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NetCredit

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46 User Reviews

2.4

Overall Score

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LAST UPDATED: May 28th, 2022

NetCredit offers personal loans and lines of credit to borrowers of all credit levels, making it a good option for borrowers with bad credit or no credit.

Personal loans and lines of credit offered by the NetCredit family of companies are available in 14 states. In partnership with Republic Bank & Trust Company, NetCredit's services are extended to 36 states. 

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Highlight: NetCredit rates and terms

  • APR range — 34–155%
  • Minimum credit score — undisclosed
  • Personal loan amount range — $1,000–$10,000*
  • Personal loan terms — 6–60 months
  • Line of credit amount range — $500–$4,500

*Some California residents may be eligible to receive up to $10,500.

Keep reading for pros and cons, plus NetCredit reviews from real customers.

Top Ranked Companies

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The Good

  • Minimal Lending Fees
  • Fast Approval and Funding Time
  • Less-than-Perfect Credit Accepted
  • Line of Credit Products
  • Customer Support Resources
  • Financial Tools

Minimal Lending Fees

NetCredit does not charge an application fee, prepayment fee , or non-sufficent funds fee. However, an origination fee will be charged on loans in certain states.

In addition, late payment fees vary by state lending terms, but will generally only be charged after a specified grace period.

Fast Approval and Funding Time

One of the things NetCredit prides itself on is getting you approved for a loan and set up with funds fast.

The online loan application is quick and simple, and when you click "Submit," you can know almost instantly whether you qualify to receive a loan.

Submitting your loan application initiates a soft credit check and accepting your loan offer allows NetCredit to do a hard credit check. 

Once you do get approved for a loan, your funds can be deposited into your checking account as soon as the next business day, but it may take up to three days.

Speed like this can be extremely valuable when you need your loan as fast as possible. Even if you don't need the money right away, it's still nice to know you won't have to wait a long time to see if you're even eligible to get a loan. 

Less-than-Perfect Credit Accepted

While NetCredit doesn't provide a credit score requirement, you don't need perfect credit to work with this service provider. While qualification can't be guaranteed, NetCredit will accept borrowers who have a subpar credit score on a case-by-case basis. 

If you aren't sure if you will qualify for a NetCredit personal loan, the company offers to check your creditworthiness and eligibility without affecting your credit score, so you can know whether you qualify for its personal loans, risk-free. 

The other good news is that if you have poor credit and NetCredit agrees to work with you, the loan can help you build credit. As you repay your loan, your monthly payment history is reported to two major credit bureaus: Experian and TransUnion. Depending on whether or not you pay on time, this can either help you build good credit or make your bad credit even worse. Partial and late payments are going to hurt your credit score. 

It is important to note that NetCredit has higher interest rates than you might see with other lenders, which is likely due to the fact that they lend to low-credit borrowers.

Line of Credit Products

In addition to traditional personal loan products, NetCredit offers lines of credit up to $4,500. 

Lines of credit differ from personal loans because with a line of credit you can withdraw money as needed, instead of a larger lump sum all at once.

Applying for a NetCredit line of credit takes only a few minutes, and after approval you can take a cash advance from your available credit when needed and money will be dispersed the next business day or sooner. You will be charged a cash advance fee of 10 percent to complete the withdrawal of funds. 

Each billing cycle, you will be charged a minimum payment including your cash advance balance and statement balance fee — you only repay based on what you've borrowed.

Customer Support Resources

NetCredit provides several contact options for customers with questions, comments, and concerns. Should you need the help of a customer service representative — whether it's for account management, technical help, or anything else — you can call, email, or refer to the FAQs page on the website. 

NetCredit helps you become more educated about your personal finances, and the FAQs page alone may take care of a lot of questions you may have — not just about service policies but also about personal loans in general. In addition, via SpringFour, a corporation providing financial health resources across the nation, NetCredit connects customers to local resources for uneployment and/or debt assistance.

Financial Tools

NetCredit provides various financial tools for customers, helping them find the best borrowing options for them.

With these tools, customers can check their eligibility without impacting their credit score, see which personal loan or line of credit option they qualify for, and even do a NetCredit "trial run" to see if it is the best fit for them — you can cancel your loan without penalty up to one business day after funding.

