NetCreditNetCredit Personal Loans

NetCredit Personal Loans are fixed-rate unsecured installment loans offered through NetCredit and its lending partner banks, available in amounts from 1,000 to 10,000 dollars with terms between six and sixty months. Eligibility checks use a soft credit inquiry that does not affect a FICO score, and the lender states it considers broader financial factors, so borrowers with less-than-perfect credit may still qualify. Rates and fees range from 34.99 to 99.99 percent APR depending on creditworthiness and state, and same-day or next-business-day funding is available for approved applications.

Payments are reported to the major credit bureaus, so on-time repayment can help build credit history. The loans carry no prepayment penalties, and refinancing is offered in select states. NetCredit is a Chicago, Illinois-based consumer lending brand focused on borrowers underserved by traditional banks.