Loans Like NetCredit

NetCredit may be an ideal online lender for those with not-so ideal credit scores. The good news is, there are several others like it.

Looking for loan places like NetCredit?

Maybe you're struggling to get approved by NetCredit or searching for features it currently doesn't offer. Either way, you'll be psyched to know several similar lenders are worth considering.

Some alternatives might offer lower APRs, fewer fees, or more favorable terms. Even better, they might serve a broader range of states, making it possible to get a personal loan where NetCredit isn't available.

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9 Loans Like NetCredit

There are plenty of lenders similar to NetCredit, but not all offer the same convenience or reliability.

This list shows the best alternatives with a streamlined online application process, making borrowing easier.

Let's start with a lender that can fund you right away.

OppLoans: $500 to $4,000

Processing time: Decided within 24 hours or up to five days; funding may be on the same day.
Cost: Check here to see APR and other fees by qualified state.
Other products and services offered: Loan refinancing

Like NetCredit, OppLoans is often considered a middle ground between traditional loans and payday loans. Without the usual hard checks, the best scenario would be receiving cash on the same day. However, the availability of the funds depends on how quickly your bank processes the transaction.

Compared with NetCredit, OppLoans has a lower loan amount cap. It also has a shorter repayment period of up to 18 months, which isn't necessarily bad. After all, longer loan terms can be more costly.

OppLoans doesn't charge origination fees, but it typically has a higher APR than NetCredit. Despite this, it has a referral initiative for the credit-challenged called the TurnUp program. OppLoans will redirect you to its lending partners with more affordable rates.

Avant®: $2,000 TO $35,000

Processing time: Usually decided in minutes; funding may be available on the next business day.
Cost: Check here to see APR and other fees by qualified state.
Other products and services offered: Credit cards and loan refinancing

Headquartered in Chicago, Avant® boasts competitive APRs, quick funding, and the convenience of prequalifying through a soft check that doesn't impact your credit score.

Here's the deal: Avant® doesn't just stop at personal installment loans. It also has branded credit cards, giving you more financial flexibility.

Avant® tends to serve borrowers with a credit score of 600 to 700. Unlike NetCredit, Avant® keeps things simple with straightforward monthly payments—not bi-weekly or weekly. Just one payment each month which can make budgeting easier to plan.

Additionally, Avant® provides a user-friendly mobile app where you can view your upcoming payments and payment history, make additional payments, and check your payoff quote.

MoneyMutual®: Up to $5,000

Processing time: Usually decided within minutes; funding may be available in 24 hours.
Cost: Varies by lender.
Other products and services offered: N/A

Compared to NetCredit, MoneyMutual® operates as an online marketplace rather than a direct lender. It connects borrowers with a network of lenders offering payday loans, installment loans, and cash advances, typically up to $5,000^[6].

Here's how it works:

1. Submit an online request form with your financial details.
   
2. Wait for an offer from a lender, usually arriving in minutes.
   
3. Review the lender's offer, APR, repayment terms, etc.
   
4. Choose the best fit and agree to the loan terms.
   
5. Once approved, funds are deposited into your bank account, often within 24 hours.

Since MoneyMutual® isn't the lender, it doesn't control the loan conditions or interest rates; those are determined by the lenders in its network. While this offers flexibility, you may be matched to a lender that asks more from you.

RISE Credit: $500 to $5,000

Processing time: Usually decided in minutes; funding may be available on the next business day.
Cost: Check here to see APR and other fees by qualified state.
Other products and services offered: Loan refinancing

RISE Credit is a solid alternative to NetCredit, offering personal loans with flexible repayment terms ranging from 7 to 36 months, depending on your state.

One advantage of RISE Credit is that you can pay off your loan early without getting hit with prepayment penalties. At the same time, your fees may be prorated based on how long you keep your loan, potentially reducing your total loan cost.

However, like many online lenders, RISE Credit typically charges higher APRs. The minimum loan amount also depends on state regulations. So, if you're from Mississippi and need $500, you might have to take $600—the state's minimum loan requirement.

Upstart: $1,000 to $50,000

Processing time: Most borrowers are instantly approved with no paperwork required; funding may be available in 24 hours.
Cost: Check here for your individual rate; origination fee and penalties may apply subject to the qualified state's guidelines^[7].
Other products and services offered: Car loan refinance

Upstart and NetCredit both offer personal loans, but operate differently. While NetCredit provides direct lending in some states, Upstart is more like an intermediary, partnering with banks and credit unions. However, Upstart brings a unique twist with its innovative use of AI technology.

