A More Personal, Personal Loan

Check your eligibility for up to $10,000

Check Your Eligibility

This won’t affect your credit score!

Personal Loans

Personal loans come in various types. They also come with various interest rates and repayment periods. But the best personal loans are just that — personal.

That’s what NetCredit is all about. We provide a more “personal” personal loan that gives you the ability to customize your terms, so you can create a loan that is right for you and your individual financial needs.

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!

You’re More Than Just Your Credit Score

Our series of television commercials are helping customers discover what makes NetCredit a great choice for their personal lending needs.

Why We're Different

We Believe Everyone Deserves Access to Credit

Important decisions shouldn’t be based on just one number. That’s why your eligibility and customized personal loan offer will be determined by looking at thousands of variables from your unique financial picture—not just your credit score.

We Believe Our Customers Come First

Our success depends on delivering what you really want and exceeding your expectations. That’s why our friendly Customer Support team is based right here in Chicago to foster strong relationships, answer hard questions and solicit honest feedback.

We Believe It Should be Easy

Life is complicated enough. At NetCredit, we strive to keep things simple, convenient and transparent. From the quick online application to ClearCost for Me, we’re constantly working to make things a bit easier.

We Believe Good Lenders Offer More than Loans

As the saying goes, “Knowledge is power.” That's why we provide a wealth of tools and tips about how to improve credit, pay off debt and retire comfortably. My CreditBuilder also helps build credit history as you repay your loan!


What is a personal loan?

The simplest definition of a “personal loan” is any loan given to an individual consumer, rather than to a business or corporate entity. Most personal loans are unsecured, which means they do not require you to pledge an asset (like a home or car title) as collateral, and can be used for any purpose. Typically, the borrower receives a lump sum payment (the principal) from a lender and pays it back at a cost (interest rate plus any loan fees).

How much can I borrow through NetCredit?

Personal loans through NetCredit range from $1,000 to $10,000, but your eligibility will depend on your state of residence and your creditworthiness. To see what you qualify for, just fill out our quick online form—it takes only minutes and won't affect your credit score.

At NetCredit, we will always look for the best offer available to you. In certain states, NetCredit has partnered with Republic Bank & Trust Company, Member FDIC, to provide the best possible loan offers. Depending on your state of residence and the lender's eligibility requirements, your loan may be originated by either Republic Bank & Trust Company or by a member of the NetCredit family of companies.

For more information about the loan options and lender(s) in your state, visit our Rates & Terms page.

What's the minimum credit score requirement?

Your eligibility will be determined by looking at thousands of variables from your unique financial picture—not just your credit score. If eligible, we'll present you with the highest loan amount you qualify for and ask you to select the amount that's right for you. You can choose the highest qualifying loan amount or opt for a smaller loan amount.

What is the difference between a secured loan and an unsecured loan?

An unsecured personal loan is a type of consumer financing that does not require the pledging of collateral to the lender as a condition of loan approval.

By contrast, a secured loan requires an item such as the title of an automobile, a piece of equipment, or other appraisable asset to be pledged to the lender as security. Should a secured loan go into default, the borrower may be forced to forfeit ownership of the asset to the lender. An unsecured personal loan requires no such pledge.

What fees are associated with NetCredit personal loan?

At NetCredit, we are committed to a clear and simple fee structure. So long as you make all of your payments on time, you will not be charged any application, origination, prepayment, or non-sufficient funds fees. In some states, you may be charged a fee for late or missed payments.

NetCredit is rated 8.7 out of 10 based on 166 reviews on Trustpilot

Check Your Eligibility

This won’t affect your credit score!