6 Loans Like NetCredit

Best Egg is an online lender offering loans up to $50,000. Its interest rates may be lower than Netcredit with maximum interest rates topping out 35.99%. Customer reviews speak highly of this lender for its stellar customer service. But, because Best Egg relies on more traditional underwriting criteria, borrowers with at least three years of credit history may have an easier time qualifying with this lender.

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg is an online lender offering loans up to $50,000. Its interest rates may be lower than Netcredit with maximum interest rates topping out 35.99%. Customer reviews speak highly of this lender for its stellar customer service. But, because Best Egg relies on more traditional underwriting criteria, borrowers with at least three years of credit history may have an easier time qualifying with this lender.

• Pros and cons

  Pros

  • Excellent customer reviews
  • Funding as soon as next business day
  • No prepayment penalty

  Cons

  • Not available in all states
  • Charges origination fees

• More details

  Loan amount	$2,000 to $50,000
  APR	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	3 to 5 years

• Partner terms and conditions

  *Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc.
  
  The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001.
  
  For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL–Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Credible offers borrowers a way to compare prequalified rates from several personal loan lenders with one application. This way, you have a better shot at finding a loan with lower rates and terms without impacting your credit score. Loan offers can range from $1,000 to $200,000 and rates top out at 35.99%. Your terms vary by lender, but its site mentions that some lenders accept borrowers with bad credit.

• Available in all states

• Why we like it

  Credible offers borrowers a way to compare prequalified rates from several personal loan lenders with one application. This way, you have a better shot at finding a loan with lower rates and terms without impacting your credit score. Loan offers can range from $1,000 to $200,000 and rates top out at 35.99%. Your terms vary by lender, but its site mentions that some lenders accept borrowers with bad credit.

• Pros and cons

  Pros

  • Offers best rate guarantee
  • Funding as soon as one day
  • Compare multiple lenders at once

  Cons

  • Not a direct lender
  • Some complaints around customer service

• More details

  Loan amount	$1,000 to $200,000
  APR	6.94% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Fair to excellent credit
  Turnaround Time	As soon as 1 business day
  Loan Term	Varies by lender

• Partner terms and conditions

  Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99% APR with terms from 12 to 120 months. Credible also works with network Partners like MoneyLion, AmONE, Alternative Providers, and non-lender providers who offer loan and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties

While Earnin doesn't offer personal loans, it may be a good option if you're needing a smaller loan to get you by. EarnIn's cash out feature lets you borrow up to $750 of your earned wages before payday. You won't have to pass a credit check or pay interest with this option. However, you need to be employed and receive regular direct deposits. You can get an advance for free within one to three business days, or in minutes for a fee.

• Not available in: Connecticut

• Why we like it

  While Earnin doesn't offer personal loans, it may be a good option if you're needing a smaller loan to get you by. EarnIn's cash out feature lets you borrow up to $750 of your earned wages before payday. You won't have to pass a credit check or pay interest with this option. However, you need to be employed and receive regular direct deposits. You can get an advance for free within one to three business days, or in minutes for a fee.

• Pros and cons

  Pros

  • No credit check
  • No interest
  • Option for near instant borrowing

  Cons

  • Requires verification of employment earnings
  • Can only qualify with employment income
  • Instant transfers cost a small fee

• More details

  APR	0%
  Loan amount	Up to $150/day, with a max of $750 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

• Partner terms and conditions

  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. Expedited transfers available for a fee. Visit Earnin.com for full details.

• Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia

• Why we like it

  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 160% to 195%. And while it works in a few more states than NetCredit, OppLoans isn't available everywhere.

• Pros and cons

  Pros

  • No minimum credit score
  • Loans start at $500
  • Reports to three major credit bureaus

  Cons

  • Higher APRs than NetCredit
  • Must have a bank account at least 90 days old
  • Must receive income by direct deposit

• More details

  Loan amount	$500 - $4,000
  Interest rate type	Fixed
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day.

• Available in all states

• Why we like it

  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.

• Pros and cons

  Pros

  • Helps to build credit
  • Use of secured card unlocks higher advances
  • No credit checks or interest charges

  Cons

  • Smaller loan amounts than NetCredit
  • Charges $3.99 for express transfers
  • First-time users only eligible for up to $100

• More details

  Loan amount	$20 - $250
  Interest rate type	Fixed
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Brigit is a financial wellness app that offers small cash advances on your next paycheck, in addition to a number of other services to build your credit and help you save. You can request advances as needed or sign up to have Brigit automatically advances funds when it looks like you're about to overdraft your account — saving you on overdraft fees.

There's no cost for standard transfers (one to three days), but you'll need to sign up for a monthly membership to qualify for an advance. The $8.99 to $14.99 monthly membership fee to $14.99 monthly price tag means that it may not be worth it unless you regularly need a small amount of cash to cover expenses between paychecks. You can also only borrow up to $250 per pay period, so skip this option if you need more funds.

• Available in all states

• Why we like it

  Brigit is a financial wellness app that offers small cash advances on your next paycheck, in addition to a number of other services to build your credit and help you save. You can request advances as needed or sign up to have Brigit automatically advances funds when it looks like you're about to overdraft your account — saving you on overdraft fees.

  There's no cost for standard transfers (one to three days), but you'll need to sign up for a monthly membership to qualify for an advance. The $8.99 to $14.99 monthly membership fee to $14.99 monthly price tag means that it may not be worth it unless you regularly need a small amount of cash to cover expenses between paychecks. You can also only borrow up to $250 per pay period, so skip this option if you need more funds.

• Pros and cons

  Pros

  • No cost for standard transfers
  • Overdraft protection
  • Helps you save and build credit

  Cons

  • Monthly membership fees
  • No advances over $250

• More details

  Loan amount	$50 - $250
  Interest rate type	Fixed
  Loan Term	Until your next payday, but can extend
  Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.