Instead of focusing solely on traditional credit scores, Upstart's AI evaluates borrowers based on employment, income, and educational background. This approach is rooted in the idea that education often correlates with future earning potential.

Another attractive thing about Upstart is its streamlined process. Fill out an online form, meet the eligibility requirements, and potentially receive funds much faster than conventional methods.

Keep in mind: If you accept your rate and proceed with your application, a hard credit inquiry will be conducted that impacts your credit score. This is temporary since credit scores usually rebound in a few months with timely debt payments.

Integra Credit: $500 to $3,000

Processing time: Usually decided instantly; funding may be available on the next business day.
Cost: Check here to see APR and other fees by qualified state.
Other products and services offered: Line of credit

Integra Credit is a Chicago-based online lender offering personal loans and lines of credit without relying on credit scores. Its straightforward procedure makes instant approvals and next-day funding possible—providing utmost convenience if you're in need of emergency funds.

While it shares some similarities with NetCredit, such as the absence of prepayment penalties, there are notable differences. Integra Credit provides a lower maximum loan amount of $3,000 and a shorter repayment period of up to 21 months. It also charges late fees if payments are delayed by more than ten days.

OneMain Financial®: $1,500 to $20,000

Processing time: Usually decided quickly; funding may be available in one hour after loan closing.
Cost: Check here to see estimated APR; origination fees, penalties, and governmental fees may apply.
Other products and services offered: Credit cards, secured loans, loan refinancing, insurance.

OneMain Financial® is one of the most established loan companies in the US, with a history spanning over a century. It offers unsecured and secured personal loans, providing flexibility in loan terms.

For example, if you provide a vehicle as collateral, you could qualify for a lower interest rate. OneMain also has auto loan refinancing. This can help reduce your interest rate, lower monthly payments, and adjust your loan term to suit your budget.

Applications are straightforward—you can apply online or visit one of OneMain's 1,300+ branches across the country. While its APR can be competitive, you must be aware of potential penalty fees for late payments and non-sufficient funds.

LendingClub: $1,000 to $40,000

Processing time: Usually decided within hours; funding may be available in 24 hours.
Cost: Check here to see the latest APR; origination fees and penalties may apply subject to the qualified state's guidelines.
Other products and services offered: Business loans, auto refinancing, TopUp™ loans, personal banking,

LendingClub is a fintech marketplace bank offering loans that are crowdfunded by its individual and corporate investors.

One of LendingClub's main benefits is its competitive interest rates. Your loan's APR is determined by several factors, such as your credit score, debt-to-income ratio, and loan amount.

Additionally, LendingClub offers fixed-rate loans, ensuring your interest rate remains constant throughout the term. If you want to save on interest, you can pay off your loan early without penalties.

In case you need a higher loan amount, you can apply with a co-borrower to increase your approval odds and potentially secure better terms. While there's no limit to the number of accounts you can apply for, your total borrowing amount across all loans can't exceed $50,000.

PersonalLoans®.com: $250 to $35,000

Processing time: Usually decided within five minutes; funding follows after loan acceptance.
Cost: Check here to see the latest APR; penalties, and other charges may apply subject to the qualified state's guidelines.
Other products and services offered: N/A

PersonalLoans®.com, like NetCredit, stands out for its willingness to work with borrowers across a range of credit profiles. Its user-friendly online application process makes it easy to connect with lenders, providing fast access to potential loan offers.

However, unlike direct lenders, PersonalLoans®.com operates as a marketplace. Loan terms such as interest rates, fees, and repayment conditions are set by the individual lenders in its network. This means rates can vary significantly, with higher APRs often applied to borrowers with lower credit scores.

Not every loan request will be approved, but PersonalLoans®.com pulls all the stops to find you a loan provider. If it can't match you to lenders in its main network, it'll reach out to the lenders outside it, increasing your odds of walking away with a loan approval.

Now that you've discovered some of the best options similar to NetCredit, read on to learn more about personal loans.

How to Choose Loans Like NetCredit

If you're considering a personal loan with NetCredit or a similar provider, weigh these three key factors before making a decision:

• Eligibility requirements
  Does the lender meet your financial profile? Look for specifics like minimum income requirement, credit score qualification, and state availability. This ensures you're not wasting time applying for loans you're not eligible for.

• Loan terms
  Are the APR and repayment terms reasonable for your budget? Make sure the loan amount aligns with your needs—too little or too much can create unnecessary financial strain.

• Speed
  How quickly can you get approved and funded? Some lenders provide near-instant approval and same-day funding, while others take longer.

