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Customer Reviews & Testimonials

Read real experiences from our customers. See why thousands trust NetCredit for their financial needs.

4.8
Excellent
Based on 30,000+ reviews

Rating Breakdown

5
82%
4
12%
3
3%
2
2%
1
1%

Other Ratings

Better Business Bureau B Rating
WalletHub 3.4/5
Credit Karma 4.2/5
Consumer Affairs 4.5/5

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Customer Reviews

Real feedback from real NetCredit customers

Jennifer Martinez
Verified 2 days ago
Fast and Professional Service!
I needed money quickly for an unexpected car repair, and NetCredit came through for me. The application process was incredibly simple and straightforward. I was approved within minutes, and the money was in my account the very next day. The customer service team was helpful and patient with all my questions. Highly recommend!
47 people found this helpful
Michael Thompson
Verified 5 days ago
Great Experience Despite Bad Credit
I was denied by several other lenders because of my bad credit, but NetCredit gave me a chance. They were transparent about rates and fees from the start, which I really appreciated. The loan helped me consolidate my debts, and making on-time payments has actually improved my credit score. Thank you NetCredit!
62 people found this helpful
Sarah Williams
Verified 1 week ago
Saved Me During Emergency
When my water heater broke and flooded my basement, I needed money fast. NetCredit's same-day funding saved me from a disaster. The application was easy on my phone, and I got approved in less than 10 minutes. The customer service representative walked me through every step. Forever grateful!
38 people found this helpful
Robert Anderson
Verified 1 week ago
Transparent and Trustworthy
What I appreciate most about NetCredit is their honesty. They showed me exactly what I'd pay in interest and fees before I signed anything. No surprises, no hidden charges. The My RightFit tool helped me adjust the loan terms to fit my budget perfectly. This is how all lenders should operate!
55 people found this helpful
Lisa Chen
Verified 2 weeks ago
Good Service, Fair Rates
The interest rate is higher than traditional banks, but that's expected with my credit situation. NetCredit was upfront about everything, and the service was excellent. Application was simple, approval was fast, and funding was quick. Only wish the rates were lower, but overall a positive experience.
29 people found this helpful
David Johnson
Verified 2 weeks ago
Excellent Customer Support
I had questions about the application process, and the customer service team was incredibly helpful. They took the time to explain everything to me clearly and patiently. The entire experience was smooth, and I got the loan I needed to cover medical expenses. Very satisfied with NetCredit!
41 people found this helpful
Amanda Rodriguez
Verified 3 weeks ago
Helped Me Build Credit
Not only did NetCredit help me when I needed money urgently, but they also report to credit bureaus. After six months of on-time payments, my credit score has improved significantly! It's great to work with a lender that helps you build a better financial future. Highly recommended for credit building!
73 people found this helpful
James Parker
Verified 3 weeks ago
Easy Mobile Application
I applied from my phone during my lunch break and got approved instantly. The mobile app was super easy to use, and I could upload all my documents right from my phone's camera. Had the money in my account the next morning. Technology done right!
34 people found this helpful

Customer Success Stories

Real stories of how NetCredit helped customers achieve their goals

JM

Jessica Miller

Austin, Texas
"NetCredit helped me turn my financial situation around when I needed it most."

The Challenge

After losing my job during the pandemic, I found myself struggling with multiple credit card debts totaling over $8,000. With high interest rates and minimum payments I could barely afford, I was trapped in a cycle of debt. My credit score had dropped to 580, and traditional banks wouldn't even consider my applications.

$7,500
Loan Amount
36 mo
Loan Term

The Solution

I discovered NetCredit through an online search and was amazed that they approved me despite my poor credit. I used the loan to consolidate all my credit card debts into one manageable monthly payment. The fixed payment schedule made budgeting so much easier, and I finally felt in control of my finances again.

The Results

After 18 months of consistent on-time payments, my credit score has improved to 680! I've paid off more than half of my loan, and I'm on track to be completely debt-free in another year. NetCredit didn't just give me a loan – they gave me a path to financial recovery. I'm now in a position to start saving for my future again.

TR

Thomas Robinson

Orlando, Florida
"When my HVAC system failed in the middle of summer, NetCredit saved the day."

The Emergency

Living in Florida, air conditioning isn't a luxury—it's a necessity. When my 15-year-old HVAC system completely died in July, I was facing a $5,000 repair bill I didn't have. With temperatures reaching 95°F and two young kids at home, I needed a solution immediately.

$5,200
Loan Amount
24 hrs
Funding Time

Quick Response

I applied for a NetCredit loan at 9 AM on Monday, got approved within 10 minutes, and had the money in my account by Tuesday afternoon. The entire process was seamless – I could do everything from my phone while sitting in my overheated house. The customer service team even followed up to make sure everything went smoothly.

Peace of Mind

Thanks to NetCredit's fast funding, we had our AC fixed within 48 hours of it breaking. The monthly payments are affordable and fit perfectly within our budget. Best of all, I'm building my credit history with each payment. NetCredit was there when my family really needed help, and I'm forever grateful.

MC

Maria Gonzalez

Phoenix, Arizona
"As a single mom, NetCredit gave me the financial flexibility I desperately needed."

My Situation

Raising three kids on a single income is challenging enough, but when my car broke down and needed major repairs, I didn't know what to do. I needed my car to get to work, but I had less than $500 in savings. My credit wasn't great due to past medical bills, and I was worried I wouldn't qualify anywhere.

$3,000
Loan Amount
100%
On-Time Payments

Finding Hope

NetCredit approved me for a $3,000 loan even with my credit challenges. The application was straightforward, and I loved that I could see all the costs upfront – no surprises or hidden fees. I was able to fix my car and keep my job. The My RightFit tool let me adjust my payment schedule to match my paydays, which made a huge difference.

Building a Better Future

I'm now 12 months into my loan, and I've never missed a payment. My credit score has improved by almost 80 points! NetCredit didn't just solve my immediate problem – they gave me a tool to build a better financial future for my kids and me. I'm now saving money each month and feeling more secure than I have in years.

Review Statistics

What customers appreciate most about NetCredit

94%
Rate Our Speed as Excellent
91%
Would Recommend to Others
89%
Satisfied with Customer Service
96%
Appreciate Transparency

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