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Online Personal Loans up to $10,000

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Why choose a personal installment loan through NetCredit?

Customizable

Customize your loan amount and repayment schedule to fit your goals and budget.

Predictable

Your payments are fixed and scheduled, so there are no surprises.

Transparent

No hidden fees or prepayment penalties — see your full terms before you borrow.

How does a personal loan through NetCredit work?

Apply online in just minutes.

The loan application process is built with speed and ease in mind. Checking your eligibility won’t impact your FICO® score, and you’ll get a quick decision.

Get funds as soon as the same day.

If approved before 11:00 AM CT Monday - Friday, your loan funds will be sent straight to your bank account — as soon as that same day.

Build credit history as you repay.

You’ll make fixed payments for an agreed period of time. Payments are reported to the major credit bureaus, so on-time payments can help build your credit history.

What do I need to apply for a personal loan through NetCredit?

You must be 18 or older.

You must have a valid personal checking account.

You must have an active email address.

You must have a verifiable source of income.

Check Your Eligibility

This won't affect your FICO® score.

Which NetCredit funding option is best for me?

Depending on the state you live in, NetCredit or a lending partner bank may offer a personal installment loan, a line of credit, or both. See which product might work best for you. Check our Rates & Terms page to see which products are available in your state.

Personal Loans
up to $10,000

Lines of Credit
up to $4,500

Overview

An installment loan that offers a lump sum with predictable payments.

Revolving credit with increased flexibility.

Duration

6 – 60 months.

Open-end credit.

Funding

Lump sum disbursed up front.

Revolving access to funds.

Flexibility

Choose your loan amount and duration from the range you're offered.

Draw from your Available Credit as often as you'd like.

Rewards & Benefits

Refinancing available in select states for qualifying borrowers (Learn more).

Fee Saver and Skip-a-Pay (Learn more).

Repayment

Always know how much you're paying with a fixed rate and set payment amounts.

Payments are based on what you've borrowed, not your total credit limit.

For a full list of definitions, visit the Line of Credit glossary page. Visit the Rates & Terms page to learn more about borrowing options available in your state. Click here to view how Line of Credit fees work.

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FAQs: Learn more about personal loans.

What is a personal loan?

A personal loan is one way for an individual consumer to borrow money. Personal loans are typically structured as installment loans, which are paid off over a defined period of time. The loan amounts and repayment terms can range broadly, depending on the state and the lender.

Typically, the borrower receives a lump sum payment (the principal) from a financial institution and pays it back at a cost (interest rate plus any loan fees). For personal loans with an origination fee, the fee is often deducted from the principal loan amount, so the amount advanced to the borrower is the principal loan amount minus the origination fee.

The borrower will typically repay the entire principal loan amount, which includes the origination fee. Payments are made in regular installments — typically weekly, bi-weekly or monthly payments — over the term of the loan.

The interest rates for these personal loans are generally set by the lender and can vary depending on factors such as the borrower’s creditworthiness and the size and duration of the loan requested. Rates will usually be fixed for the life of the loan and calculated as an annual percentage rate (APR).

Personal loans are used mainly for personal, family or household purposes, such as debt consolidation, unexpected expenses, or major purchases like home improvements.

Personal loans through NetCredit range from $1,000 to $10,000, but your eligibility will depend on your state of residence and your creditworthiness. If approved, you can customize your loan amount before signing.

For more information about the loan options in your state, please visit the Rates & Terms page.

When you complete your application, a wide range of data points is considered to determine whether you're eligible for a personal loan through NetCredit, including your credit score. A "soft pull" is made to view your score, which doesn't affect your FICO®score.

If you are eligible and decide to accept an offer through NetCredit, a hard credit inquiry will be initiated as part of the final approval process. Hard credit pulls are reported to credit bureaus and may temporarily appear on your credit report and impact your credit score.

The interest rates and fees for a personal loan through NetCredit range from 34.99% to 99.99%, depending on a customer’s creditworthiness and the state they live in. If eligible, you'll be able to review your exact interest rate and full repayment schedule before you accept your offer. You can see your state’s APR range on the Rates & Terms page.

Loans through NetCredit have terms between 6 and 60 months, depending on the state you live in and your eligibility. You can see your state’s term range on the Rates & Terms page.

Approved applications are typically funded the next business day or sooner. Applications submitted before 11:00 a.m. CT Monday – Friday may be funded the same business day. Loan approval is subject to additional verification, and failure to provide additional documentation promptly may delay funding.

The terms of your personal installment loan agreement through NetCredit will have a simple fee structure with predictable fixed payments.

You will not be charged application, prepayment, non-sufficient funds, or late fees by your lender, per the terms of your installment loan agreement. All charges applicable to your state are laid out in our Rates & Terms.

Please note: this is an expensive form of credit. Other credit options may be less expensive.

Customers in some states may be eligible to refinance their personal loan and borrow more money. To see if you are eligible for a refinance through NetCredit, sign in to your account and look for “Borrow More Money.” If this is visible at the top of the page, you’re eligible to apply. If it is not there, you are not eligible. It should be noted, however, that eligibility criteria can change over time, and you may become eligible to apply for a refinance in the future.

There are 33 states in which customers may be eligible to refinance their NetCredit loan: Alabama, Alaska, Arkansas, Arizona, California, Delaware, Georgia, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, New Mexico, North Dakota, South Dakota, Ohio, Oklahoma, Oregon, Rhode Island, Tennessee, Texas, Wyoming, Utah and Wisconsin. Other states may be offered refinance features in the future.

Eligibility requirements may vary by state and lending partner bank. For more details about refinancing your loan, visit the NetCredit refinance page.

Getting credit approval for any type of funding can be challenging if you have bad credit. Before looking to take on new credit, it may be best for you to focus on improving your credit score.

If you have less-than-perfect credit, you may still qualify for a personal loan through NetCredit. Traditional lenders often focus only on your credit score, but NetCredit and lending partner banks look at the bigger picture of your financial situation, including your income, debt-to-income ratio and credit history. Checking your eligibility won’t affect your FICO® score, so you can see your options risk-free. If approved, making on-time payments may also help you build credit history over time.

While we can’t guarantee loan approval, our application process is designed to give more people a fair chance — even if you have less-than-perfect credit.

If approved for a personal loan, you can use it as a debt consolidation loan. Many borrowers choose a personal loan to simplify their finances by consolidating multiple debts — like high-interest credit card debt — into one fixed monthly payment. This can make it easier to manage your budget, reduce stress, and in some cases lower the total interest you pay. With personal loans through NetCredit, you’ll know your repayment terms upfront, and there are no prepayment penalties if you’re able to pay your loan off early.

No, you will not be charged any fees to pay off your loan early. All charges applicable to your state are laid out in our Rates & Terms.

Unsecured personal loans are loans that do not require the borrower to pledge an asset (like a home or car title) as collateral. Personal loans through NetCredit are unsecured — no collateral required.

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Check Your Eligibility

This won't affect your FICO® score.