Fast Approval • Bad Credit Welcome • Same-Day Funding Available
Your Trusted Online Lending Partner Since 2012
NetCredit is a leading online financial services provider that specializes in Online Loans and lines of credit for individuals who may not qualify for traditional bank loans. As a subsidiary of Enova International, Inc. (NYSE: ENVA), a publicly traded financial technology company, we bring over a decade of expertise in providing accessible financial solutions to millions of Americans.
At NetCredit, we believe that everyone deserves access to fair and transparent financial services. Our mission is to help people move forward financially by providing flexible lending solutions backed by cutting-edge technology and exceptional customer service. We look beyond just credit scores, using advanced algorithms to assess your entire financial picture and create personalized offers that work for you.
Unlike traditional lenders who rely solely on credit scores, NetCredit uses innovative AI-powered technology to evaluate multiple factors including your income, employment history, and banking patterns. This comprehensive approach allows us to help more people access credit when they need it most.
To provide you with the best possible service and competitive rates, NetCredit has partnered with FDIC-insured banking institutions including Capital Community Bank, Republic Bank & Trust Company, and Transportation Alliance Bank (TAB Bank). In states where our partner banks operate, loans are underwritten, approved, and funded by these trusted financial institutions, while NetCredit handles all servicing to ensure you receive consistent support throughout your loan journey.
We've invested heavily in financial technology to make borrowing simple, fast, and transparent. Our proprietary tools include:
Since our founding in 2012, we've helped hundreds of thousands of customers navigate financial challenges, from unexpected medical expenses to home repairs and debt consolidation. We're committed to responsible lending practices, complete transparency, and putting your financial wellbeing first. Every loan decision we make is guided by our core values of fairness, innovation, and customer-centricity.
NetCredit operates in 37 states across the United States, and our dedicated customer support team is available seven days a week to assist you with any questions or concerns. Whether you're facing an emergency expense or planning a major purchase, we're here to provide the financial flexibility you need to move forward with confidence.
Choose the financing option that fits your needs
Get a lump sum payment with fixed monthly payments and a clear repayment schedule. Perfect for larger, one-time expenses.
Access flexible, revolving credit whenever you need it. Only pay interest on what you use, with the freedom to borrow again.
Features designed to help you succeed
Applications submitted before 11 AM CT Monday-Friday may receive same-day funding. Most loans funded within one business day.
Zero origination fees, application fees, prepayment penalties, or NSF fees. What you see is what you pay.
We report your payment activity to major credit bureaus. Make on-time payments to potentially improve your credit score.
Customize your loan amount and repayment schedule with our RightFit Tool™ to match your budget and financial goals.
Bank-level encryption and security measures protect your personal and financial information at all times.
Our customer service team is available seven days a week to answer questions and provide assistance when you need it.
Get funded in 4 simple steps
Complete our quick online form in minutes. We use a soft credit pull that won't affect your credit score.
Receive a personalized loan offer instantly. Review terms, customize your amount, and choose what works best for you.
Electronically sign your loan agreement. Provide any required documentation for final verification.
Receive your funds as soon as the same business day or typically within one business day via direct deposit.
Trusted by thousands of customers nationwide
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