NetCredit Reviews 32,316

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and simplicity of the application process, noting that it is user-friendly and straightforward. Many people appreciate the prompt responses and quick funding, often receiving their money within 24 hours. The service is consistently described as fast, professional, and efficient, with numerous consumers praising the helpfulness and politeness of the staff and customer service representatives. However, some customers also noted issues with the payment structure, feeling that a significant portion of their payments went towards service charges and fees rather than the principal loan amount. A few other people also felt that the company's offers to help were misleading, leading to denials for a line of credit despite initial indications.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the ease and speed of the... See more

Payment

Reviewers mention positive feedback about payment. Many customers praise the fast approval and funding... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the excellent customer... See more

Customer service

Customers had positive experiences with customer service. Many reviewers praised the representatives for... See more

Staff

Clients share positive opinions on staff. Many reviewers praise the professionalism, politeness, and... See more

Based on these reviews

Rated 5 out of 5 stars

Thank you net credit for assisting me in my time of need I am scheduled for knee surgery soon and my limitations are very limited in my Mobility so my work and whatnot have been at a very minimum. Tha... See more

Rated 5 out of 5 stars

Unfortunately I am in a hardship situation and hadn't been able to make my full payment but not credit was right there by my side willing to help me make payments that I can afford. Thank you net cred... See more

Rated 5 out of 5 stars

My experience was really great due to the fact that everything was easy and simple and right to the point. From the moment you start the process all the way to when you have to put in your bank info.... See more

Rated 5 out of 5 stars

My experience with NetCredit was great. I applied for a line of credit. The process was easy to follow. The turnaround time was quick. The line of communication was outstanding because I was informed... See more

Rated 5 out of 5 stars

I am very satisfied with the company. The process was easy and user friendly. The agent over the phone was professional courteous and explained everything clearly. Overall I am happy with the experien... See more

Rated 5 out of 5 stars

Because it was easy to apply and I received an answer promptly and the payments were reasonable for me. I received the funds as promised by NetCredit.

Rated 5 out of 5 stars

The last 5 years I have really worked on getting my credit status back up, Netcredit gave me a small line of credit that is easy to pay off and no pre payment penalty if I pay off early..

Rated 5 out of 5 stars

It was extremely easy to do the application online. There was no houses straightforward and I appreciate the help I needed to get over a small little hump thank you. Net CREDIT for helping me.

Rated 5 out of 5 stars

Fastest funding. No drama. Got the amount I needed just in time. Words matter. You get the money you need 123. That's what one needs especially when needing money in a hurry for a project. No time for... See more

Rated 5 out of 5 stars

I am NOT Tech savvy!! I called and spoke with a wonderful woman who walked me through the process!! Every one I spoke with was extremely knowledgeable and very professional with an OLD GUY 😀👍😀

Rated 5 out of 5 stars

We were having a lot of problems and no-one seemed to want to help. We finally talked to Sarah and she was a very good help and was very smart at what she was doing.

Rated 5 out of 5 stars

The application process was super easy and not stressful at all. It gives you fast results as well.

Rated 5 out of 5 stars

I love the experience because I found out I need the loan at 1030pm and I was approved and 15 minutes later. And had my funds by noon thw next day....Love Love Love how fast it was. I will always use... See more

Rated 5 out of 5 stars

The whole lending process was very simple and fast. Got my funding same day, I'm impressed with NetCredit.

Rated 5 out of 5 stars

I was nervous at first, but found the company to be true to their word. The process was simple and quick turnaround with funds deposited the day that it was promised. Thank you.

Rated 5 out of 5 stars

The NetCredit experience was straight forward. I completed the information and received approval within the hour. My funds were deposited within 24hrs. I feel like it's a great service.

Rated 5 out of 5 stars

My experience with various Representatives was more than helpful and they were polite, patient and made certain that I understood each and every step of the process as a new Client.

Rated 5 out of 5 stars

I filled out the application with a large amount of skepticism. Much to my delight it was quick and not invasive at all.

Rated 1 out of 5 stars

Can someone answer how i get approved but in the end it declined me for bank account activity. So I called asking question and the representatives was confused and said she didn't know what that meant... See more

Company replied

Rated 5 out of 5 stars

Very prompt everything was a smooth transition on line easy to upload documents thank you for good professional services

Rated 5 out of 5 stars

Wow. The application process and turn around time was phenomenal. Thank you so much for the excellent experience. Thumbs up to NetCredit. I have applied for a number of credit during my adult life but... See more

Rated 5 out of 5 stars

I was approved when others said no. I didn't get the amount I originally asked for,but you had an alternative fair amount. The whole process was quick and easy. Im going to refer as many people as I c... See more

Rated 5 out of 5 stars

The service was fast and professional. The money was deposited into my account within hours. I could not have asked for better service.

Rated 5 out of 5 stars

Excellent customer service and amazing customer care and support everything was flawless and went off without a single issue. My customer service representative stayed on the phone with me till the tr... See more

Rated 5 out of 5 stars

Easy to figure the process out. Had my loan in under 48 hours. Now to figure out how to repay !

Rated 1 out of 5 stars

You act like you want to help but you always find a reason to deny the line of credit. Please do not act like you care. Your offer to help is just a way to save face for those who read this. I stron... See more

Company replied

Rated 5 out of 5 stars

Net credit is AWESOME!! They have the money for you when you need it the most. Application and approval were very easy. And funding was FAST. Definitely highly recommended Net credit.

Rated 5 out of 5 stars

The process was easy and service was fast. It was a pleasure to do business with NetCredit.

