Pre-Approved and Pre‑Qualified Loans

We’re here to say yes with fast, flexible funding up to $10,000.

Check Your Eligibility

This won't affect your credit score.

What is a pre-approved personal loan?

A pre-approved personal loan offer means that you’ve met certain borrowing requirements and are likely to qualify for the loan. The lender typically pre-approves you for a specific funding amount. If you’re interested in the offer, you apply.

Receiving a pre-approved offer does not guarantee that you will receive the stated loan amount. It also does not guarantee approval. It does, however, indicate that the lender is confident that you meet their typical borrowing requirements.

With personal loans, “pre-approved” and “pre-qualified” often mean the same thing.

Pre-Qualified NetCredit Loans

NetCredit and lending partner banks offer pre-qualified installment loans and lines of credit to select candidates. Typically, you’ll receive a notice in the mail. Use the code in your letter to access your personalized offer.

Apply securely in minutes.

The quick, secure application process is entirely online, so you can request funds with no paperwork in a matter of minutes.

Receive an instant eligibility decision.

You’ll receive an instant eligibility decision based on a wide range of data points to determine whether you're eligible. If you haven't received a pre-qualified NetCredit offer, a "soft pull" will be made at this stage, which doesn't affect your credit score.

Get funds the next business day or sooner.

Approved loans are typically funded by the next business day. If you submit your application before 11:00 a.m. CT Monday through Friday and are approved before 12:00 p.m., you may receive your requested funds the same business day. The exact timing of when your loan funds will be available will be determined by your banking institution.

What We Offer

NetCredit and lending partner banks offer personal loans up to $10,000 and lines of credit up to $4,500.

Depending on your application and the state where you live, you might qualify for one or both of our lending products. Head to the Rates & Terms page for more details and to learn what's offered in your state.

How a pre-qualified loan through NetCredit works.


Get your letter.

You’ll typically receive your pre-qualified offer by mail. Find your offer code in the letter.


Redeem your offer.

Use your code to access your pre-qualified offer.


Review your offer.

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


Get funds.

Sign your contract to get funds the next business day or sooner, if approved. The exact timing as to when your loan funds will be available will be determined by your banking institution

See how a NetCredit personal loan can help consolidate debt.

  • Tyson and Tyra are renovating a recently purchased fixer-upper. On a chilly summer night, they turn on the heat and discover their furnace is broken.
  • As fall approaches, Tyson receives a pre-qualified offer by mail. The loan fits his budget and would allow him to replace the furnace.
  • Tyson locates the eight-character offer code included in the letter and visits our offers page. He follows the instructions to access his personalized offer and apply. The whole process only takes a few minutes.
  • After Tyson confirms his eligibility, he signs his contract to authorize a hard credit check and is approved.
  • With the weather turning cold, Tyson and Tyra want a new furnace as soon as possible. Because Tyson submitted his application before 11:00 a.m. CT on a weekday and was approved before 12:00 p.m., his funding is deposited later that day.

Learn more about pre-approved and pre-qualified loans.

If you received a pre-qualified offer through NetCredit, use the offer code provided in your letter to apply. It’s typically found at the bottom of the page and consists of eight characters.

After you locate your code, visit our offers page and enter it when prompted. This will allow you to access your personalized offer. From there, follow the instructions to apply.

Yes, you can apply without your offer code. Get started by confirming your eligibility.

Your code unlocks a personalized offer, but it doesn’t guarantee approval. Applying without your code will not reduce your chances of approval.

If you received a pre-qualified offer through NetCredit, you’re pre-qualified for the listed funding amount. Use the eight-character code in the letter to access your personalized offer.

Confirming your eligibility will not affect your credit score — during this stage only a “soft” credit check is made. If you qualify and accept the offer, a hard credit check is performed. A hard credit check may impact your credit score.

As you repay, your payment history is reported to major credit bureaus. On-time payments can help your credit over time, but missed or late payments can have the opposite effect. To help build credit history, aim to always make payments on time and in full.

Quick funding is available for NetCredit lending products. A simple online application takes just minutes to fill out, and you'll receive an eligibility decision in seconds. If eligible, once you select and sign your agreement, you'll typically receive a final decision within the same business day. Depending on whether we need to verify additional information, it could take up to three business days.

Personal Loans

Approved applications are typically funded the next business day. Applicants who submit an application before 11:00 a.m. CT Monday – Friday may receive their funds the same business day. Approval may be subject to additional verification. Failure to provide additional documentation promptly may delay funding.

Line of Credit

If you have an active line of credit, you can request a Cash Advance at any time as long as your Account is current and you have Available Credit. If you request a Cash Advance between 12:00 a.m. and 12:00 p.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 12:00 p.m. CT are typically funded the next business day. If you request funds over the weekend, you'll typically receive your money the following Monday. For a full list of terms and definitions, visit the Line of Credit glossary page.

Personal loan and line of credit applications are subject to underwriting and additional verifications for approval. Providing requested documentation in a timely manner may help prevent funding delays. Keep in mind that the exact funding time will depend on your bank. If there’s any delay, don’t hesitate to inquire with them.

Yes, many borrowers with less-than-perfect credit qualify for pre-approved loans. Lenders use pre-approved offers to match their products to borrowers with specific credit profiles. A borrower with less-than-perfect credit may very well be pre-approved for a loan designed to serve them.

While borrowers with bad credit may receive pre-approved offers, this doesn’t guarantee approval. Also, interest rates are usually higher than for borrowers with good or excellent credit, even if the loan is pre-approved. Before accepting an offer, research your options to find the best solution for your needs.

No. When you’re pre-approved for a loan or line of credit, it means that you meet the lender’s basic requirements for the offer. It does not mean that you’re guaranteed to be approved. You still need to apply, at which point the lender typically conducts a more thorough review.

If you receive a pre-approved offer but are not approved when you apply, it often indicates that you met the basic criteria for pre-approval but not the more stringent criteria for approval when the lender evaluated your application. It also may mean that new information was added to your credit report between your pre-approved offer and your application.