How It Works

Interested in a personal loan but hesitant about starting the process? Don't be.

With NetCredit, it's simple and transparent. Checking your eligibility takes just minutes and won't affect your credit score. And once approved, funding is typically by the next business day. So why not get started now!

Apply Online

It's fast and easy! To get started, just fill out our short online form.

Get Qualified

As soon as you submit your form, we'll give you an instant decision on your eligibility and let you know what loan amount you qualify for.

Confirm Loan Amount

Next, we'll put the decision back in your hands: you'll select the loan amount that's right for you and accept the terms of your loan agreement.

Get Funded

Once your application is approved, your money will be deposited directly into your bank account typically by the next business day. In some cases, we may need to contact you by phone or email to verify key details from your application or request additional information prior to final approval.


You'll pay back your loan in installments a little at a time. We also offer convenient automatic payment options so you'll never have to worry about forgetting your due dates.

Build Credit History

Your payment activity will be reported to two of the major credit bureaus. Full and on-time payments toward your loan will help you build your credit history.

Check Your Eligibility

This won’t affect your credit score!

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