Have you ever received a letter telling you you’re pre-approved for a personal loan or credit card? Pre-approved offers like these, whether they’re through direct mail or email, are a kind of advertising that banks and other private lenders use to grow business.
Companies sending out pre-approval offers often get your information directly from a credit bureau. In these situations, they look at your credit with what’s known as a “soft pull,” which doesn’t affect your credit score.
Pre-approved credit cards and pre-approval loans can be a legitimate way for banks and lenders to solicit business. Though these kinds of offers may say “instant approval,” in almost every case, the lender will still need to evaluate and confirm your application.
Certain individuals are pre-qualified for personal loan offers for up to $10,000* and lines of credit up to $4,500 based on information in their credit reports. If you recently received a pre-qualified offer in the mail, it means you’re one of them. A pre-qualified NetCredit installment loan or line of credit can offer you the financial flexibility and security you need to reach your financial goals.
How It Works
NetCredit makes it simple to check your eligibility and receive your funds.
Check your eligibility.
See how much you can borrow in minutes with the secure application.
Review your offer.
Choose what you want and see if the available amounts and terms work for you.
Get your money.
If approved, requested funds are typically deposited the next business day or sooner.