Your financial situation is unique. Shouldn't your loan options be, too?

  • Fast funding
  • Flexible terms
  • Up to $10,000*Learn more at our Rates & Terms.
Check Your Eligibility

This won't affect your credit score.

NetCredit has partnered with Republic Bank & Trust Company and Transportation Alliance Bank, Inc. d/b/a TAB Bank to offer personal loans and lines of credit in some states. In those states, applications will be underwritten by, approved by and made by a lending partner bank. Accounts will be serviced by NetCredit. Learn more here.

What makes us different?

You're not just your credit score.

You’re more than a number in a database, and you deserve a financing solution designed for you. When you apply, advanced algorithms take a broader look at your finances to create an offer just for you. Learn how this technology is helping more people get credit.

You can pick what you need.

You can borrow an amount that meets your needs and repay in a way that works for your financial situation. Learn more about the financial flexibility you can get with a personal loan or line of credit.

You can improve your finances.

Some online lenders don’t report to major credit bureaus. For NetCredit personal loans and lines of credit, your payment history is reported to major credit bureaus. That means you can build credit history by making on-time payments, giving you the power to build a better future. See how repaying on time can boost your credit.

How It Works


Check your eligibility.

See how much you can get in minutes with a secure application.


Review your offer.

Choose what you want and see if the available amounts and terms work for you.


Get your money.

If approved, requested funds are typically deposited the next business day or sooner.

What We Offer

NetCredit works with lending partner banks that offer financial products in some states. Head to our Rates & Terms for more details and to learn what is offered in your state. For a full list of terms and definitions, visit the Line of Credit glossary page.

Personal Loans
Up to $10,000*

Lump Sum and Fixed Rates: Receive your funds upfront and repay over a set payment schedule.

Customizable Terms: Choose the loan amount and duration that best fit your financial goals.

Lines of Credit
Up to $4,500

Flexible Revolving Credit: Draw the amount you need from your Available Credit and repay based only on what you’ve borrowed.

NetCredit Rewards: Unlock rewards like Skip-a-Pay and Fee Saver with qualifying account activity.

Check Your Eligibility

This won't affect your credit score.

Tools and resources to keep your finances strong

NetCredit has partnered with trusted financial resource providers and regularly creates content to help you save money and reach your financial goals.

Whether it's through financial education, connecting you with savings programs and employment services, or providing ideas for your budget, NetCredit is here for you beyond the borrowing experience.

View Financial Resources

Trusted by thousands of people like you.

See what Alanna did to find financial stability.

" Getting the loan in general gave me the cushion I needed to budget my bills accordingly…  "
See More of Her Story

Customer was compensated for sharing their story.

Check Your Eligibility

This won't affect your credit score.