A More Personal, Personal Loan

Check your eligibility for up to $10,000

A More Personal, Personal Loan

Check your eligibility for up to $10,000

Check Your Eligibility

This won’t affect your credit score!

There are different types of personal loans, all with varying loan amounts, interest rates and repayment periods. But the best personal loans are just that — personal.

That’s why NetCredit offers flexible loans for people who want to be treated like more than just a credit score. We provide a more personal, personal loan that gives you the ability to customize your terms and create a loan that is right for your individual financial needs.

What We Offer

  • Personal loans in 14 states
  • Loan amounts of $1,000 to $10,000
  • APRs of 34% – 155%

See Rates & Terms for loan details in your state.

Key Features

  • Check your eligibility without affecting your credit score
  • Quick loan application process
  • Get a decision based on more than just your credit score
  • Same business day funding available*

Backed by Enova

  • Our experienced customer service team is available 7 days a week
    • Monday - Friday: 8am - 8pm CST
    • Saturday - Sunday: 9am - 5:30pm CST
  • We follow industry best practices for customer data security
  • Enova International We're a publicly traded company (NYSE: ENVA) with more than 15 years of consumer lending experience

Personal Loans from NetCredit
Are as Easy as 1, 2, 3


Complete NetCredit's short online application to check your eligibility.

Complete our two-page online application form with your personal, employment and banking information. Thanks to My ScoreSaver™, checking your eligibility won’t affect your credit score!


Personalize your offer and sign your contract.

If eligible, use the My RightFit Tool™ to customize your online loan amount and repayment schedule to best fit your needs.


Borrow and repay.

If approved, money may be deposited into your bank account as soon as the same business day.* As you make your scheduled payments, My CreditBuilder may help you build positive credit history.

Repaying Your NetCredit Personal Loan

How Do I Repay My Loan?

Repaying your NetCredit installment loan is designed to be convenient. At application, you can choose between having your payments drawn automatically from your bank account via ACH or paying via paper check.

Can I Repay Early?

You can always repay your loan early, at any time, with no added costs or fees.

What If I Need More Money or More Time to Repay?

If eligible, in certain states you may be able to borrow more money or restructure your payments by refinancing your loan.

What Happens When I Make On-Time Payments?

Our My CreditBuilder feature may help to build positive credit history with on-time payments.

Does NetCredit Issue Loans in the UK?

NetCredit does not offer loans to UK residents, but our sister company, On Stride Financial, does. Visit On Stride's personal loans guide to learn more and apply for an online loan in the UK.

TrustPilot 7/10

NetCredit is rated 8.9 out of 10 based on 771 reviews on Trustpilot

Check Your Eligibility

This won’t affect your credit score!

*Approved applications are typically funded next business day. Applicants who submit a loan application before 8:00 a.m. CST Monday-Friday may receive their funds the same day. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding.