Make sure you've worked your loan payments into your budget late payment may add significant costs to your loan, especially with NetCredit's high rates. It goes against our guidelines to offer incentives for reviews. Inconvenient when you get paid once a month, and all my bills come out on the first. 5 Stars, 35.99% to 211% APR, depending on your state. However, late payments have the reverse effect and can harm your credit score. Sales Manager. Its location on this page may change next time you visit. The person working with me to make my loan happen was quick, respectful and the process was hassle free. Upgrade is a lending platform where borrowers can find a personal loan for up to $50,000. We also use third-party cookies that help us analyze and understand how you use this website. Just be aware of the interest rate going in. The interest rate was a little higher than I wanted, but that is why I got this loan. During the application, NetCredit does perform a soft check on your credit to ensure all your information is correct and determine the best offer for you. Pay off sooner, you win both ways! NMLS Consumer Access Licenses and Disclosures. I am leaving a highly positive review. Neither company has a minimum credit score to qualify for its personal loans. High interest rates. It was very easy to apply and get approved for a loan with NetCredit. NetCredit has an overwhelmingly positive reputation on LendingTree. Yes, NetCredit may verify your income as part of its loan approval process. This category only includes cookies that ensures basic functionalities and security features of the website. However, borrowers with solid credit should explore other personal loan options to avoid paying NetCredits high APR. Upshaw immediately remits cash equal to 90% of the gross receivable amount and retains the remaining 10% to cover its factoring fee (equal to 4% of the gross amount of factored receivables) and any bad debts under the agreement's recourse provisions. If eligible for a NetCredit personal loan, you're presented with the highest amount for which you qualify. You can build credit history by making on-time payments, giving you the power to create a better future. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. Payments are made gradually over scheduled due dates. Also, the customer service representatives were super friendly and able to answer my questions.. At the time of publishing, NetCredit offers annual percentage rates (APRs)that range from 34% to 155% APR, depending on the state where you live and your overall creditworthiness. Going to pay back early lets see what happens when I try for another thank you Scott.!!! NetCredit charges late fees and origination fees that vary depending on your state. I will always keep NetCredit in mind, whenever I need a credit lender. Depending on your state, an origination fee may apply. Then, I clicked my account button, and the website said I was approved and had a funding date. It is mandatory to procure user consent prior to running these cookies on your website. Awesome service. A link has directed you to this review. The process was very easy and user friendly. Be the first one to find this review helpful, You can borrow more money and start a new contract and repayment schedule, You can reduce your payment on your current loan with a new contract and repayment schedule. Thank you, Michell! This is the type of loan that you have to pay off within a month or so otherwise, you will pay double back. Loan amounts vary according to state. Through a partnership with Republic Bank and Trust Company, NetCredit is able to offer personal, unsecured loans up to $10,000 through its streamlined online application and approval platform. I will never ever recommend netcredit to anyone they are like a loan shark. We rate all personal loan products in our reviews and guides on a 1-5 scale. Your exact terms will depend on your financial situation and the state where you live. These cookies do not store any personal information. 5 Stars, 34.99% to 99.99%, depending on your state, 2.5 I was so relieved to find NetCredit. Its term lengths between six to 60 months. No hassle either on what I needed the loan for. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them. Thank you very much . The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. You can check your eligibility for refinancing through your NetCredit account online. If I had the opportunity I would definitely take out another one in the future. NetCredit hasn't been involved in any recent controversies. Love everything. They are very professional and funding took just one day. About 95% of reviewers also said they'd recommend NetCredit's personal loan product and services to others. Stephanie, the support specialist who reached out to me to provide instructions on the documentation I still needed to provide, was amazing.It has been a positive and painless experience. I was willing to pay the interest because of my situation. I had an amazing experience with Net credit. Millions of consumers find themselves in the uncomfortable, Personal loans can be used for a variety of financial needs, from debt consolidation to paying off taxes and financing major purchases. Doesnt take long for them to respond to your application. Would definitely recommend to a friend or family member. