Installment Lenders
NetCredit Review
Personal loans and lines of credit for fair- and bad-credit borrowers.
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.
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 to other lenders
Use our free pre-qualification form to see options matched to your state and income.
No hard credit pull · 60-second form
Alternatives to NetCredit
Frequently Asked Questions
Reviewed by the CashCompassPro editorial team. See our editorial guidelines and fact-checking policy. Browse all lender reviews.