The credit you’ve been looking for.

Online loans up to $10,000.

  • Fast funding
  • Flexible terms
  • Simple applicationLearn more at our Rates & Terms.
Check Your Eligibility

This won't affect your credit score.

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


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 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


An installment loan that offers a lump sum with predictable payments

Revolving credit with increased flexibility


6 – 60 months

Open-end credit


Lump sum disbursed up front

Revolving access to funds


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)


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.

Check Your Eligibility

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…  "
See More of Her Story

Customer was compensated for sharing their story.

Check Your Eligibility

This won't affect your credit score.