Choose between Online Loans and lines of credit. Both options offer fast funding, flexible terms, and the opportunity to build your credit history.
Fixed payments, predictable schedule
500 - $5,000
34% - 99.99%
6 to 60 months
Same or next business day
A NetCredit personal loan provides you with a lump sum of money upfront, which you repay in fixed monthly installments over a set period of time. This makes budgeting easier since you'll always know exactly how much you owe each month.
Flexible access, pay only what you use
Up to $4,500
Borrow, repay, borrow again
Pay interest only on what you use
Instant access whenever you need
A NetCredit line of credit gives you access to a credit limit that you can draw from as needed. Think of it like a credit card - you only pay interest on the amount you actually use, and as you repay, that credit becomes available again.
Compare features side-by-side to choose what's right for you
| Feature | Personal Loan | Line of Credit |
|---|---|---|
| Loan/Credit Amount | $1,000 - $10,000 | Up to $4,500 |
| Funding Type | Lump sum payment | Draw as needed |
| Payment Structure | Fixed monthly payments | Variable based on usage |
| Interest Rate | Fixed APR | Variable APR |
| Loan Term | 6 to 60 months | Open-ended (revolving) |
| Reusability | One-time funding | Reusable credit |
| Best For | Large, one-time expenses | Ongoing or unexpected expenses |
| Same-Day Funding | Available | Available |
| No Origination Fees | Yes | Yes |
| Credit Building | Yes | Yes |
| No Prepayment Penalty | Yes | Yes |
💡 Pro Tip: You can qualify for both products! Many customers use a personal loan for a large planned expense and keep a line of credit open for emergencies.
Estimate your monthly payments before you apply
* This calculator provides an estimate only. Your actual rate and terms will be determined when you apply and depend on your creditworthiness, state of residence, and other factors.
Basic requirements to apply for a NetCredit loan or line of credit
Won't affect your credit score
NetCredit currently operates in 37 states across the United States
Note: Loan amounts, terms, and availability may vary by state. For specific information about products available in your state, please visit our Rates & Terms page or start your application.
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