Installment Loans Online

Get a fast, flexible loan up to $10,000.*

Check Your Eligibility

This won't affect your credit score.

Get a personal loan up to $10,000* with a simple and fast loan application. Because installment loans are a long-term commitment, loans through NetCredit offer you the ability to choose the amount and term length that best matches your financial situation.

Installment Loans — From Start to Finish

Check Your Eligibility

The breadth of your financial history, not just your credit score, is reviewed to make a credit decision. It’s simple to apply: Complete a short online application, receive an instant eligibility decision and, if eligible, view your loan offer.

Eligibility checks will not affect your credit score. When your credit report is pulled, a soft inquiry is performed that will not be visible to third-parties, and it’s not used in calculating your credit score.

check installment loan eligibility

Customize Your Loan

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.

customize installment loan

Sign Your Contract

Once you’re satisfied with the loan details you’ve chosen, you will need to sign the contract to accept your offer. As part of the final approval process, another credit report will be pulled after you’ve signed. This particular pull will be a hard inquiry and will be visible to other third-parties. It may affect your credit score.

online installment loan contract

Get Final Approval and Funding

In some cases you may receive a same-day approval decision after your contract is signed. However, it could take longer if certain application information must be verified. If your application is approved, the requested funds are typically deposited into your account the next business day or sooner.

fast approval for netcredit installment loan

Repaying Your Loan

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Repayment Methods

You can choose from a variety of repayment methods, including Electronic Fund Transfer (ACH Debits), debit cards and paper checks. With Electronic Fund Transfer (ACH Debits), your payments will be withdrawn from your bank account.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.

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Successful Repayment and Credit Reporting

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 build positive credit history. However, that means we also report missed payments. If payments are missed, you could potentially see a negative impact on your credit score.

early repayment for netcredit installment loan

Early Repayment

You can 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 early repayment options, please visit our Early or Additional Payments page.

refinance netcredit installment loan


Refinancing options may be available to customers in certain states. Depending on your eligibility, you may be able to:

  • Lower My Payment: Refinance your balance with a new contract and repayment schedule.

Visit our refinance page for the full details on how refinancing works.

Full Repayment and Additional Loans

Once your final payment has been processed, you will again become eligible to apply for another online loan through 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.


Check Your Eligibility

This won’t affect your credit score!