If you are a first-time borrower, or would like some additional knowledge on financial topics, NetCredit offers free financial education through EverFi, a platform that provides personal finance modules and tools. These modules and tools include budgeting tools, and credit scores and reports, among other helpful financial education offerings.

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The Bad

  • High Interest Rates
  • Loan Origination Fee
  • Limited Loan Refinancing
  • Customer Reviews

High Interest Rates

NetCredit's interest rates vary depending on what state you live in, but the rate generally ranges from 34 percent to 155 percent APR. These rates are similar to what you would see with a payday loan, and are much higher than other lenders in the industry — many lenders' maximum offered interest rate is approximately 34 percent.

NetCredit's interest rates are significantly higher than other companies because the company seeks to provide loans for those with bad credit. These individuals with bad credit will likely not qualify for lower rates with other companies because their credit history poses a financial risk to the lender.

Loan Origination Fee

An origination fee is charged in some states on lower-interest loans. Keep an eye out for this before you fill out a loan application or agree to any loan terms you don't understand. The fee, generally 1 percent to 5 percent of the total loan amount, will be deducted directly from your loan principal before it is added to your bank account.

Limited Loan Refinancing

NetCredit does not allow all borrowers to refinance their loans. That means that, for better or worse, many customers are stuck with the same interest rate for the entire loan repayment term.

Considering the fact that the company specializes in bad credit loans, it would be nice if NetCredit let all customers reevaluate that rate after a period of time in order to help make things more affordable.

If refinancing isn't available, this lender doesn't provide a viable long-term financial solution for borrowers. 

For customers in select states, there are two refinancing options: 

  • Lower My Payment — gives customers the opportunity to create a new loan from their existing balance. In some instances, payments can be lowered by at least 15 percent.
  • Borrow More Money — available for customers who have borrowed less than they were eligible to do so initially. The remaining amount can be added to what is left in your current loan, allowing you to refinance that total amount. 

Customer Reviews

Currently, NetCredit reviews are limited. However, the majority of the reviews on BestCompany.com are 1-star. Many reviews remark on bad experiences with customer service as well as a lack of transparency regarding interest rates and credit score requirements.

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The Bottom Line

If you have poor credit, a NetCredit personal loan could be a good option for you. However, if you have excellent credit (700+), NetCredit may not be the best choice for you, as you could get lower rates and save more money with a different lender.

But, if you do have low credit and choose to borrow from this online lender, your recurring monthly payment will affect your credit reporting with two of the main credit bureaus. This means that you have the opportunity to improve your credit score as you pay off your debt. 

Based on limited customer reviews, the majority of which are negative, we would recommend looking into other personal loan lenders before making a decision.

View Best Personal Loan Companies

If you've worked with this lender, let us know about your experience by leaving a NetCredit review.

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Star Rating

1.4

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46 Reviews

Review Breakdown

5 grade

4%

4 grade

4%

3 grade

2%

2 grade

4%

1 grade

85%

Sentiment Criteria

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Quality

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Netcreditless New Orleans, LA

I borrowed 2000 dollars in 2017. Paid 7,000 and it was all interest only 20-30 dollars of the payment went to the principle. After the hot sauce 19 shut the country down payments paused. They sent me an email stating that I owe 1395.00 on the loan currently. It's 2022 and only 600 dollars of 2000 dollar loan was applied to my principle and I got this loan in 2017. Far as Im concerned. they will have to get it like the Red Cross . I don't care anymore they already ruined my credit. Remind you I already paid 5000 of interest. IM DONE !!!

1 month ago

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ed Port Saint Lucie, FL

netcredit is a place where you should warn friends and family to stay away. they will rip you off big time. i borrowed 600 dollars they took 10 %. so i get 540 dollars. paid my first bill for 100 dollars. i went to my account. omg my balance went up from 540 to 560 dollars even after i pain the 100 dollars. checked my account again. now my balance is 620 dollars. i can't believe this is legal. advance america is much better and cheaper. for 500 or less dollars. i regret dealing with net credit.

