How It Works

Working with NetCredit is simple and transparent from start to finish. You can check your eligibility in minutes without affecting your credit score. Approved customers will typically receive funds the next business day or sooner.

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 do I need to apply for a NetCredit personal loan or line of credit?

You must be 18 or older.

You must have a valid personal checking account.

You must have an active email address.

You must have a verifiable source of income.

What makes NetCredit so personal?

You're more than just one number. That's why your broader financial picture - not just your credit score - is used to check eligibility and determine offers. That’s why with My ScoreSaver™ you can check your eligibility for a personal loan or line of credit without affecting your credit score!

Here’s how it works:

  • Start by clicking the “Check Your Eligibility” button anywhere on
  • Create your personal account by providing a few details about yourself.
  • With My ScoreSaver™, check your eligibility without negatively impacting your credit score!
  • If you’re eligible, you will instantly be presented with your individualized offer for a personal loan, line of credit or both.
  • Customers eligible for both lending products can choose the offer that best suits their needs.

We understand that personalizing your funding options is important to you. That’s why we’ve created the My RightFit Tool™.

Depending on your eligibility and state of residence, you might be able to choose between a personal loan and line of credit, and customers who qualify for personal loans can customize their loan amount and repayments. Customers who take out an open-end line of credit can enjoy the ongoing flexibility to take Cash Advances from their Available Credit.

For a full list of terms and definitions, visit the Line of Credit glossary page.

Here’s how it works:

Fill out a quick online form to see if you’re eligible.

If eligible, you’ll be presented with an offer or offers selected just for you.

  • If you're eligible for a personal loan, you can click the “Modify Loan Details” button to adjust your loan offer.
    • Use the loan amount slider to select the right amount for you — from the minimum to the maximum, or anywhere in between.
    • Then select the repayment schedule that best fits your budget or goals — choose a lower payment over a longer period of time to minimize the impact on your monthly cash flow, or choose a higher payment over a shorter period of time to incur less interest and pay off your loan faster.
  • If you're eligible for a line of credit, you'll receive an offer for the highest Credit Limit that you are eligible for, based on your application details and state of residence.
    • If approved, you can sign in at any time, click "Request a Cash Advance" and select the amount you need from your Available Credit.
    • Since your line of credit is open-ended, you'll be able to draw from your available funds as frequently as you like. That means you'll have fast, flexible access to funds when your financial situation changes.

Our ClearCost for Me™ promise means that when you sign your contract, you'll know exactly how any applicable charges, fees and/or interest work. If you ever have questions, give us a call or view the specific Rates & Terms for your state.

At NetCredit, we understand that you’re more than your credit score. That’s why we offer a personalized experience for each and every customer — your eligibility is determined by looking at your broader financial picture, not just your credit score. We also understand that protecting or improving your credit score is important to you so that you can move upward and onward in life. With My CreditBuilder, you can build credit history by making timely repayments.

Here’s how it works:

  • When you check your eligibility, a soft inquiry will be made on your credit report that will not be seen by third parties and will not affect your credit score.
  • If you sign the contract, a hard inquiry will be made on your credit report that may be seen by third parties and may have an impact on your credit score for a period of time.
  • When you make a payment for your personal loan or line of credit, it’s noted in our system.
  • Your payment is reported to major credit bureaus.
  • Each credit bureau factors this payment and any subsequent payments into your credit report and your overall credit score.
  • As you continue to make on-time payments, you will accumulate positive indicators in your credit history. (Note that late or missed payments could reflect negatively on your credit report.)

We know how important it is for you to find the right partner and a loan or line of credit that fits your personal needs. That’s why we offer the NetCredit My Choice Guarantee™, which lets you try us out worry-free.

Not sure about the process? Want to understand exactly what you’re getting through NetCredit before committing? NetCredit’s My Choice Guarantee™ lets you experience what NetCredit has to offer while allowing you to return your funds if you decide your personal loan or line of credit isn’t the right fit.

  • Customers who have a personal loan through NetCredit have until 6 p.m. ET on the business day after funding to rescind their loan.
  • Customers who have a line of credit through NetCredit have two business days to cancel a Cash Advance request.

For a full list of terms and definitions, visit the Line of Credit glossary page.

Check Your Eligibility

This won't affect your credit score.