Rated 5 out of 5 stars

You have made my rough patch a perfectly sown whole again. Quick help for emergencies. I am very thankful <3

Rated 5 out of 5 stars

This was the best thing that could happen to me I was able to pay all my credit off instead of 5 payments a month only one

Rated 1 out of 5 stars

I applied for a loan and turned in everything that was needed. I even called to update my information. The person I talked to didn't sound right, and the next thing I knew, my application was withdraI... See more

Company replied

Rated 5 out of 5 stars

I was desperate upon discovering I had made a HUGE mistake while calculating my bills. I needed cash and I needed it immediately. This was the easiest, best loan I ever took out in my life. Mo... See more

Rated 5 out of 5 stars

Easy application Fast response time with all paperwork. Extremely fast deposit of the money into my account. Couldn't be Happier.

Rated 5 out of 5 stars

It was quick, easy and painless which helped ease the anxiety of the issues I was having.

Rated 1 out of 5 stars

Very horrible experience they double the amount without telling you have to pay back I got 1000 dollar my payments are 88 every two weeks they took 6 payment of that amount and I still owe 859 so ever... See more

Company replied

Rated 5 out of 5 stars

It was an easy process and the only place that approved me with my credit! Thank you so much

Rated 1 out of 5 stars

This company is full of shit ! In October 2025 . I applied for a small line of credit. I got approved immediately. And started paying the debt back last November. And have not missed a payment. Th... See more

Rated 5 out of 5 stars

It was a very quick, painless experience and it helped me out in a very difficult situation.

Rated 1 out of 5 stars

Horrible experience , This is a scam , Do not trust this company ! Fees are extremely high and agents are misleading . Such a complicated process to understand that the Service agents don’t know how i... See more

Company replied

Rated 5 out of 5 stars

My funds were deposited on time Avery time they said they would be. The loans are as advertised!!

Rated 5 out of 5 stars

The customer service was great and the process was very simple. I didn’t have to go through to much. I would recommend Net credit to anyone thats looking for a line of credit without having to pay a l... See more


Company details

  1. #47 of 248 best companies in Non-Bank Financial Service
  2. #14 of 104 best companies in Financial Institution
  3. #21 of 82 best companies in Loan Agency

About NetCredit

Written by the company

NetCredit

Your financial situation is unique. Shouldn't your loan options be, too?

  • Fast funding
  • Flexible terms
  • Personal loans for up to $10,000*
  • Lines of credit up to $4,500
Check Your Eligibility

This won't affect your credit score.
Learn more at our Rates & Terms.

What makes us different?

You're not just your credit score.

When you apply, advanced algorithms take a broader look at your finances to create an offer just for you.

You can pick what you need.

Borrow an amount that meets your needs and repay in a way that works for your financial situation.

You can improve your finances.

You can build credit history by making on-time payments, giving you the power to create a better future.

*In CA, some customers may qualify for up to $10,500.

All NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies or a lending partner bank. All loans and lines of credit will be serviced by NetCredit.

In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are underwritten by, approved by and funded by Republic Bank & Trust Company or Transportation Alliance Bank, Inc. d/b/a TAB Bank. Refer to the Rates & Terms page for your state for more information.

CA residents: NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation. Loans made pursuant to a California Financing Law license (License No. 603K020).

NetCredit

Contact info

4.8

Excellent

TrustScore 5 out of 5

32K reviews

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Rated 1 out of 5 stars

Can someone answer how i get approved…

Can someone answer how i get approved but in the end it declined me for bank account activity. So I called asking question and the representatives was confused and said she didn't know what that meant. She put me on hold to speak with someone reguarding this and all they could tell her is she see an approval. Have this happened to anyone?

April 9, 2026
Unprompted review
NetCredit logo

Reply from NetCredit

Hi Daniella,

We are sorry to hear about your frustration. Each application goes through a very thorough verification process in order to ensure responsible underwriting and protect borrowers from potential fraud. If you have questions about your specific experience, please feel free to contact us at https://www.netcredit.com/contact-us

Rated 5 out of 5 stars

Excellent customer service and amazing…

Excellent customer service and amazing customer care and support everything was flawless and went off without a single issue. My customer service representative stayed on the phone with me till the transaction was completed. I was pleasantly surprised by my experience to say the least.

April 7, 2026
Unprompted review
Rated 5 out of 5 stars

It was worth it all

It took me a couple of days to get it right I wanted to give up but I kept going and once I had everything they needed the funding was so quick!! I would recommend this company 10 out of 10!!!

April 8, 2026
Unprompted review
Rated 1 out of 5 stars

Why offer a line of credit.

You act like you want to help but you always find a reason to deny the line of credit. Please do not act like you care. Your offer to help is just a way to save face for those who read this. I strongly recommend not to use this service!!!!

April 8, 2026
Unprompted review
NetCredit logo

Reply from NetCredit

Hi Kenneth,

We are sorry to hear about your frustration. Each application goes through a very thorough verification process in order to ensure responsible underwriting and protect borrowers from potential fraud. If you have questions about your specific experience, please feel free to contact us at https://www.netcredit.com/contact-us

Rated 1 out of 5 stars

Very horrible experience they double…

Very horrible experience they double the amount without telling you have to pay back I got 1000 dollar my payments are 88 every two weeks they took 6 payment of that amount and I still owe 859 so everything I been been paying only 118 went towards my loan the rest is statement fees a total rip off

April 9, 2026
Unprompted review
NetCredit logo

Reply from NetCredit

Hi Maria,

NetCredit works to match our customers with our best possible offer based on their financial eligibility. Our customers are presented with their complete offer details before signing the contract. If you have a question about your account or how the repayment works, please feel free to contact us at https://www.netcredit.com/contact-us.

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