2 months ago

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rog Fleming Island, FL

looking up lines of credit and was approved for a good amount then i went through the contract attached my banking info, signed it and guess what response i got the bank info doesn't match our records retry well i retied like three more times and same thing. I wanted to do this process online because i like doing this better than phone calls do it my own pace in other words, and i hate phones lol. so now they probably ran my credit and i won't be able to get this because for some reason they don't have the info. and also why don't they have the secured site like other companies i am alittle afraid of this now actually. also another thing why can i leave a review on their site directly????

3 months ago

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Jones ,Barbara Lithonia, GA

Up date just checked my account now I’m overdrawn DO TO NETCREDIT!! I can’t get them to change my pay date so this don’t be happening I need to pay on the third

1 month ago

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AME Oakland, CA

I am currently a loan holder. The approval process was fairly easy. My finances were a bit spicy at the time and I needed fast relief as well as way to my build credit. While I was able to maintain the payments, the only regret is that in turn I was paying a loan inflated with interest. Yes, it was a short term relief, but the long term effects were payments lasting 3 years beyond acceptance of the initial loan, which is standard for payday institutions such as NetCredit. I wouldn't recommend it to anyone. WORK THROUGH YOUR OWN FINANCIAL BIND AND SAVE YOUR OWN MONEY FOR YOU! 3000.00 = 8000.00 do the math.

3 years ago

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Judgment Newark, NJ

The money you borrow and the fees they charge when you take the loan and what you repay them supersedes more than what it's worth. There should be a law to govern these crooks. In the end, you pay them back triple the amount back. If you took out a loan for $1500, look to pay them back roughly around $4000. What kind of democracy crap is this??? It's not worth it

4 months ago

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Fedup 57 Rome, GA

This company has the worst customer service I have ever experienced. My pay dates are the same every month and this company insists upon changing my payment agreement with them on a monthly basis. Do not do automatic draft payments as they will sneak in extra payments which have cost me overdraft fees.

5 months ago

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charles miller

I was approved a short time ago for a loan with NetCredit for five years at 65 percent interest to handle some short term financial issues. While I agreed to the loan, the hard reality is that the high interest charges over the five year period would be more than 3 times more than the amount I borrowed. Borrowers need to be aware that depending on the interest rate, the longer you pay on the loan, the more interest you will pay. I have decided to pay-off this loan as soon as possible because I refuse to pay 3 times the amount I borrowed to NetCredit. Be very aware of the interest charges and the total cost of a loan with NetCredit before you sign on the dotted line.

2 years ago

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cathy Los Angeles, CA

I was approved for a $3200 loan. I accepted a loan for a little less, $2900. I read their payment scheduled and made sure it was something I could pay. I wanted to refinance for a higher amount and was told by customer service their "computer" decided what customers were offered a refinance. It would be great if NetCredit would reconsider this and let "human beings" make the decision on if customers can refinance. After reading all of the negative stories from other customers, maybe it's a blessing in disguise I haven't been offered a refinance. :(

4 years ago

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MDCuebas Atlanta, GA

Horrible company! Stay away. I was desperate 18 months ago and despite the high interest rates I took the loan offer given. I didn’t realize that 90-95% of my payments and some months all of it would go to interest. In fact, my original loan amount was $3950 and I have made $3381 in payment and my balance has only gone down by approximately $75. In other words, I cannot even refinance this crap because It’s still too high to go to another lender. Their practices should be illegal!

9 months ago

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Monica martiren Marina, CA

This company is a joke, they basically steal you money with high rates, terrible customer service, you never get to a live person, the website needs improvements because you can't change you due date online, you credit score gets damaged because of this company, after I got a loan my score wasn't good enough to even get a credit card. DO NOT USE THIS COMPANY!!

