Emergency Loans up to $10,000

Get funds the next business day or sooner.

Check Your Eligibility

This won't affect your credit score.

Emergency funds through NetCredit

Financial emergencies like an unexpected home repair or loss of income can strain your finances. Depending on your state of residence, you may be eligible for one or two reliable NetCredit funding options:

Personal Loan

  • Up to $10,000
  • Lump-sum payout up front
  • Ideal for immediate expenses
  • Unsecured (no collateral required)
  • No early prepayment penalties

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’ve borrowed

Apply with a fast and easy application.

The online application takes just minutes and you’ll receive an instant eligibility decision.

Know that your information is safe and secure.

Your data is protected by TrustedSite and 128-bit encryption. Plus, NetCredit never sells your personal information.

Work with a financial partner you can depend on.

You’ll always know all your costs before signing, and if you ever have questions, our Customer Support Team is here to help.

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.

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.

See how NetCredit loans can help with emergencies.

  • Louise works part-time at a coffee shop. Lately, her hours have been cut back drastically, making it difficult to pay her rent and bills on time.
  • She learns that she can quickly apply for a personal loan through NetCredit. If approved, she could borrow emergency funds to help pay for all of her necessities.
  • Louise likes that she is able to customize her personal loan amount and payment schedule to fit her needs, taking the stress out of repaying.
  • She checks her eligibility, is approved and signs her personal loan contract. With NetCredit fast funding, she can receive her funds the next business day or sooner.
  • Because there’s no early repayment penalty, Louise is able to repay her personal loan faster once she returns to working normal hours, helping her save on interest.


An emergency loan is a type of financing that is primarily used to cover bills, necessities and outstanding debts during difficult financial situations. The following are common forms of emergency funding:

  • Installment loans are a type of personal loan. The money borrowed is paid out up front as a lump sum and then paid back over a set number of repayments, also known as installments.

    Depending on your eligibility and the state in which you live, you may qualify for a NetCredit personal loan up to $10,000.

  • A line of credit functions similarly to a credit card. The borrower has a set credit limit from which they draw money. As the borrower repays, the credit becomes available again to use. The borrower repays only on the amount they currently have drawn, not their total credit limit.

    Depending on your eligibility and the state in which you live, you may qualify for a NetCredit line of credit up to $4,500.

  • Credit card cash advances involve taking out a short-term loan using the available balance on a credit card. Credit card cash advances may be charged higher interest rates or fees than normal purchases, which can make them very costly. You can typically request a credit card cash advance at an ATM or by using a convenience check.
  • Bank overdrafts are an option on many debit cards and checking accounts. While not a formal loan, a bank overdraft allows customers to cover a purchase or withdraw cash when they have insufficient funds. On average, bank overdrafts cost at least $25 per transaction, making them one of the most expensive types of emergency funding.
  • A payday loan is a short-term loan with a small principal balance that is usually repaid upon a borrower’s next pay date. They are designed to help borrowers cover more urgent expenses such as back-to-school costs, auto repairs and rent.

Whether or not you need to put up collateral to get approved for an emergency loan depends on if the loan you are applying for is secured or unsecured.

Unsecured loans don’t require collateral, but they usually involve a credit check. Both NetCredit financing options — personal loans and lines of credit — are unsecured. Your signature is the only guarantee of repayment for most unsecured loans.

If the loan is secured, you must offer collateral as a guarantee of repayment. Different types of collateral include car or property titles, bank savings deposits and investment accounts.

You can typically apply for an emergency loan from a variety of different financial sources, such as:

  • Online loans
  • Banks
  • Credit unions
  • Peer-to-peer networks

Most lenders will look at your credit history to determine the actual products, rates and terms that they can offer you. Depending on your application and the state where you live, you may qualify for a NetCredit personal loan or line of credit, which can help you cover emergency expenses.

Online lenders like NetCredit offer access to alternative funding solutions to people who have difficulty getting approved for traditional bank loans or other forms of credit. These lenders make it possible for someone with less-than-perfect credit to qualify for an emergency loan.

Trusted by thousands of people like you.

Check Your Eligibility

This won't affect your credit score.