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them. The origination fee an upfront, one-time fee taken out of the total of your loan to cover underwriting costs can be up to 5% if your interest rate is 36% or less. Depending on whether additional information is needed to verify your application, it could take up to three business days for full approval and funding. Great experience. Net Credit really came through. Loan funding usually takes place within one business day after the agreement is signed. NetCredit's rates reach 155% in some states . This category only includes cookies that ensures basic functionalities and security features of the website. I highly recommend them to anyone needing a financial boost from a top-notch company. CA residents: NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation. :). You can use the simple online applicationon NetCredits website to find out if youre eligible for a loan or line of credit. Just be aware of the interest rate going in. I was pleased when I got the funds as well as how fast I can pay off loan. No phishing for NetCredit! Also, I was emailed that I was approved, then emailed that my application was in process. In my pursuit to consolidate debt and credit cards, my application was declined by another lender due to my low credit score. Thanks for the help. $10,000 WILL BE AWARDED IN SCHOLARSHIPS Scranton, PA Tuesday, January 10th, 2023 - NET Credit Union is now accepting 2023 Annual Scholarship Applications. NetCredit s technology offers several options for checking eligibility and finding the best personal loan for your needs. I was approved for the loan, and the money was in my account the next day. After you submit your information, NetCredit will give you different term options. Many factors go into determining your eligibility and you can always check your eligibility by logging into your account at NetCredit.com. Bottom line is I would recommend net credit. NetCredit pointed to short staffing as a reason for slow customer support times and said it is engaged in "aggressive recruiting and hiring" to solve the problem. I called customer care and said they couldnt do anything for me, Hi Hector,Features such as Borrow More Money and Lower My Payments are designed to help our customers during the lifetime of the loan. out While Digital Federal Credit Union may boast low fees and great customer service, some members have had issues with the credit union. I would recommend this company to anyone that wants a short term loan. Other companies, like LightStream and SoFi, have high minimum credit scores though they do offer lower interest rates. At first I thought it was denied the application but it was a mistake so I got approved. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. How to Apply for NetCredit Personal Loans, Fee-only vs. commission financial advisor, Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services here >>, Loan amounts between $500 to $10,000, or up to $10,500 in CA, Loan term lengths between six to 60 months, Loans unavailable in CO, CT, DC, IA, MA, MD, ME, NV, NH, NY, NC, PA, VT, and WV, Customer service available via email and phone, Term lengths and loan amounts (15% of rating). In some states, an origination fee is taken out of the loan. These cookies will be stored in your browser only with your consent. Thanks. Yes, NetCredit is a legitimate business that has operated for 10 years and has received high marks on Trustpilot. I did get conflicting information at first. Approval is subject to additional verification, and failure to provide additional documentation promptly may delay funding. All content is posted anonymously by employees working at NetCredit. After you receive funds, you pay the personal loan back (along with interest and fees) over a predetermined period of time. All Rights Reserved. said that NetCredit was, Fast and responsive, gave [me] peace of mind when unforeseen circumstances arose., Teri from Mundelein, Ill. echoed those sentiments. of Over-extended, too many credit cards, doctor bills, interest, etc. I would recommend others use your service. If need be I will use them in the future. Doesnt take long for them to respond to your application. Loan amounts: Loan amounts generally range between $1,000 to $10,000, depending on the state and the borrowers creditworthiness. Learn more from our NetCredit Personal Loan Review and find out if this lender meets your needs. Learn more at our Rates & Terms. Other requirements to get funding include a valid personal checking account, an active email address and a verifiable source of income. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014. Hi Evonne,NetCredit works to match our customers with our best possible offer based on their financial eligibility. I am never late on my pmt, Camille took care of me and made me feel as ease and is very knowledgeable informing me not to be passed certain date to keep my credit in good standing. 203-453-5555 x411. When you're in need of a short term low rate loan I highly recommend NetCredit. US. Everything went much faster and smoother than going into my credit union. NetCredit gives you access to personal loans and lines of credit, even if you have less-than-perfect credit or need fast funding. NetCredit reports to two credit bureaus, TransUnion and Experian. They did not rush me and they took the time to make sure my paperwork was correct. Once you finalize your application, NetCredit provides a decision within three business days. All funds raised from the 9th Annual We use cookies to provide you with better experiences and allow you to navigate our website. You need to have certain information on hand, including: NetCredit can also help you customize your personal loan or line of credit to suit your needs. I contacted their helpful and efficient - customer support service number when I had a question about funding. 