10 months ago

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C C San Francisco, CA

Beware Don't use them rip off they charge crazy interest rates my mom had horrible experience

1 month ago

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Troy Ogden, UT

I have a credit score of 670 and applied with NetCredit today . I was first skeptical and stopped my application process then received a call from a lady who was really helpful and averted all my questions for me. I decided to continue with my application went through the verification process even had to go to my online banking form to log in. Well after I recurved a email saying I need to send over a bank statement. I called in to ask questions on why because I logged in my online banking to have them look at my credit union account. Well I then received a call from a lady from net credit who wanted me to provide my 9 digit social? I then pressed record on my phone because I have been a victim of identity theft in the past. My concern I was in phone with net credit when call came in. She said this is Miranda and if you don’t provide me with your fill 9 digit social security number uour application will be denied? I explained I wanted to call back in to verify because me being a victim of identity theft. She said either give it to me or I’m disconnecting this call! I asked to speak with someone else and she said no one else was there! She hung up on me and withdrew my application . This was the worst service from any company I have ever receieved!

2 years ago

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Li Sun Phoenix, AZ

What NetCredit does not let you know is what your APR is and they charge exorbitant rates. How is it legal that a company who claims to be an installment loan company charges payday interest rates? Mine is 98.97%! Their terms are also not in line with the Truth in Lending Act where businesses are required to provide 3 days for cancellation, NetCredit only provides one. Also, they don't tell you that barely any of your high monthly amount goes towards your principle. In addition, when you first apply you don't do it the regular way of submitting your information, instead they put you through a process where you must submit your bank user ID, password, and any pass phrases!

4 years ago

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Christine Williams Portsmouth, VA

I reported NetCredit to the Consumer Financial Protection Bureau and I will be filing a complaint with the Virginia Bureau of Financial Institutions and the Virginia State Attorney this evening. I questioned the Consumer Financial Protection Bureau if an APR of 98.9% is legal in the state of Virginia. This company goes under the name of Utah LLC DBA NetCredit regulated by the Utah Department of Financial Institutions. NetCredit responded to my complaint with the Consumer Financial Bureau asking that I contact them to discuss reasonable payment arrangements. When I contacted NetCredit's Consumer Service Department in Illinois, the customer service representative laughed at me regarding payment arrangements. I asked to speak with a manager, instead I was transferred to the escalation representative who also laugh at me and advised me with the interest rate the payments for a $3,900.00 will total up to $11,000.00 and that I would be paying an extra $7,000.00 for this loan. I called back and asked to speak with their legal department and was told that they would get back to me in 3 days. I have also disputed NetCredit's response with the Consumer Financial Protection Bureau.

5 years ago

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M.Mills El Segundo, CA

I started the process and got approved. I entered my banking account information and made a mistake. NetCredit contacting via email and asked for bank statements and a cancelled check to verify my account information, due to my error on the account #. They approved me and sent the $ to my bank; however NetCredit did not make the correction to my account and the bank sent it back. I called NetCredit wanting to know were the loan was and they stated since the bank sent the funds back, due to the wrong account information, they went ahead and cancelled the loan its there policy apparently. I stated that they have all the correct information and they agreed however they still went ahead and cancelled the loan due to policies. Not a word from them and I would still be waiting if I had not called them. I called three different CSR and they all told me different reasons why; however I needed to re-apply again. I tried then got denied and they could not explain why... What the heck are they doing and are they really this bad? Huge waste of time and should have gone through my own bank instead of all this run around...

5 years ago

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Ezekiel Clermont, FL

I recently applied for a $10,000 loan from Netcredit. I was approved in less than a minute. I completed the application online and submitted all information they asked for. It was on a Friday morning when I submitted my application. In less than 24 hrs, the $10,000 was in my bank account. I went through the contract during the weekend and realized my APR for this loan was set at 35% and after 5 years, interest on this loan will be $12,000 which effectively means I have to pay back the $10,000 plus $12,000 = $22,000. I thought about this the whole weekend and on Tuesday morning I decided to return the $10,000. I could not justify paying an interest so high. My credit score is over 700 and my credit cards interest rates are between 8 - 15%. I applied for this loan because I wanted to lower balances on my credit cards and pay off some but the 35% APR from Netcredit completely defeated the purpose of applying for this loan. I have placed an application for $12,000 loan from Prosper and my interest is 10% for a 3 year loan. The interest is going to be about $2,300. Prosper, however, takes longer to release funds and they charge an origination fee (Netcredit does not charge origination fee, whatever amount of loan you apply for, the whole amount if deposited in your account). If you are already in debt, Netcredit is not the best route to help you with getting out of debt, they will bury you forever in debt. Look for other options where the interest rate is low.

