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6 Loans Like NetCredit

These sites offer loans online, may accept bad credit and some help boost your credit score.

Anna Serio's headshot
Lacey Stark's headshot

By

Anna Serio

&

Lacey Stark

Edited by

Holly Jennings

Updated

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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 six loans like NetCredit. And we recently updated this page with more lower-cost options for bad credit borrowers. Consider these alternatives before you apply to make sure you get the best deal.

Our 6 top picks for loans like NetCredit

For fair credit

Best Egg personal loans

3.8 / 5 ★★★★★

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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
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/
Pros
  • Excellent customer reviews
  • Funding as soon as next business day
  • No prepayment penalty
Cons
  • Not available in all states
  • Charges origination fees
Loan amount$2,000 to $50,000
APR7.99% to 35.99%
Interest Rate TypeFixed
Min. credit score640
Turnaround TimeAs soon as the next business day
Maximum Loan Term5 years
Minimum Loan Term3 years

For comparing multiple lenders

Credible personal loans

4.3 / 5 ★★★★★

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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
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
Loan amount$1,000 to $200,000
APR6.94% to 35.99%
Interest Rate TypeFixed
Min. credit scoreFair to excellent credit
Turnaround TimeAs soon as 1 business day
Maximum Loan Term10 years
Minimum Loan Term1 year

For no credit check

EarnIn

4.7 / 5 ★★★★★

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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
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.
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
Loan amountUp to $150/day, with a max of $750 between paydays
Loan Term1 to 4 weeks
Turnaround time1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

Alternative for a close match to NetCredit

OppLoans Installment Loans

4.7 / 5 ★★★★★

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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 160% to 195%. And while it works in a few more states than NetCredit, OppLoans isn't available everywhere.
  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
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
Loan amount$500 - $4,000
APR160% - 195% APR
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround timeAs soon as the same business day.

Alternative for credit building

Cleo

4.1 / 5 ★★★★★

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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.
  • Available in all states
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
Loan amount$20 - $250
APR0%
Interest rate typeFixed
Loan TermNext deposit
Turnaround time3 to 4 days or instant for a fee.

Alternative for repeat borrowers

Brigit

4.2 / 5 ★★★★★

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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
Pros
  • No cost for standard transfers
  • Overdraft protection
  • Helps you save and build credit
Cons
  • Monthly membership fees
  • No advances over $250
Loan amount$50 - $250
Interest rate typeFixed
Loan TermUntil your next payday, but can extend
Turnaround time2 to 3 business days or instant with a Premium subscription or for a fee.

Compare more personal loans for bad credit

Didn’t find what you need? Quickly compare more personal loans available in your state and credit score range.

1 - 5 of 5
Updated regularly
Product Finder Score APR Min. credit score Loan amount
Finder score
8.6 Great
7.99% to 35.99%
640
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Go to siteView details
Finder score
9.7 Excellent
6.49% to 25.29%
Good to excellent credit
$5,000 to $100,000
Borrow up to $100,000 with low rates and no fees.
Go to siteView details
Finder score
8.6 Great
6.94% to 35.99%
Fair to excellent credit
$1,000 to $200,000
Get personalized prequalified rates in minutes and then choose an offer from a selection of top online lenders.
Go to siteView details
Achieve personal loans
Money logo
Finder score
6.8 Standard
8.99% to 29.99%
620
$5,000 to $50,000
Consolidate debt and more with these low-interest loans. Cosigners welcome.
Go to siteView details
Upstart personal loans
Upstart Personal Loans logo
Finder score
8.3 Great
6.70% to 35.99%
300
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Go to siteView details
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What is the Finder Score?

The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

Read the full Finder Score breakdown

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 vary by state and some states are capped at 36%.

You can read our review of NetCredit to see if it’s a better choice for you than the alternatives.

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
Holly Jennings's headshot
To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
Anna Serio's headshot
Written by

Editor

Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY. See full bio

Anna's expertise
Anna has written 161 Finder guides across topics including:
  • Personal, business, student and car loans
  • Building credit
  • Paying off debt
Lacey Stark's headshot
Co-written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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