Short-Term Loans

NetCredit personal loans and lines of credit offer money with more time to repay.

Check Your Eligibility

This won't affect your credit score.

NetCredit can help with short-term funding.

When funding needs like emergency home and car repairs arise, people often look to short-term loans such as 30-day loans or 90-day loans to help. They might not think of how an installment loan or line of credit can cover the same expenses. NetCredit personal installment loans and lines of credit can both be used for emergency short-term funding.

Personal Loan

  • Up to $10,000
  • Lump sum of funds up front
  • Ideal for immediate expenses
  • Unsecured (no collateral required)
  • Repay over 6 months – 5 years

Line of Credit

  • Up to $4,500
  • Revolving access to funds
  • Ideal for emergency expenses as they arise
  • Unsecured (no collateral required)
  • Repayments based on what you borrowed

Apply for fast funding without collateral.

The application process is designed for speed, so you don’t have to offer up any collateral and, if approved, requested funds are typically deposited the next business day or sooner.

Get a decision based on more than just your credit score.

When you apply with NetCredit, advanced algorithms look at your broader financial picture rather than just your credit score.

Pay it back on a schedule that works for you.

If approved for a personal loan, you can choose a payment schedule that works best for you — and you can repay the loan early with no pre-payment fees to save on interest. With either lending product, you can pay back more each billing period, so long as your minimum payment amount is met.

What We Offer

NetCredit and lending partner banks offer personal loans up to $10,000 and lines of credit up to $4,500.

Depending on your application and the state where you live, you might qualify for one or both of our lending products. Head to the Rates & Terms for more details and to learn what is offered in your state.

How It Works

Check your eligibility.

See how much you can borrow 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.

See how a NetCredit customer can use a loan for short-term expenses.

  • Joyce has an urgent home repair to make, so she decides to look for a short-term loan to cover the cost.
  • Joyce goes online and finds NetCredit. A NetCredit personal loan could help her receive the money she needs and give her more time to pay it back compared to a short-term loan.
  • Joyce applies and learns that she is eligible for a personal loan within minutes. From the range she’s offered, she is able to customize the amount and term length to best fit her needs.
  • Joyce signs her contract. Because she submitted her application before 11:00 a.m. CT and was approved before 12:00 p.m. on a weekday, she receives her funds later that day!


Payday loans and credit card cash advances are the most common types of personal short-term loans. With those, a customer receives a lump sum of money and the funds are typically repaid upon the customer’s next payday (or within a few months). Some customers may also choose to overdraft their bank account. While not technically a loan, bank overdrafts typically come with high fees, which can make a term loan a better option in some cases.

NetCredit personal loans and 30-day, 60-day and 90-day loans are all term loans. This means a customer can receive a lump sum up front and repay it in installments over a scheduled period of time. The difference between NetCredit personal loans and short-term loans is that NetCredit allows you to apply for more money and repay it over a longer period of time. If you’re able to pay off your loan sooner than your scheduled term, you can do so with no penalty fee.

It can be. Lines of credit can give you the comfort of having funds available for use when you need them most, so you don’t have to worry about re-applying. You can simply request a draw and have the funds in your checking account the next business day or sooner.

That depends. Our technology looks at more than just your credit score, which allows approval for people who have difficulty securing traditional forms of credit.

Short-term lenders generally don’t report payment history to the major credit bureaus. With a NetCredit personal loan or line of credit, payment history is reported to two major credit bureaus: Experian and TransUnion. This means that on-time payments may help borrowers build credit history.

NetCredit offers flexible payment options, so you can repay in full as early as you wish — without any fees or penalties. You can also set up electronic fund transfer (EFT) as a recurring payment option so you never have to worry about forgetting a due date. To learn more about our repayment options, visit our FAQ page.

Trusted by thousands of people like you.

Check Your Eligibility

This won't affect your credit score.