How It Works

Interested in a NetCredit personal loan but worried about your less-than-perfect credit score? Don't be.

At NetCredit, we look at your broader financial picture — not just your credit score — when reviewing your loan application. We’re also committed to make the loan application process easier and more convenient.

Apply Online

Our application is fast and easy. To get started, just fill out our short online form.

Get Qualified

As soon as you submit your application, 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, we'll deposit your money directly into your bank account typically by the next business day after final approval. 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

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

Check Your Eligibility

This won’t affect your credit score!

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