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Loans Like NetCredit

These sites offer personal loans online, accept bad credit and might boost your credit score.

NetCredit is one of the few online lenders that offers installment loans that can improve your credit score because it reports your payments. If you have a credit score below 580 and are struggling to find approval, NetCredit could be a viable option. But with interest rates and fees as high as 99.9% APR and limited state availability, another lender might be a better option.

Our lending experts reviewed over 250 personal loan and payday lenders before selecting these loans like NetCredit.

Top picks for loans like NetCredit

Alternative for bad credit but otherwise strong finances

Integra Credit installment loans

8.2 Great

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Integra Credit specializes in financing for bad credit borrowers, similar to NetCredit. Its installment loans range from $500 to $3,000 with between 10 and 21 months to repay the funds. These are more costly than NetCredit's personal loans, with rates ranging from 149% to 399%. And while the short loan terms and lack of prepayment penalties can help you save on the high interest rate, it also means your monthly payment might be higher than it would be with NetCredit. Integra only serves some states, so check to make sure it's available where you live before you apply.
Loan Amount $500 - $3,000
APR 149% to 399%
Turnaround time Within minutes
  • Available in: Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah, Wisconsin

Alternative for good credit borrowers

Best Egg personal loans

8.5 Great

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Best Egg is an online lender that requires a minimum credit score of 640 to qualify. Its interest rates are lower than NetCredit's, and its origination fees range from 0.99% and 9.99%. And it might be more difficult to qualify with Best Egg if you're still building your credit profile.

Because Best Egg relies on more traditional underwriting criteria than NetCredit, borrowers with at least three years of credit history may have an easier time qualifying with this lender. And as with many personal loan providers, it may be difficult to qualify if you're self-employed.

Min. credit score 640
APR 6.99% to 35.99%
Loan amount $2,000 to $50,000
  • Not available in: Iowa, Vermont, West Virginia

Alternative for self-employed borrowers

Avant personal loans

6.8 Standard

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Avant is a personal loan provider with slightly higher credit requirements than the other lenders on this list. But if you make its 550 credit score minimum, you could qualify for relatively low rates with a turnaround as fast as one business day. It's one of a handful of lenders that accepts self-employed income and is available in 46 states. Plus, with rates starting at 9.95% APR, you may not find a better deal elsewhere if you have good credit.
Min. credit score 550
APR 9.95% to 35.99%
Loan amount $2,000 to $35,000
  • Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

Alternative for credit building

Cleo

8.2 Great

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Cleo is a cash advance app that, unlike NetCredit, provides interest-free advances up to $250. It also offers a credit building card to help boost your credit scores. To access both cash advances and the secured card, you'll need to subscribe to the Cleo Credit Builder Plan for $14.99 a month. Unfortunately, first-time users of the cash advance feature can only access up to $100, but using the secured card can unlock higher borrowing limits. But, with a maximum advance of only $250, borrowers who need more than that may want to consider loans like NetCredit or other lenders on our list.
Loan Amount $20 - $250
APR 0%
Turnaround time 3 to 4 days or instant for a fee.
  • Available in all states

How does NetCredit compare?

NetCredit is suited for borrowers with less-than-perfect credit, like many of the alternatives we mentioned. However, you may be able to get better rates elsewhere — or at the very least, it’s worth a shot to check your rates with other providers. NetCredit’s APR offerings range from 34% all the way up to 99.9%, though they do vary by state and some states are capped at 36%.

Alternative for a close match to NetCredit

OppLoans Installment Loans

9.4 Excellent

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OppLoans is the most similar provider to NetCredit on this list. It's a short-term lender that offers installment loans as low as $500 with no minimum credit score. And it can help improve your credit score by reporting on-time repayments to all three major credit bureaus. But its minimum and maximum interest rates run higher than NetCredit, at 129% to 195%. And while it works in a few more states than NetCredit, OppLoans isn't available everywhere.
Loan Amount $500 - $5,000
APR 129% to 195%
Turnaround time As soon as the same business day
Online application Yes
  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia

Pros

    Quick turnaround time
  • Flexible repayment options
  • Fair credit OK
  • No early repayment fees

Cons

  • High interest rates
  • Lower max loan amount in some states
  • Not available in 13 states

Methodology: How we rated these lenders like NetCredit

We compared dozens of lenders that offer short-term financing, including installment, personal loan and cash advance providers. In determining our best picks, we looked for unique perks, considered each lender’s reputation and crafted categories to suit a wide range of borrower situations.

Each lender is weighed against 12 metrics including:

    • Available discounts
    • Better Business Bureau ratings and reviews
    • Credit score requirements
    • Credit reporting
    • Interest rates
    • Loan terms offered
    • Number of states served
    • Origination fees
    • Prepayment penalties
    • Trustpilot ratings and reviews
    • Turnaround time
    • Work and income requirements

Finder also maintains strict editorial integrity and independence. Our content and suggestions are fair, accurate and trustworthy, and our advertisers or partners don’t influence our opinions. To learn more, check out our editorial guidelines.

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