Founded in 2012 NetCredit was created with a simple yet powerful idea: to provide accessible credit to people who traditional banks often overlook. We recognized that millions of hardworking Americans were being underserved by the financial system, and we set out to change that.
As a subsidiary of Enova International, Inc., a publicly traded company on the New York Stock Exchange, we combine the innovation and customer focus of a technology company with the stability and resources of an established financial services leader.
Over the years, we've helped hundreds of thousands of customers access the funds they need while building or rebuilding their credit. Our advanced technology platform uses sophisticated data analytics to look beyond traditional credit scores, considering factors like income stability, banking history, and employment to provide a more complete picture of creditworthiness.
Today, we're proud to be licensed in 37 states, offering Online Loans and lines of credit with transparent terms, no hidden fees, and exceptional customer service. But we're more than just a lender—we're a partner in our customers' financial journeys, providing education, tools, and support every step of the way.