Installment Lenders
NetCredit Review
Personal loans and lines of credit for fair- and bad-credit borrowers.
CashCompassPro rating
Worth comparing
Cost / APR
34% – 99.99% (state-dependent)
Amounts
$1,000 – $10,000
Funding speed
Next business day
Credit review
$500 – $4,500 in select states
APR range
34% – 99.99% (state-dependent)
Loan amounts
$1,000 – $10,000
Line of credit
$500 – $4,500 in select states
Loan terms
6 – 60 months
Funding speed
Next business day
Credit reporting
Reports to all three bureaus
Overview
NetCredit, also operated by Enova, offers personal installment loans and lines of credit for people with damaged or limited credit. APRs are high but ceilings are reasonable (~$10,000) and the bureau reporting can help rebuild credit on schedule. Read the state-specific terms carefully — APR and origination fees vary widely.
Who NetCredit may be best for
Borrowers comparing lender options, costs, approval requirements, funding speed, and alternatives before submitting a request.
What to watch before applying
Review APR, fees, repayment timing, availability, and the total repayment amount before accepting any offer.
Pros
- Higher loan ceiling than most bad-credit lenders ($10,000)
- Soft-pull pre-qualification
- Reports payments to all three credit bureaus
- Available as both an installment loan and a line of credit
Cons
- APR ceiling near 100% in some states
- Origination fee in certain states
- Not licensed in every state
Eligibility & requirements
- Verifiable income
- Active checking account
- Government-issued ID
Compare NetCredit to other options
Use the review details, calculators, and alternatives below before submitting a request.
Submitting a request does not guarantee approval or funding.
Compare related guides
Alternatives to NetCredit
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Questions
Frequently Asked Questions
Clear answers to common questions before you compare loan options or apply.
Reviewed by the CashCompassPro editorial team. CashCompassPro is not a lender and does not make credit decisions. See our editorial guidelines and fact-checking policy. Browse all lender reviews.