At NetCredit we look at the full breadth of your financial history, not just your credit score, to make our loan decision. It’s simple to apply: Complete our short online application, receive an instant eligibility decision and, if eligible, view your loan offer.
Eligibility checks will not affect your credit score — we perform a soft inquiry that will not be visible to third-parties, and it’s not used in calculating your credit score.
Your loan offer will present you with the highest loan amount you qualify for. You can then customize the amount you want, whether it’s the full amount or not, and choose your repayment period. Choose a longer repayment period for lower payments or a shorter repayment to accrue as little interest as possible.
When you apply, you can choose between two repayment methods: EFT and paper check. With EFT (electronic funds transfer), your payments will be withdrawn from your bank account. We also offer a repayment via a paper check option if you prefer to pay using traditional checks. Visit our FAQ page for more information about repaying.
We report repayment details to two of the major credit bureaus. As you pay back your loan, those payments will appear on your credit report and can help improve your credit score. However, that means we also report missed payments. If payments are missed, you could potentially see a negative impact on your credit score.
NetCredit offers you the chance to make payments ahead of schedule or pay off your loan in full at any time with no penalties. This option can help you save on interest. For more information about our early repayment options, please visit our Early or Additional Payments page.
We offer refinancing options to eligible customers in certain states. Depending on your eligibility, you may be able to either:
Visit our FAQ page for the full details on how our refinancing works.
Once your final payment has been processed, you will again become eligible to apply for another online loan with NetCredit. If approved for a subsequent loan, you may request the same amount and terms or customize the terms to best suit your new or continuing financial needs.
*Loans approved by 6pm CT are typically funded the next business day. Consult with your financial institution for information about when funds will be available.