  • Loans up to $10,000
  • Available in most states
  • Repayment periods up to 60 months
  • Pre-qualify without hurting your credit

Loan Requirements

The terms and rates of NetCredit loans vary based on the state in which the applicant is located.

For example, depending on the applicant’s location, their loan may be offered by NetCredit or by Republic Bank & Trust Company. It is important to note that any examples of rates provided are only examples.

Typical requirements for a NetCredit loan include:

  • You must be at least 18 years or older.
  • You must have a valid personal checking account.
  • You must have a reliable source of income.
  • You must have an active email address.

Rates & Fees

NetCredit loans offer APRs of between 34% and 155%.

There are no application fees and no early repayment penalties. Some states may have a fee for late or missed payments.

Some states may also charge an origination fee that will be deducted from your loan proceeds. This fee is only charged if the loan is approved.

Repayment Terms

Repayment terms on a NetCredit loan are between six and 60 months.

How To Apply for a NetCredit Loan

Step 1

Apply online

The first step in applying for a loan is to complete the brief online application that takes only a few minutes.

Step 2

Review loan offers

Applicants can check their eligibility in minutes without affecting their credit score. If you qualify, you can customize the amount you want to borrow and your repayment schedule by clicking the Modify Loan Details button. 

Step 3

Get paid

Customers who are approved will typically receive their funds within one business day. 

Read more Net Credit reviews below or add your own.

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    Reviews of NetCredit

    NetCredit is rated 77 out of 282 companies in total rating and got an average review score of 3 based on 2 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
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    sucks 1 review | June 4, 2017
    General Review
    Netcredit sucks.. AVOID at all costs
    Post reply
    eoiwfenklvnevw 1 review | February 28, 2017
    General Review
    Their customer support is amazing. They have the patience to help me even with the most stupidest questions. Very good service
    Post reply

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