6 years ago

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Kristine CA

The interest rate is per payment not per month which is NOT what the information stated. If you pay extra they drop the minimum payment to drag out how long you owe. They do not accurately or consistently report payments. The moment you pay it off contest the report. My credit score dropped 60 points because of them despite paying the loan off in only 4 months.

1 year ago

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Mari Lynne Kennedy Valencia, CA

I wanted to pay them off. The company does t answer the phone at all. After 45 minutes for a week of calling, I decided to send them a check for the balance I was told. I mailed it on a Sunday night, unfortunately, 8 days later was Memorial Day. June first came and they took out my scheduled payment plus my check. All on the same day. Today June 1. Now I have to wait 45 days to get my money back. That is so messed up effed up company

1 year ago

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bobby avrams Chicago, IL

Convo with Shelly: They offer small loan amount and high interest rates at 97% ... just another scum payday loans That don’t care about you needs they just tell you that there’s no prepayment penalty so you can return your loan faster Plus. - They did a hard credit inquiry without being approved or sign a contract ... I’m stuck with that hard inquiry for 2 years and my score went down 27 points. What can I do .?

1 year ago

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Marie M Culver City, CA

If a cockroach could talk, I would probably get better CSR treatment and better rates. They really need to stop playing that NETCREDIT commercial. Total scam artist and dumb as a rock. The Devil himself would not lie to customers as much as this company. Get this. you cannot delete your information. Good grief! Chicago of all places. I have been watching my credit bureau reports like they were the stock market. RUN, DON'T WALK FROM NETCREDIT.

2 years ago

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Brigitte C Luckett Rocky Mount, VA

I understand that my credit isn't great (I wanted to consolidate debt to try and improve my score), but offering me a loan at 98% APR is RIDICULOUS!!!!! I can't rate any of their other services - as soon as I saw what the rate would be, I stopped the loan application process. Of course now they have all my info, ssn, etc., so I regret ever even going to the site.

4 years ago

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Robert Cole

I had to get all kinds of information for them and bank statements even though I don't get statements. The statements showed I had direct deposit and they declined me for unacceptable bank account history. Every time I've called it's taken at least 20 minutes to get someone on the phone and then no one in the entire company can tell me what that means. Bigest waste of time ever!!

5 years ago

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Phyllis Doss Richmond, VA

They are Liars andI even called a # and was told on $5,000 my payment would b #@!$ at the first of the month for 36 months and payback would be $7,000 something I found out they are taking that out 2 times and I owe $14,000 for 69 months and I have good Credit. Called n they lied again abou this!!! DO NOT BORROW MONEY FROM THEY ARE FRAUD FOR CUSTOMERS Phyllis

5 years ago

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Lydia Oceanside, CA

I got a loan from this company for trip for a funeral that I have to attend, the loan is $3,000.00 went I call to let then know that I change Banks, I happen to ask what is my pay off balance. I was shock to hear that my balance is $8,.000.00 and some change I ask why is my balance got up so high that it double the amount I requested. I could not believe that I was paying 64% daily. I'm going to have the BBB AND FCC to get involve, I sure don't want to see another person to get into this mess.

6 years ago

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Jen Redding Burbank, CA

Stay away and do not sign up for a loan form this company. VERY unprofessional. Representatives are not trained properly and consistently have issues with miscommunication and doing their jobs properly. According to a representative, the valuable changes that were made weren't placed into the computer as it was simply "forgotten". This costed me my credit which I'm trying to repair because of the lack of doing their job properly. Who does that and especially when finances are involved??

6 years ago

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wayne San Diego, CA

i filled out the first request for information and was sent a notice i qualify for $10,000.. then requested more info, then called to verify info, and then turned me down after i was told i qualified for $10,000.. all of this could have been avoided if they asked the questions first.. now they have all of my personal banking info... STEER CLEAR OF THIS ORGANIZATION !!!!

6 years ago

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Hugh Smith Bakersfield, CA

This company is the prototype of predatory and deceitful lending institutions. Their offer has print which purposely is faded regarding specifics required by law, with font more than half the size of the rest of the info. Anyone who's considering this info would be trapped if the terms were accepted. APR "as low as 33%? Loan sharks look like saints compared to this company. Their offers and attempted deceit should be illegal. I intend to communicate with my elected officials. Sincerely!

