Follow our simple, step-by-step guide to complete your application quickly and increase your chances of approval. Most applications are completed in under 10 minutes.
Start Your ApplicationWhat to expect when applying for a NetCredit loan
Complete the online application form with basic personal and financial information.
Get an immediate eligibility decision and view your personalized loan offer within minutes.
Applications before 11 AM CT may receive same-day funding. Most loans funded next business day.
Follow these seven steps to get your NetCredit loan
Navigate to the NetCredit website or mobile app to begin your application. Make sure you're on a secure connection and have about 10 minutes to complete the process.
Use our My ScoreSaver™ tool to check your eligibility without affecting your credit score. This involves a "soft pull" on your credit that won't impact your FICO® score.
Complete the detailed application with your employment, income, and banking information. Be accurate and honest - providing false information can result in application denial.
Upload or provide documentation to verify your identity, income, and employment. Having these documents ready beforehand speeds up the process significantly.
If approved, you'll receive a personalized loan offer showing your loan amount, APR, monthly payment, and total repayment amount. Take time to review all terms carefully.
Once you're satisfied with your loan terms, electronically sign your loan contract. Read all disclosures carefully. This is when a hard credit inquiry will be performed.
After signing your contract, your loan will be processed for funding. Funds are typically deposited via ACH transfer directly to your bank account.
Gather these items to ensure a smooth, fast application process
Follow these expert tips to speed up your application and increase approval chances
Submit your application before 11:00 AM CT Monday through Friday to potentially receive same-day funding. Late applications will be processed the next business day.
Gather all required documents before starting your application. Having everything on hand prevents delays and allows you to complete the application in one session.
Provide truthful, accurate information. Discrepancies between your application and verification documents can delay approval or result in denial.
Provide information for an active checking account that's been open for at least 90 days. This account will be used for both funding and automatic payments.
Provide accurate phone and email information. NetCredit may need to contact you quickly for verification or to request additional documentation.
Before applying, calculate how much you can afford to repay monthly. Use our loan calculator to ensure the payment fits comfortably in your budget.
Don't apply with multiple lenders simultaneously. Multiple hard inquiries can negatively impact your credit score. Check your eligibility first with soft pulls.
Don't overborrow. Request only the amount you actually need. Smaller loan amounts are often easier to qualify for and cost less in interest.
If NetCredit requests additional information or documents, respond as quickly as possible. Delays in providing requested items can slow down your approval.
Innovative features designed to make your application experience better
Check eligibility without affecting credit
My ScoreSaver™ allows you to check your loan eligibility using a soft credit inquiry that doesn't impact your credit score. This innovative feature lets you shop for rates and see what you qualify for without the risk of damaging your credit.
Customize your loan to fit your budget
My RightFit Tool™ gives you control over your loan terms. Adjust your loan amount and repayment schedule to find the perfect balance between monthly payment and total cost. See in real-time how changes affect your loan.
Complete transparency, no hidden fees
ClearCost for Me™ is our commitment to complete transparency. Before you sign anything, you'll see exactly how much your loan costs, including all fees, interest charges, and the total amount you'll repay over the life of the loan.
Learn from others' mistakes to ensure a smooth application process
Rushing through the application and leaving fields blank or providing incomplete information is a common reason for delays or denials.
Take your time, double-check all fields, and ensure every question is answered completely and accurately before submitting.
Overestimating or underestimating your income, or confusing gross income with net income, can cause verification issues.
Use your gross monthly income (before taxes and deductions). Have recent pay stubs handy to calculate accurately.
Providing a savings account, money market account, or prepaid card instead of a personal checking account.
Ensure you're using an active personal checking account that's been open for at least 90 days for both funding and payments.
Ignoring calls, emails, or document requests from NetCredit during the verification process causes unnecessary delays.
Monitor your email and phone regularly after applying. Respond promptly to any verification requests to keep your application moving.
Requesting more money than you actually need or can afford to repay increases the risk of denial or financial hardship.
Calculate exactly how much you need and ensure the monthly payment fits comfortably within your budget using our loan calculator.
Providing an old address, disconnected phone number, or inactive email account prevents NetCredit from reaching you.
Verify all contact information is current before applying. Use your primary email and phone number that you check regularly.
Quick answers to common questions about the application process
Complete your application in minutes and get an instant decision
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Secure Application • Won't Affect Credit Score • Fast Funding
Applications submitted before 11 AM CT may receive same-day funding