Have you ever received a letter telling you you’re pre-approved for a 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.
In certain states, NetCredit partners with Republic Bank & Trust Company to provide certain individuals pre-qualified loan offers for up to $10,000 based on information in their credit reports. In other states, such loan offers are made by a member of the NetCredit family of companies. If you recently received a pre-qualified loan letter from us in the mail, it means you’re one of them. A pre-qualified loan offer through NetCredit can offer you the financial flexibility and security you need to reach your financial goals.
If you decide to apply, click “Check Your Eligibility” to complete your application.
You'll learn instantly if you're eligible, and if so, you can use the My RightFit Tool™ to customize your loan amount and repayment terms to best fit your needs.
If approved, your money will be deposited directly into your bank account, typically by the next business day. As you make your scheduled installment payments over time, My CreditBuilder will help you build positive credit history.