How Fees Work
Two types of fees are charged on NetCredit lines of credit: Cash Advance Fees and Statement Balance Fees. A Cash Advance Fee is charged each time you take a Cash Advance from your line of credit and is deducted from the amount of the Cash Advance. The Statement Balance Fee is charged every Billing Cycle and is calculated based on the current Cash Advance Balance you have outstanding at the end of the period.
The specific amount of your Statement Balance Fee for each corresponding Cash Advance Balance amount is based on your Billing Cycle, creditworthiness at the time of your application, and the creditor to which your application is assigned. See the fee table below for the applicable Statement Balance Fee range per Cash Advance Balance.
Transaction Fees
Cash Advance Fee*
10% of the amount of each Cash Advance
Statement Balance Fee
For each Statement that shows a Cash Advance Balance of:
If you pay Bi-Weekly or Semi-monthly:
If you pay Monthly:
$0.00 - $25.00
$0.00 - $0.00
$0.00 - $0.00
$25.01 - $100.00
$3.00 - $6.50
$6.00 - $13.00
$100.01 - $200.00
$6.00 - $13.00
$12.00 - $26.00
$200.01 - $300.00
$9.00 - $19.50
$18.00 - $39.00
$300.01 - $400.00
$12.00 - $26.00
$24.00 - $52.00
$400.01 - $500.00
$15.00 - $32.50
$30.00 - $65.00
$500.01 - $600.00
$18.00 - $39.00
$36.00 - $78.00
$600.01 - $700.00
$21.00 - $45.50
$42.00 - $91.00
$700.01 - $800.00
$24.00 - $52.00
$48.00 - $104.00
$800.01 - $900.00
$27.00 - $58.50
$54.00 - $117.00
$900.01 - $1,000.00
$30.00 - $65.00
$60.00 - $130.00
$1,000.01 - $1,100.00
$33.00 - $71.50
$66.00 - $143.00
$1,100.01 - $1,200.00
$36.00 - $78.00
$72.00 - $156.00
$1,200.01 - $1,300.00
$39.00 - $84.50
$78.00 - $169.00
$1,300.01 - $1,400.00
$42.00 - $91.00
$84.00 - $182.00
$1,400.01 - $1,500.00
$45.00 - $97.50
$90.00 - $195.00
$1,500.01 - $1,600.00
$48.00 - $104.00
$96.00 - $208.00
$1,600.01 - $1,700.00
$51.00 - $110.50
$102.00 - $221.00
$1,700.01 - $1,800.00
$54.00 - $117.00
$108.00 - $234.00
$1,800.01 - $1,900.00
$57.00 - $123.50
$114.00 - $247.00
$1,900.01 - $2,000.00
$60.00 - $130.00
$120.00 - $260.00
$2,000.01 - $2,100.00
$63.00 - $136.50
$126.00 - $273.00
$2,100.01 - $2,200.00
$66.00 - $143.00
$132.00 - $286.00
$2,200.01 - $2,300.00
$69.00 - $149.50
$138.00 - $299.00
$2,300.01 - $2,400.00
$72.00 - $156.00
$144.00 - $312.00
$2,400.01 - $2,500.00
$75.00 - $162.50
$150.00 - $325.00
$2,500.01 - $2,600.00
$78.00 - $169.00
$156.00 - $338.00
$2,600.01 - $2,700.00
$81.00 - $175.50
$162.00 - $351.00
$2,700.01 - $2,800.00
$84.00 - $182.00
$168.00 - $364.00
$2,800.01 - $2,900.00
$87.00 - $188.50
$174.00 - $377.00
$2,900.01 - $3,000.00
$90.00 - $195.00
$180.00 - $390.00
$3,000.01 - $3,100.00
$93.00 - $201.50
$186.00 - $403.00
$3,100.01 - $3,200.00
$96.00 - $208.00
$192.00 - $416.00
$3,200.01 - $3,300.00
$99.00 - $214.50
$198.00 - $429.00
$3,300.01 - $3,400.00
$102.00 - $221.00
$204.00 - $442.00
$3,400.01 - $3,500.00
$105.00 - $227.50
$210.00 - $455.00
$3,500.01 - $3,600.00
$108.00 - $234.00
$216.00 - $468.00
$3,600.01 - $3,700.00
$111.00 - $240.50
$222.00 - $481.00
$3,700.01 - $3,800.00
$114.00 - $247.00
$228.00 - $494.00
$3,800.01 - $3,900.00
$117.00 - $253.50
$234.00 - $507.00
$3,900.01 - $4,000.00
$120.00 - $260.00
$240.00 - $520.00
$4,000.01 - $4,100.00
$123.00 - $266.50
$246.00 - $533.00
$4,100.01 - $4,200.00
$126.00 - $273.00
$252.00 - $546.00
$4,200.01 - $4,300.00
$129.00 - $279.50
$258.00 - $559.00
$4,300.01 - $4,400.00
$132.00 - $286.00
$264.00 - $572.00
$4,400.01 - $4,500.00
$135.00 - $292.50
$270.00 - $585.00
$4,500.01 - $4,600.00
$138.00 - $299.00
$276.00 - $598.00
$4,600.01 - $4,700.00
$141.00 - $305.50
$282.00 - $611.00
$4,700.01 - $4,800.00
$144.00 - $312.00
$288.00 - $624.00
$4,800.01 - $4,900.00
$147.00 - $318.50
$294.00 - $637.00
$4,900.01 - $5,000.00
$150.00 - $325.00
$300.00 - $650.00
$5,000.01 - $5,100.00
$153.00 - $204.00
$306.00 - $408.00
$5,100.01 - $5,200.00
$156.00 - $208.00
$312.00 - $416.00
$5,200.01 - $5,300.00
$159.00 - $212.00
$318.00 - $424.00
$5,300.01 - $5,400.00
$162.00 - $216.00
$324.00 - $432.00
$5,400.01 - $5,500.00
$165.00 - $220.00
$330.00 - $440.00
$5,500.01 - $5,600.00
$168.00 - $224.00
$336.00 - $448.00
$5,600.01 - $5,700.00
$171.00 - $228.00
$342.00 - $456.00
$5,700.01 - $5,800.00
$174.00 - $232.00
$348.00 - $464.00
$5,800.01 - $5,900.00
$177.00 - $236.00
$354.00 - $472.00
$5,900.01 - $6,000.00
$180.00 - $240.00
$360.00 - $480.00
$6,000.01 - $6,100.00
$183.00 - $244.00
$366.00 - $488.00
$6,100.01 - $6,200.00
$186.00 - $248.00
$372.00 - $496.00
$6,200.01 - $6,300.00
$189.00 - $252.00
$378.00 - $504.00
$6,300.01 - $6,400.00
$192.00 - $256.00
$384.00 - $512.00
$6,400.01 - $6,500.00
$195.00 - $260.00
$390.00 - $520.00
$6,500.01 - $6,600.00
$198.00 - $264.00
$396.00 - $528.00
$6,600.01 - $6,700.00
$201.00 - $268.00
$402.00 - $536.00
$6,700.01 - $6,800.00
$204.00 - $272.00
$408.00 - $544.00
$6,800.01 - $6,900.00
$207.00 - $276.00
$414.00 - $552.00
$6,900.01 - $7,000.00
$210.00 - $280.00
$420.00 - $560.00
*If you consistently make on-time payments of your Minimum Payment, you may qualify for Fee Saver reductions. For more information, visit the Line of Credit Rewards page. Your lender may cancel or make changes to the Fee Saver program at any time.