We believe in ethical, transparent lending that puts our customers' financial well-being first
At NetCredit, we're committed to providing access to credit for people who may not qualify for traditional loans, while ensuring every customer understands their obligations and has the tools to succeed financially. We believe responsible lending isn't just about compliance—it's about building long-term relationships based on trust, transparency, and mutual respect.
The values that guide everything we do
We believe you deserve to know exactly what you're agreeing to before you sign anything. That's why we disclose all costs upfront with our ClearCost for Me™ guarantee.
We look beyond credit scores to see the whole picture. Our advanced technology evaluates multiple factors to give you the fairest possible assessment.
An informed borrower is an empowered borrower. We provide comprehensive resources to help you make smart financial decisions.
Life happens, and we understand that. We offer flexible repayment options and work with customers facing financial difficulties.
Your personal and financial information is protected with bank-level encryption and strict security protocols.
We report your payment history to all three major credit bureaus, giving you the opportunity to build or rebuild your credit.
Our commitment to ethical lending practices
We never use deceptive advertising or make promises we can't keep. All our marketing materials clearly disclose rates, terms, and requirements.
We don't believe in surprise charges. All costs are disclosed upfront before you sign your contract. What you see is what you get.
We don't automatically roll over or renew loans without your explicit consent. You're always in control of your loan decisions.
We don't engage in aggressive collection tactics, loan stacking, or any practices designed to trap customers in cycles of debt.
We never sell your personal information to third parties. Your data is used only to service your account and improve our offerings.
We comply with all fair lending laws and treat every applicant fairly, regardless of race, religion, gender, or any other protected characteristic.
Free tools and information to help you succeed financially
Access our suite of free financial calculators to help you make informed decisions:
Learn from our comprehensive library of financial education resources:
Learn how to build and maintain good credit with practical guidance:
Watch our easy-to-understand video guides on important financial topics:
Understanding your rights as a borrower
You have the right to receive clear, accurate information about your loan terms, including APR, monthly payment, total cost, and all fees before you sign.
In certain circumstances, you may have the right to cancel your loan within a specific timeframe. State laws vary, so check your loan agreement.
You're protected by federal law from abusive, unfair, or deceptive collection practices. We train our team to treat all customers with respect.
You have the right to know how your personal information is collected, used, and protected. Read our privacy policy for complete details.
If you're unsatisfied with our service, you can file a complaint with us directly or contact your state's regulatory authority or the CFPB.
You're protected from discrimination under the Equal Credit Opportunity Act. We evaluate all applications based on financial factors only.
We're here to help when times get tough
We understand that unexpected financial challenges can happen to anyone. Job loss, medical emergencies, natural disasters, or other hardships can make it difficult to meet your loan obligations.
If you're experiencing financial difficulty, we encourage you to contact us immediately. The sooner we know about your situation, the more options we may have to help you.
Depending on your circumstances, we may be able to offer:
Important: Not all options are available in all states, and eligibility depends on your specific circumstances, account history, and state regulations. Contact us to discuss what options may be available to you.
We operate under strict regulatory oversight
NetCredit is licensed to operate in 37 states and complies with all state-specific lending regulations and requirements.
We comply with federal regulations including Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Credit Reporting Act (FCRA).
We adhere to industry best practices and maintain memberships in organizations that promote responsible lending standards.
Access free tools, calculators, and educational content to improve your financial wellness