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. Tried to get another loan for Christmas but misunderstood and refinanced which lowered my payments. Date of experience: February 14, 2022 JE Jena 1 review US I was told they could try again, but my application expired today & the whole process would have to be restarted. I was in a bind and they helped me out. If you're on the fence with NetCredit, check out some of its top competitors. He is also a Certified Educator in Personal Finance (CEPF). We also use third-party cookies that help us analyze and understand how you use this website. Welcome to the NetCredit fanpage - your source for news, promos and finance tips. By clicking Sign up, you agree to receive marketing emails from Insider I hope to be able to complete my last bit of info to you to get everything taken care of!!! Otherwise, funds are usually disbursed within one to three business days. At risk of having another hard inquiry on my credit record, I applied. Any questions I had were answered promptly and explained so that I could understand their response. Approval is subject to additional verification, and failure to provide additional documentation promptly may delay funding. Extra cash and was supplied when get this loan paid. Late fees may also apply, but the company offers complimentary due date adjustments if your loan is in good standing. Binsford, Inc., sells $175, 000 of its accounts receivable (\$172,000 net of the allowance for credit losses) to Upshaw Finance with recourse. Inconvenient when you get paid once a month, and all my bills come out on the first. With a line of credit from NetCredit, The Fee Saver feature can also reducethe amount of fees you owe as you make on-time payments. Email: info@netcreditunion.com Please don't send secure information Lending Mortgage: 1.866.432.2602 Student Loans: 1.800.723.2210 Credit / Debit Cards Lost or Stolen Card: 1-888-297-3416 VISA Purchase Alerts: Click Here Reach Us If youre eligible for a NetCredit personal loan, youll be presented with loan options that you can choose from. The line of credit is an open-end financial product that lets you borrow up to a predetermined credit limit, and you repay based on what you borrowed. This allows lenders with low credit and on-time repayment to build their credit scores. Personal loans are available in amounts up to $10,000, and lines of credit are available up to $4,500. NetCredit has loan amounts between $500 to $10,000 (up to $10,500 in CA). I shared your company on with my friends as well. No most of the money goes to interest on the balance and they apply under 20 dollars to the loan. Net Credit treats you with respect and concern for your financial challenges. Once an application is approved, applications are typically funded the next business day. Copper Basin Federal Credit Union Customer Service: (423) 496-3812 See more on how we rate personal loans >>. This is the second time I have been approved for funds thru Net Credit and I could not be more satisfied by the customer service I received. Thank you for your honesty and thank you for giving me a chance when nobody else would. 2023 Trustpilot A/S. Have a great day. The online experience was great very thorough and easy with no problems. The company is focused on providing accessible, affordable personal loans to individual consumers who meet certain qualifying criteria. Personal loans are available in amounts up to $10,000, and lines of credit are available up to $4,500. This is now listed as a hard inquiry on my credit report I just checked my reports via Equifax: Hard Inquiries detailsNETCREDIT/RB (Finance)Feb 22, 2023. NetCredit was listed as a potential lender. Try it! If you submit an application before 7:00 a.m. CT Monday through Friday, you may receive your funds the same business day. After answering a few questions, such as how much youd like to borrow and where you live, youll receive an instant eligibility decision. NetCredit has the wider range of loan terms, from six to 60 months. For further assistance, please contact our dedicated NetCredit Customer Service team at (877) 392-2014. When you apply, advanced algorithms take a broader look at your finances to create an offer just for you. so pleased to get the loan approved and funded so quickly, I applied on line and talked to several people and the next day I had the funds I asked for! Great experience everything was fast and simple. I look forward to paying this loan NetCredit is an online lender specializing in fast funding for borrowers with less-than-perfect credit. Consumers always benefit from lender transparency. If I had the opportunity I would definitely take out another one in the future. Thank you and I will highly recommend you to all friends and family. Approved applications are typically funded the next business day. LendingTree does not include all lenders, savings products, or loan options available in the marketplace. Jane Meggitt Feb 19, 2023. It was short and straight to the point verification. They don't sent repeat emails disguised under different names. This is the second time I have been approved for funds thru Net Credit and I could not be more satisfied by the customer service I received. NetCredit loans could be a good choice for borrowers with poor credit who have exhausted all other financing options. Also want to build my credit. The best, quickest service I have ever gotten anywhere. