Quick Solutions for Common Questions
Quick funding is available for NetCredit lending products. A simple online application takes just minutes to fill out, and you'll receive an eligibility decision in seconds. If eligible, once you select and sign your agreement, you'll typically receive a final decision within the same business day. Depending on whether we need to verify additional information, it could take up to three business days.
Approved applications are typically funded the next business day. Applicants who submit an application before 7:00 a.m. CT Monday – Friday may receive their funds the same business day. Approval may be subject to additional verification. Failure to provide additional documentation promptly may delay funding.
Line of Credit
If you have an active line of credit, you can request a Cash Advance at any time as long as your Account is current and you have Available Credit. If you request a Cash Advance between 12 a.m. and 9:30 a.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 9:30 a.m. CT are typically funded the next business day. If you request funds over the weekend, you'll typically receive your money the following Monday. For a full list of terms and definitions, visit the Line of Credit glossary page.
Personal loan and line of credit applications are subject to underwriting and additional verifications for approval. Providing requested documentation in a timely manner may help prevent funding delays. Keep in mind that the exact funding time will depend on your bank. If there’s any delay, don’t hesitate to inquire with them.
NetCredit personal loans range from $1,000 to $10,000* and lines of credit range from $500 to $4,500, but your eligibility will depend on your state of residence and your creditworthiness. In some states, you may be charged an origination fee for a personal loan, which will be deducted from your loan amount prior to disbursement. Line of credit customers will receive their funds after a 10% Cash Advance Fee is deducted from the amount of each Cash Advance. To ensure you have enough funds to cover your expected expense(s), it is recommended that you borrow enough to cover any applicable fees as well. To see what you are eligible for, just fill out a quick online application — it takes only minutes and won't affect your credit score.
You will always receive the best NetCredit offer available for you. Your eligibility will be determined by looking at your unique financial picture — not just your credit score.
If you're eligible for a personal loan, you'll be presented with the highest amount you qualify for and can select the amount that's right for you before you sign. You can choose the highest qualifying loan amount or opt for a smaller loan amount.
If you're eligible for a line of credit, you'll receive an offer for the highest Credit Limit that you qualify for. If approved, you can borrow the amount you need from your Available Credit.
For a full list of terms and definitions, visit the Line of Credit glossary page.
At NetCredit, we believe it's important to offer easy and convenient ways to pay back your loan or line of credit. We offer electronic fund transfer (EFT) as a recurring payment option (AutoPay) so you never have to worry about forgetting a due date. When you apply for a personal loan or line of credit, you’ll have the opportunity to select AutoPay as your preferred option. If you do not want to make payments by recurring EFT, we also offer paper check as a repayment option. For one-time payments, we accept debit card, prepaid card, paper check, money order, one-time EFT, MoneyGram and Western Union. Please review details about each payment method, including cutoff times below:
Recurring ACH (EFT – AutoPay)
This is the most popular repayment method for many customers. ACH stands for Automated Clearing House and is a form of electronic debit. We electronically debit your bank account for your regularly scheduled payment; debits are timed to coincide with your due dates. You must set up AutoPay or make changes to your AutoPay payment before 6 p.m. Central Time (CT) on the day before your payment due date. For example, if your payment is due on January 5, you must set up or make changes to your AutoPay payment before 6 p.m. CT on January 4. Typically, you will see the debit go through within two business days of your due date, but check with your financial institution for details on their ACH practices.
Debit Cards and Prepaid Cards
Debit cards and prepaid cards are accepted for one-time payments by calling Customer Service during our hours of operation (Monday – Friday 8 a.m. – 8 p.m. and Saturday – Sunday 9 a.m. – 5:30 p.m. CT) and will be credited and applied the same day. For example, if your payment is due on January 5, your debit card payment must be made on or before January 5 during the hours of operation.
If you have a NetCredit personal loan you may also make one-time debit card payments by logging into your account with a card on file.
Paper Check or Money Order
We must receive your paper check or money order payment before each contractual due date. You will need to send payment to:
P.O. Box 206766
Dallas, TX 75320-6766
IMPORTANT: Account ID or Account Number and Customer Name must be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your check or money order before your scheduled due date.
When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back from your financial institution. For inquiries, please call (877) 392-2014.
Other Repayment Methods
You can always change your preferences during the life of your loan. Additional options include sending us a MoneyGram or Western Union payment. If you are making a payment through MoneyGram, you can search for NetCredit or find us using receive code 10322.
If you are sending a sending a physical Western Union payment, please send payments to:
P.O. Box 206766
Dallas, TX 75320-6766
IMPORTANT: Account ID or Account Number and Customer Name should be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your payment before your scheduled due date.
Please note that these options are not recurring, so you will need to schedule your payment in advance of each contractual due date. Call us at (877) 392-2014 for more details on how to set up a payment.
Financial situations can change and you may need more flexibility when borrowing money. That's why personal loan customers in select states may be eligible to refinance. If eligible, customers may choose to borrow more money.
Eligible customers in the following states may be able to refinance: Alabama, California, Delaware, Georgia, Idaho, Illinois, Louisiana, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah and Wisconsin.
Eligibility requirements may vary by state.
For immediate answers to other commonly asked questions, visit our FAQ page.