It's easy to get money with your personal line of credit.
The secure application takes just minutes. Depending on your application, you could be approved for a line of credit of up to $4,500.
You can take a Cash Advance from your Available Credit whenever you need funds. You’ll get your money the next business day or sooner, after a 10% Cash Advance Fee is deducted.
You’ll have a Minimum Payment each Billing Cycle, which includes a portion of your Cash Advance Balance plus a Statement Balance Fee. Your payment history is reported to major credit bureaus, meaning you can build credit history with on-time minimum repayments.
Head to the Rates & Terms for more details and to learn what is offered in your state.
What can your personal line of credit give you?
With a line of credit, you can get the money you need up to your credit limit, repaying only based on what you’ve borrowed.
The Fee Saver feature means consecutive on-time payments make your Statement Balance Fee go down. That makes it even more affordable to get money when you need it. Learn more at our Rates & Terms.
NetCredit is owned by Enova, a publicly traded company (NYSE:ENVA), and has been helping customers meet their financial needs for more than a decade.
NetCredit has also partnered with Republic Bank & Trust Company, Member FDIC, to offer lines of credit in some states.
What do I need to apply for a line of credit?
You must be 18 or older. (19+ in AL and DE, 21+ in MS.)
You must have a valid personal checking account.
You must have an active email address.
You must have a verifiable source of income.
Frequently Asked Questions
A line of credit is an open-end financial product that lets you borrow up to a predetermined credit limit and repay based on what you borrowed. As you repay, your credit becomes available again, letting you borrow as needed.
Some common features of a line of credit include:
You may borrow money up to your available credit limit.
Every time you borrow money, your available credit decreases.
Depending on your lender, you will typically be charged fees and/or interest based on how much you've borrowed and how long you take to repay.
As you repay, your available credit increases.
Payments are made gradually over scheduled due dates.
You can request and receive a Cash Advance at any time from your Available Credit so long as:
You have an open line of credit with at least $50 in Available Credit.
Payments on your Account are current, and your Account is not past due.
Your Cash Advance request is at least $50.
You can request a Cash Advance from your Available Credit by signing in to your Account. If you have any questions or need any assistance, call us at (877) 392-2014.
If you request a Cash Advance between 12 a.m. and 9:30 a.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 9:30 a.m. CT are typically funded the next business day. If you request funds over the weekend, you'll typically receive your money the following Monday. Keep in mind that the exact funding time will depend on your bank. If there’s any delay, don’t hesitate to inquire with them.
Your NetCredit line of credit is designed to give you financial flexibility. That means you can borrow what you need from your Available Credit when you need it. Also, you may become eligible for reduced fees with qualifying payment activity.
Fee Saver rewards positive payment behavior by reducing the Statement Balance Fee you must pay each Billing Cycle. Over time, with qualifying strings of payments, you may be able to reduce your Statement Balance Fee up to 60%!
Fee Saver rewards increase over time as you make qualifying strings of payments (12 consecutive bi-weekly/twice-monthly or six consecutive monthly payments). That means you can begin saving after just six months, with an 8% Statement Balance Fee reduction! After 12 months of on-time payments, your savings may increase to 16%, and so on. As you continue to make on-time payments, you'll continue to increase your Fee Saver rewards - and you may be able to reduce your Statement Balance Fee by 60% after 48 months.
For more information on how Fee Saver rewards build over time, visit the Rates & Terms.