About Us

Our mission is simple: create easy and welcoming opportunities for consumers to get access to the credit they need.

Who We Are

NetCredit is an online financial services provider located in the heart of downtown Chicago. We’re a subsidiary of Enova International, Inc., an NYSE listed company (ENVA), and have partnered with Republic Bank & Trust Company, Member FDIC, giving us the expertise and resources to realize our vision and expand our product offerings. But within the NetCredit offices, we’re actually a small, focused, and dare we say, personal team: our brilliant developers, analysts, customer support specialists and other team members are extremely dedicated to making NetCredit the best solution for our customers.

Why We're Different

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We Believe Everyone Deserves Access to Credit

Important decisions shouldn’t be based on just one number. That’s why your eligibility and customized personal loan offer will be determined by looking at your broader financial picture—not just your credit score.

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We Believe Customers Come First

Our success depends on delivering what you really want and exceeding your expectations. That’s why our friendly Customer Support team is based right here in Chicago to foster strong relationships, answer hard questions and solicit honest feedback.

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We Believe It Should be Easy

Life is complicated enough. At NetCredit, we strive to keep things simple, convenient and transparent. From the quick online application to ClearCost for Me, we’re constantly working to make things a bit easier.

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We Believe Good Lenders Offer More than Loans

As the saying goes, “Knowledge is power.” That's why we provide a wealth of tools and tips about how to improve credit, pay off debt and retire comfortably. My CreditBuilder also helps build credit history as you repay your loan!

Check Your Eligibility

This won’t affect your credit score!