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.

online loans step 1 icon Check Your Eligibility

To get started, fill out our short online form to see what you may qualify for. Thanks to My ScoreSaver™, this won’t affect your credit score.

online loans step 2 icon Personalize Your Offer

You'll learn instantly if you're eligible, and if so, you can use the My RightFit Tool™ to customize your installment loan amount and repayment terms to best fit your needs.

online loans step 3 icon Borrow and Repay

If approved, your money will be deposited directly into your bank account the next business day or sooner. As you make your scheduled installment payments over time, My CreditBuilder will help you build positive credit history.

What Makes NetCredit So Personal?

With NetCredit, you can check your eligibility without affecting your credit score. If eligible, select the loan amount and repayment schedule that work best for you. Plus, you can build positive credit history with every timely repayment. Now that’s what we call a more personal, personal loan.

Check Your Eligibility without Affecting Your Credit Score with My ScoreSaver™
At NetCredit, we understand that protecting and improving your credit score is important to you, even when you’re in need of extra funds. That’s why with My ScoreSaver™ you can check your eligibility for an online loan without affecting your credit score!

We also understand that you’re more than just one number. That’s why we look at your broader financial picture — not just your credit score — to check eligibility and determine loan offers. Here’s how it works:

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Start by clicking the “Check Your Eligibility” button anywhere on

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Create your personal account by providing a few details about yourself.

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With My ScoreSaver™, check your eligibility without negatively impacting your credit score!

If you’re eligible, you will instantly be presented with your individualized personal loan offer.

Find the Personal Loan that Fits You Best with the My RightFit Tool™
We understand that personalizing your loan is important to you. That’s why we’ve created the My RightFit Tool™ so you can customize your loan amount and repayments until you find the right fit for you. Here’s how it works:

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

  • If eligible, you’ll be presented with a loan offer selected just for you.

  • If you’re happy with what you see, great! Otherwise, 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.

The ClearCost for Me™ Promise
Our ClearCost for Me™ promise means that when you sign your contract, you'll know exactly how much you'll owe and when, with all interest and fees clearly explained. If you ever have questions, give us a call or view the specific Rates & Terms for your state.

Build Positive Credit History with My CreditBuilder

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 positive credit history by making timely repayments. Here’s how it works:

  • When you check your eligibility, we make a soft inquiry on your credit report that will not be seen by third parties and will not affect your credit score.

  • If you sign the loan contract, we make a hard inquiry 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.

  • As soon as you make a payment, it’s noted in our system.

  • Your payment is reported to two major credit bureaus: TransUnion and Experian.

  • 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.)

Feel Confident Choosing NetCredit with My Choice Guarantee™
We know how important it is for you to find the right partner and a loan 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 loan if you decide it isn’t the right fit. Customers who have a loan with NetCredit have until 6p.m. CT on the business day after funding to return their loan.

Check Your Eligibility

This won’t affect your credit score!