By keeping the above considerations in mind, you can make a confident and informed choice with a loan that suits your financial goals and timeline.

What Are the Requirements to Get an Online Personal Loan?

The exact requirements for a personal loan vary between lenders. Here are the most common ones:

1. Must be at least 18 years old
   
2. A valid personal checking account
   
3. An active email address
   
4. Proof of income
   
5. Minimum monthly income
   
6. Government-issued ID

What's the Difference Between a Personal Loan and Line of Credit?

A personal loan and a line of credit differ primarily in how you access and repay funds.

With a personal loan, you receive a lump sum amount upfront, usually repaid in fixed installments over a set period. This makes it predictable and structured.

In contrast, a line of credit works more like a credit card. It offers a revolving borrowing limit you can draw from as needed. You only pay interest on the amount you use. And as you make repayments, your available limit is replenished.

Ultimately, personal loans are ideal for one-time expenses with a repayment schedule. Credit lines, on the other hand, provide ongoing flexibility for recurring or unpredictable financial needs.

How do I increase my chances of getting approved for a personal loan?

Here are some simple, effective strategies to improve the approval odds of your loan application:

• Get a stable job
  While many lenders overlook one's credit score, they put a lot of weight on regular employment.

• Limit hard credit inquiries
  When shopping for loans, choose a lender that conducts soft pulls instead.

• Use a credit-builder loan
  Credit builder loans are recommended for those with no credit or poor credit. This motivates you to pay on time.

• Keep your credit cards open
  Closing a credit card reduces your available credit, which can impact your credit utilization ratio.

• Find a co-borrower/co-signer
  Especially if they have a high credit score and you don't, you can gain the confidence of hesitant lenders.

Personal loan Alternatives

While loans can fix some financial problems, you might not need them in the first place given the following options.

Cash advance app
You can potentially save on interest charges. However, even the best cash advance apps are only ideal for small amount needs.

Borrow from friends and family
Reserve this option for small amounts to ensure you can pay them back and not risk straining relationships.

Credit cards
Although the APRs will likely be about the same as a personal loan, using your credit card may be more accessible and versatile.

Payday Alternative Loans (PALs)
If you're a credit union member, ask about these since they usually have lower rates.

Savings
This may be a last resort, but in case you take it up, make sure your need won't entail depleting your entire stash.

401(k) loans
If your plan sponsor allows it, you can borrow from your 401(k) without impacting your credit score.

Get up to $750 per paycheck

• Access up to $150/day, with a max of $750 between paydays
• There's no interest, no credit check, and no mandatory fees. Tips are always optional.
• Over 19M downloads — and counting

EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details

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Get up to $500

• No interest, credit checks, or late fees
• No lengthy application process or waiting period
• Sign up in minutes

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• No interest, late fees, or tipping
• No credit check
• Just $8.99/mo. Cancel anytime

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Get Up to $200 Now

• Sign up in seconds: Just enter your name, email and phone to get started
• Connect your account: Link your bank, so we know where to send your money
• Access your cash: Get a Klover advance - up to $200 - with no credit check

Get Up to $200

Borrow $100 to $50,000

• Loans from $100 to $50,000 subject to approval
• Online form takes less than 5 minutes to complete
• If approved, you may get your money in as little as 24 hours

Get Started

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Methodology

When looking for loans like NetCredit, we put on our borrower glasses and dove deep. This wasn't just another list—this was a mission to find lenders who understand your financial reality.

We focused on loan features, the simplicity of the application process, and the quality of customer support. Our priority? Lenders who see beyond a credit score and accommodate borrowers with imperfect credit.

User reviews weren't just background noise—they were our compass. We scoured complaints, satisfaction ratings, and testimonials to separate genuine helpers from predatory lenders.

Transparency was a non-negotiable factor. Lender websites must provide clear conditions on APRs, fees, and repayment terms.

Lastly, we gave extra credit to lenders offering useful perks like financial education tools, promoting financial literacy and supporting responsible borrowing. These additional benefits are signs of a lender who cares about your overall financial health.

Bottom Line

If you need extra cash, borrowing from NetCredit, or big banks for that matter, isn't your only option. Similar lenders like OppLoans and eight others on the list offer alternatives that can meet your needs quickly and conveniently.

Some of these loan providers offer lower APRs, more accommodating terms, or bonus features like a mobile app and free credit score access.

Take time to compare these lenders carefully to ensure you find one that fits your immediate needs and supports your financial stability and long-term goals.

References