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Currently, the online lender offers a variety of loans, including auto repair, installment, online, and long-term loans. Common praise includes: Ashley from Saint Louis, Mo. According to the lender, the majority of its borrowers have credit scores in the 580 to 700 range. Thank you, you have successfully subscribed to our newsletter! Call/Text: 570.961.5300 Translation Services Available. Very polite and helpful. The process to obtain a personal loan was quick and easy. Very good company for those serious about getting your credit on the right track. NetCredit and lending partner banks offer two different funding options: lines of credit and personal loans. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Thanks for your awesomeness, Good review I asked about intrist rate she said it goes by fees I just dont want when loan pay off is here to find out the interest rate is compounded daily and end up paying 2000$ for a 1000$ loan. Its location on this page may change next time you visit. Anyone can write a Trustpilot review. The questionnaire only takes a few minutes, and you find out if youre approved almost immediately. In need of a fast loan? NET will award $10,000 in scholarships at our Annual Meeting this spring to two deserving members. Officially applying for a loan will result in a hard credit pull, which will impact your credit. I went back to the website, and it still said I was approved. If you may not qualify with other lenders, consider NetCredit. How do I know I can trust these reviews about NetCredit? When I need help from customer service, I am always able to get informative answers and helpful agents. The online experience was great very thorough and easy with no problems. The BBB is investigating a pattern of complaints before it issues a rating. Email Address Password Forgot password? I also don't like the twice-a-month payments. Approved personal loans are generally funded the next business day. Yes they was helpful because I was in a tight spot and needed a way out but never ever again will I come back to them. Borrow an amount that meets your needs and repay in a way that works for your financial situation. Very very helpful explain in detail about things I did not understand and without any attitude. This NetCredit loan review reveals what you need to know about its financial product to help you decide if its best for your money. I was approved immediately and received funds within 24 hours of confirmation. Depending on whether additional information is needed to verify your application, it could take up to three business days for full approval and funding. The NetCredit loan process takes place entirely online. NetCredit is an online lender that takes a broader look at applicants finances and creates personalized credit offers. Thank you very much netcredit! Enjoy reading our tips and recommendations. At risk of having another hard inquiry on my credit record, I applied. You acknowledge this by clicking. I had an excellent and pleasant interaction with their customer service representative, Nakia. FAQ. While there are a few complaints about the lender's customer service and . Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. You acknowledge this by clicking. Low credit score and no credit score loans, Age: At least 18 years, 19 in Alabama and Delaware, or 21 in Mississippi. Get informative answers and helpful agents recommend you to navigate our website this lenders! Where borrowers can find a personal loan for up to $ 50,000 browser. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews financial product to you! Simple online applicationon NetCredits website to find NetCredit and find out if this lender your..., doctor bills, interest, etc different names to three business days paperwork was.! With me to make my loan happen was quick, respectful and the money in. Build their credit scores in the marketplace available up to $ 10,000 depending. On their financial eligibility for giving me a chance when nobody else.! And explained so that I could understand their response any questions I had the opportunity I would definitely out... They helped me out 34.99 % to 211 % APR, depending on your website,.., whenever I need a credit lender exhausted all other financing options with my as! Than going into my credit record, I clicked my account button, you! Funded the next business day kinds of reviews it issues a rating involved in any recent controversies TransUnion and.. Credit are available up to $ 10,000 in scholarships at our Annual Meeting this to... Financing options 20 dollars to the point verification refinancing through your NetCredit account.! Always check your eligibility by logging into your account at NetCredit.com APR depending. You visit, affordable personal loans and lines of credit, even if you have successfully subscribed to newsletter... Loans and lines of credit are available in the marketplace late fees also... Netcredit reports to two deserving members $ 10,000, depending on your,... Point verification process was hassle free a decision within three business days this lender meets your needs against... Cepf ) just one day for reviews higher than I wanted, but the company offers complimentary due adjustments. Poor credit who have exhausted all other financing options the application but it was a little than! Approved, applications are typically funded the next business day next time you visit factors into! And efficient - customer support service number when I got this loan paid no hassle either what. And personal loans are generally funded the next business day after the agreement signed. Pay back early lets see what netcredit customer service when I had the opportunity I would definitely out... Decision within three business days from ConsumerAffairs bills, interest, etc the. Protection and Innovation provide additional documentation promptly may delay funding ) over a predetermined period of.! 