Rates & Terms for Utah Personal Loans

At NetCredit, our goal is to make sure you get the best loan offer available based on your unique financial situation. Of course, we also have to work within the boundaries of all applicable state and federal regulations.

Here is a quick snapshot of the loan amounts and terms we offer in Utah:

State Loan Amounts
Minimum Loan Amount Maximum Loan Amount
$1,000 $10,000
State Loan Terms
Minimum Loan Term Maximum Loan Term
6 months 5 years

Existing customers funded on or before June 30, 2013 may continue to qualify for $500 - $10,000 - sign in to your account to re-apply. And, of course, you can always choose to pay off your loan early with no penalty or prepayment fee.

Annual Percentage Rate

If you qualify for a NetCredit loan, we’ll work to match you with the lowest rate possible based on your selected loan amount and financial eligibility. We’ll also provide the full details of your loan offer—including interest rate, number of payments, payment amount, and total loan cost—before you ever sign a contract.

In compliance with the Truth in Lending Act the interest rate for your personal loan will be disclosed as an Annual Percentage Rate (APR). For a more detailed explanation of APR, please read “What is APR?”.

To learn more about the NetCredit application and funding process, please read “How It Works”.


At NetCredit, we are committed to a clear and simple fee structure. The only fee you will ever pay us is the daily simple interest accrued on your loan. We’ll never charge any hidden fees like application fees, origination fees, late fees, non-sufficient funds (NSF) fees, or prepayment fees.

Of course we can’t speak for your bank, so it’s always a good idea to reach out to them directly if you have any questions about the fees they may charge.

Typical Loan Offers

The rates and terms for our personal loans are customized to each individual applicant, so the only way to know for sure what you can qualify for is to fill out an online application.

Generally, the rates and terms we can offer to eligible customers depend on several factors, including, but not limited to, credit history, employment history, and loan repayment history. We use these factors to group customers into multiple tiers, which are then matched to one of our specialized credit products: Gold, Silver, or Bronze.

See the table below for example loan offers for each category. These are just examples. If approved for a loan offer, the specific rates and terms of your loan agreement will be customized to your own unique financial situation.

Sample Loan Offers by Tier
Credit Tier Loan Amount Annual Percentage Rate (APR) Number of Bi-Weekly Payments Bi-Weekly Payment
Gold $8,800 35% 130 $145
Silver $4,100 88% 83 $150
Bronze $1,800 210% 36 $150

Compliance with Utah Regulations

We are proud to operate in compliance with Utah regulations.

Utah thumb

Compliance with Federal Regulations

We also operate in compliance with all applicable federal regulations, including:

Governing Law

The loan agreement will be under the laws of the State of Utah. If you have questions or concerns about your loan, please contact the NetCredit Customer Support Team by phone at (877) 392-2014, Monday-Friday, 8 a.m.-9 p.m. Central Time, or by sending an email to support@netcredit.com.

If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Department of Financial Institutions
PO BOX 146800
Salt Lake City, UT 84114-6800
Phone: 801.538.8830
Fax: 801.538.8894

Last Updated July 1, 2014

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