6 years ago

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Clennis Jones Muskogee, OK

Unfotunately I wasn't approved at this time. Aplication was very easy to fill out. Been a fraud victim, have plenty of obligations and alligators to tame. thank you.

7 years ago

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Mike K. New York, NY

Like others say. This company is a rip off. Interest rates are ridiculous! I had to skip 1 bi-weekly payment. After paying the next 6-7 $200 bi-weekly, I realized none of my payments went to my principal. This place should be shutdown! There should be a class action lawsuit brought to them!

3 months ago

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Stephanie Lemon Grove, CA

I started the application but discontinue it after I saw 98% of APR.. It's crazy ... It's too much so I discontinued.... 79 payment n $235 twice a month therefore, I will own them over 18k ... This is a mistake and I should've stayed away .... OMG... they got all my personal info too n hopefully they won't do any bad stuff with it...

4 years ago

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Harriet Yancey

I took out a loan from these loan sharks when I was in a desperate situation 4 months ago. On a $5400.00 loan, I have paid $2,000 in interest, no principal and when I paid it off yesterday, I had to pay $260.00 more than the amount of the original loan. Stay away from these people. They are scums.

5 years ago

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ECC Largo, FL

660 Credit score and I was declined. This company is only looking for people with great credit scores and profiles do not apply with them. If you have a great credit score why would you get ripped off with such high interest????????

5 years ago

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alfredia Virginia Beach, VA

A good company to apply for a personal loan. you dont have to wait for your money and the staff are very helpful.

6 years ago

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Kia R. VA

Please do not sign up for a loan with Net Credit. Stay as far away as possible. The rates are extremely high. They repeatedly report inaccurate information to the credit bureaus, and if you lose your job or experience any financial difficulty, they will not work with to resolve the situation as they offer no hardship assistance.

6 years ago

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angela day

A bunch of liars tell you that your approved for a certain amount then tell you that your denied after they get your banking info. They do this by E mail instead of using the telephone number that they ask you for on the app. My opinion is that they suck. The worst company ever listed period on online loans.

6 years ago

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cupcakes4u Boise, ID

Had to involve the BBB, possible fraud and inaccurately reporting to credit bureau. Also, agents seem to be in their homes, not an office. My payments were reflecting different amounts, what was withdrawn was a what was agree'd upon. Pay $40, they would post $24 - seems like fraud to me.

6 years ago

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Alicia Chula Vista, CA

I got a loan with this lender and the rates are really high. I stared my loan in June 2015. Biweekly they take from my bank account 150.00, the original loan is 5500. In NINE months I just paid to the principal $113.50 and $1,750.00 in fees. In a moment of need I didn't think clear what I was doing.

6 years ago

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Lora stenard Grandville, MI

They need to verbalized to the customer APR...how payments are scheduled...based on when you are paid...I would not have signed up for this little an had a been told vs hidden in the form...

6 years ago

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Mario Crisp Houston, TX

This company is the worse I try calling to make payment never can you speak to representatives to make your payment. Fraud in all counts.

6 months ago

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Anthony Kelley Alma, KS

$7500 APR 64% ... $210 a month... Screw it not bad. Next page... that's $210 twice a month for 52 months. LOL GTFOH. You got to lower your predatory lending to something acceptable.

3 months ago

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Todd Smith San Marcos, CA

Can you give a zero? Horrible customer support. Hidden fees. Dishonest process and lies about rates. They are absolutely awful. Avoid them at ALL costs. Truly. Do not go anywhere near this company.

1 year ago

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Lee Chicago, IL

The process is simple, and it does help customers declined by banks to get funded.

6 years ago

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Ken Orozco Anza, CA

They are a bunch of liers and they are complete trash. They preapprove you and then lie you about your credit report. Please look elseware.

2 years ago

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Jermaine

They call me sometimes and I dont even live in the states specified.

6 years ago

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Terry Lynn Meyer Verona, WI

Very, very high interest rates. Loan Sharks.

1 year ago