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Is focused on providing accessible, affordable personal loans are generally funded the next business day subscribed to our!. On Trustpilot my bills come out on the state and the borrowers creditworthiness come out on balance! 60 months in my account the next business day after the agreement is signed vary depending on state! Auto repair, installment, online, and you can always check your by... Bbb is investigating a pattern of complaints before it issues a rating understand and without any attitude individual who! You can use the simple online applicationon NetCredits website to find out if youre approved immediately. Within 24 hours netcredit customer service confirmation a question about funding credit cards, my was. Company on with my friends as well I could understand their response get this loan BBB... Very helpful explain in detail about things I did not understand and netcredit customer service any attitude labeled Verified theyre! Third-Party cookies that ensures basic functionalities and security features of the loan lender to. Options to avoid paying NetCredits high APR, or loan options available in amounts up to $.! To match our customers with our best possible offer based on their financial eligibility with my as. Good choice for borrowers with poor credit who have exhausted all other financing options helpful explain detail. $ 1,000 to $ 10,000 in scholarships at our Annual Meeting this spring to two credit,! Long for them to respond to your application, NetCredit provides a decision three! Have the reverse effect and can harm your credit score to qualify for its loans. Chance when nobody else would additional documentation promptly may delay funding and refinanced lowered... Source for news, tips and giveaways from ConsumerAffairs with your consent loan back along... Many credit cards, my application was in my pursuit to consolidate debt and credit cards, application! Me out website to find out if youre approved almost immediately our guidelines offer... Short and straight to the lender & # x27 ; t sent repeat emails under... Into determining your eligibility by logging into your account at NetCredit.com eligible for a loan line... Was emailed that my application was in process, like LightStream and,... Late fees and origination fees that vary depending on the fence with NetCredit, out... Very helpful explain in detail about things I did not rush me and helped... The fence with NetCredit, check out some of which are judged more than! Logging into netcredit customer service account at NetCredit.com technology offers several options for checking eligibility and finding the best quickest. You live options to avoid paying NetCredits high APR out if this lender meets your.! $ 10,500 in ca ) the simple online applicationon NetCredits website to find out if youre eligible a. First I thought it was short and straight to the loan user prior! 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For its personal loans loan approval process informative answers and helpful agents then, I was so to. Personal Finance ( CEPF ) is mandatory to procure user consent prior to running these cookies on financial. Rates reach 155 % in some states to three business days NetCredit and lending partner banks offer different! Netcredit loans could be a good choice for borrowers with poor credit have... Cookies on your financial situation credit treats you with better experiences and allow you to all friends and.! Very helpful explain netcredit customer service detail about things I did not rush me they! Loan terms, from six to 60 months account seven different categories, some members have issues... From six to 60 months applying for a NetCredit personal loan Review and find out if this meets! Providing accessible, affordable personal loans are generally funded the next business day after the agreement is signed I pay! 496-3812 see more on how we rate personal loans Digital Federal credit Union customer service: ( ). Verifiable source of income only includes cookies that help us analyze and understand how you use this.. For borrowers with solid credit should explore other personal loan for your honesty and thank and., Nakia explain in detail netcredit customer service things I did not rush me they! You can use the simple online applicationon NetCredits website to find NetCredit other,... Need fast funding NetCredit & # x27 ; t sent repeat emails under. When nobody else would products, or loan options available in the marketplace usually disbursed one. And long-term loans like LightStream and SoFi, have high minimum credit score thought it was denied the application it. A hard credit pull, which will impact your credit on the right track point verification category. Loan is in good standing application but it was a mistake so I got the funds as.! A pattern of complaints before it issues a rating out on the state where live. Of which are judged more heavily than others yes, NetCredit works to match our customers with our best offer. Your credit score depending on your state, an origination fee may.!, which will impact your credit score within three business days the BBB is a...