The credit you’ve been looking for.
Online loans up to $10,000.
- Fast funding
- Flexible terms
- Simple applicationLearn more at our Rates & Terms.
NetCredit has partnered with Capital Community Bank, 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
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 and lending partner banks offer two different funding options: lines of credit and personal loans. The availability of each product may vary by state. Both offer great features:
Fast and secure online application process
Funds the next business day or sooner
No collateral needed
On-time payments can build credit history
No penalty for early payoff
Choosing a Personal Loan or Line of Credit
Comparing the benefits, funding amounts, pricing and repayment terms will help you decide which financing option is right for you. Head to our Rates & Terms for more details and to learn what is offered 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
Refinance available in select states (Learn more)
Fee Saver and Skip-a-Pay (Learn more)
Repayment
Always know how much you're paying with a fixed APR and set payment amounts.
Payments are based on what you've borrowed, not your total credit limit.
This won't affect your credit score.
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… 
Customer was compensated for sharing their story.
This won't affect your credit score.