Online Personal Loans — up to $10,000

Create a loan that’s right for you

Check Your Eligibility

This won’t affect your credit score!

Online Loans

What is a Online Personal Loan?

With the continued evolution and expansion of ecommerce and the Web, lenders are turning to the Internet to increase access and convenience to personal loan lending. Increasingly, some banks and finance companies are becoming purely online lenders—originating, processing and servicing all of their loans online—without needing a single storefront location.

As consumers have become more comfortable making larger purchases or handling sensitive transactions over the Web, lenders have begun to offer potential online borrowers exactly what they want: an online loan.

Generally, online personal loans are exactly the same as a traditional personal loan obtained in-person at a bank branch or “brick-and-mortar” storefront. But today’s technology allows companies to accept loan applications, perform underwriting, fund loans and even receive loan payments over the Internet with significantly faster and more flexible options.

Personal Loans Online Through NetCredit

With the surplus of options now available for online loan customers, we know it’s important that not to lose the “personal” aspect of personal lending. So that’s where NetCredit excels. With a customer support team that is second to none, and customizable loan options that allow you to create a loan that’s the right fit, NetCredit makes sure your personal loan is just that—personal.

Want to see how much you can qualify for? Just check your eligibility to find out in a few short minutes. Have more questions about applying? Check out our FAQ page — or contact us by phone or email!

Benefits of Online Loans


Online lenders offer borrowers access to online loan applications 24 hours a day, seven days a week. With NetCredit, this means you can apply for an online personal loan from the privacy of your home, whenever is most convenient for you.


Technology and automation provide online loan lenders with more efficient ways to process data and transactions quickly. At NetCredit, online loan applicants can receive an eligibility decision instantly, and if approved, funding can be as soon as the next business day.

Customer Service

Online loan lenders that offer applications 24/7 may also offer multiple customer service options. If a consumer has a question about a loan, they can sometimes “chat” with an online customer service representative, call a toll-free customer service number, or send a question via email. Contact NetCredit now if you have questions for us!


What are the different types of online loans?

Online lenders now offer a wide variety of consumer loan products through their websites, including the following lending programs:

  • Automobile loans: A car or automobile loan is a financing program used to fund the purchase of a vehicle or refinance of an existing auto loan. Many types of financial and lending institutions offer automobile loans, from federally chartered banks and credit unions, to private finance companies and car manufacturers themselves.
  • Credit cards: A credit card allows an authorized cardholder to finance the purchase of products or services, or, in some cases, obtain a cash advance. The credit card is actually the physical representation of the line of credit made available to the cardholder. Most credit cards in circulation today are revolving accounts. With revolving debt, the outstanding balance can increase or decrease based on items purchased with the card and payments made by the borrower toward the credit card balance.
  • Home Equity lines of credit (HELOC): Unlike a home equity loan, in which the borrower receives a lump sum advance, a HELOC provides the consumer with a line of credit to borrow against. The line is still secured by the borrower’s home, and may offer the consumer flexibility with draws and repayment schedules (as they can draw, repay and draw again without reapplying).
  • Mortgage loans: A mortgage loan is a type of secured financing that uses real estate as the collateral. Although residential mortgage loans are the most prominent and visible for most consumers, a large portion of the mortgage loan industry involves commercial and investment properties.
  • Personal loans: The simplest definition of “personal loan” is that it is any loan given to a person or individual consumer. Online personal loans may be unsecured or secured, and may vary in terms depending on the state and the lender. This is the type of loan NetCredit offers — read more.

Is borrowing from online lenders safe?

Since online lending is still a newer concept to many people, we understand why there may be concerns about safety and privacy. That’s why it’s important to make sure you’re borrowing from a reputable lender, and to review their privacy policy to understand how your data will be used.

Here are some security tips for borrowing from online lenders:

  • Never pay in advance for the promise of a loan.
  • Never give out personal information if you cannot verify the identity of the person contacting you.
  • Never send money to anyone if you don’t recall taking a loan from them.

How do I repay an online loan?

There are many repayment options for online loans. Many online lenders (including NetCredit) offer the option to have payments withdrawn directly from your bank account. This is done this using Automated Clearing House (ACH). ACH is a system that allows consumers to set up direct debit payments of bills, such as mortgages, utilities, credit cards, or even loans. At NetCredit, ACH is just one of our available options, but is most-preferred as it enables us to automatically deduct your recurring repayment amount directly from your bank account on each due date so you never have to worry about forgetting a payment.

Take note: This deduction will happen whether you have sufficient funds or not! If your repayment causes your account to be overdrawn, your bank and lender might charge you fees. If you think you may have difficulty making a payment, you should call the customer support line of your lender well in advance.

Check Your Eligibility

This won’t affect your credit score!