Borrow More Money

To see if you are eligible for a refinance from NetCredit, sign in to your account and look for "Borrow More Money". If this is visible at the top of the page, you’re eligible to apply. If it is not there, you are not eligible. It should be noted, however, that eligibility criteria can change over time, and you may become eligible to apply for a refinance in the future.

Your eligibility to refinance your loan is based on the status of your current loan and your current financial picture. If your financial situation or loan status has changed, this could affect your eligibility to refinance your loan.

One reason you may not be able to see an option to check your eligibility any more is if you have an upcoming or pending payment for your current loan. We are currently unable to accept applications for a refinance within two business days of a payment due date on your current loan, or if a recently-submitted payment has not yet posted. If either situation is applicable to you, check back once that upcoming or pending payment has cleared to see if you are still eligible.

Refinancing your NetCredit loan is fast and easy. To see how much you may be eligible to borrow, select the amount of additional funds and click through to your contract. If approved, your money will be deposited into your bank account in a matter of days.

Please note that Borrow More Money approvals may be subject to additional verification. Providing requested documentation in a timely manner may help prevent funding delays.

Your repayment schedule is based on your pay dates. If your job or pay frequency has changed since you first applied for a loan, confirm your new pay schedule when submitting your application, and the new loan will be based on those pay dates. Please allow two business days from the date of receipt for the change to take effect.

Checking your eligibility to "Borrow More Money" will not affect your credit score.

However, if you proceed to borrow more money and sign the contract, there will be a hard inquiry on your credit report. This may have an impact on your credit score for a period of time. Additionally, if your loan is successfully refinanced, your old loan will be closed and reported to the credit bureaus as refinanced, and the new loan will be reported as another trade line.

There are 34 states in which customers may be eligible to refinance their NetCredit loan: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Wisconsin, Wyoming. Other states may be offered refinance features in the future.

Eligibility requirements may vary by state and lending partner bank.