Complete transparency with no hidden costs. View our rates, fees, and loan examples before you apply.
At NetCredit, transparency isn't just a buzzword—it's our commitment to you. With our ClearCost for Me™ guarantee, you'll see exactly what you're paying before you sign anything. All rates, fees, and terms are disclosed upfront in plain language. No surprises, no hidden charges, ever.
Annual Percentage Rate varies based on your creditworthiness and state
Personal loan APRs range from 34% to 99.99%, depending on your state of residence, creditworthiness, income verification, and other factors.
Your rate is fixed for the life of your loan, meaning your monthly payment and APR will never change. This makes budgeting simple and predictable.
Line of credit APRs vary based on your creditworthiness and state regulations. The APR is applied only to the amount you actually use, not your total credit limit.
With a line of credit, you have the flexibility to borrow only what you need, when you need it. Interest accrues only on your outstanding balance.
As of March 2025, NetCredit charges ZERO fees on Online Loans
Industry Leading: Unlike many lenders, NetCredit doesn't charge any fees beyond interest. Your total cost is just the principal plus interest—nothing more.
Real examples showing total cost at different APRs and terms
These are examples only. Your actual rate and terms will depend on your creditworthiness, state of residence, and other factors.
Multiple factors determine your personalized APR
Your credit score and payment history play a significant role. Better credit typically means lower rates, but we consider much more than just your score.
Higher, stable income demonstrates ability to repay and may qualify you for better rates. We look at your monthly income and employment stability.
State regulations affect maximum loan amounts, APRs, and terms. Each state has specific lending laws we must follow.
The amount you borrow and your chosen repayment period affect your rate. Shorter terms typically have lower total interest costs.
Stable employment history shows consistent income. Longer time with current employer may improve your terms.
A stable banking relationship with regular deposits demonstrates financial responsibility and may positively impact your rate.
Loan amounts and terms vary by state
NetCredit vs. other lending options
| Feature | NetCredit | Payday Loans | Traditional Banks |
|---|---|---|---|
| APR Range | 34% - 99.99% | 400%+ typical | 5% - 36% |
| Bad Credit Accepted | Yes | Yes | Rarely |
| Credit Check Impact | Soft pull for eligibility | Varies | Hard pull required |
| Funding Speed | Same/Next day | Same day | 3-7 days |
| Repayment Terms | 6-60 months | 2-4 weeks | 12-84 months |
| Origination Fees | $0 | $15-$30 per $100 | 1%-8% typical |
| Credit Building | Yes | Usually no | Yes |
| Transparency | All costs upfront | Often unclear | Usually clear |
Best For: NetCredit is ideal if you need fast funding with bad credit and want better terms than payday loans, but don't qualify for traditional bank rates.
Check your eligibility and get a personalized rate in minutes without affecting your credit score
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