Pre-Approved and Pre‑Qualified Loans

Get a fast, flexible loan up to $10,000.*

Check Your Eligibility

This won't affect your credit score.

What is a Pre-Approved Credit Offer?

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.

Pre-Qualified NetCredit Offers

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.

If you decide to apply, click “Check Your Eligibility” to complete your online application.

How It Works

NetCredit makes it simple to check your eligibility and receive your funds.
preapproved loan step 1 icon Check your eligibility.

See how much you can borrow in minutes with the secure application.

preapproved loan step 2 icon Review your offer.

Choose what you want and see if the available amounts and terms work for you.

preapproved loan step 3 icon Get your money.

If approved, requested funds are typically deposited the next business day or sooner.

Check Your Eligibility

This won’t affect your credit score!