NetCredit Personal Loans Reviews

1.6 out of 5 stars
18 Reviews

From Borrowers in the last year


Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

1.5 5

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Most Helpful Positive Review

Oct 07, 2012
Pay Them Off Quickly
jbrzr3 Borrower

As with all payday loans, they will get you with interest if you don't pay it off right away. I have borrowed from netcredit three times so far. Each time, I've had nothing but good experiences. Why? I pay it off quickly. Do not take out these types of loan if you can't pay it back in a short period of time. If you use the whole repayment term, you will end up giving back double what you borrowed. Otherwise, these can be great loans for those unfortunate budget mistakes and unexpected last-minute bills. The customer service is better than most lenders I've worked with. They are legit. And they will treat you good if you pay them back in a timely manner.

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Most Helpful Negative Review

Nov 05, 2016
Contact your State Attorney General
Anonymous Borrower

please stay away from this company they do not follow usery State laws. If you have or had a loan with NetCredit and it was not a positive experience contact your State Attorney General and provide them with a copy of your contract. The state attorney generals are in the process of banning NetCredit from doing business in thr US

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These reviews were written by current and former borrowers in the last year.

May 02, 2017
Anonymous Borrower

The absolute worst customer service I have ever seen. If your lucky enough to get someone on the phone, apparently they have no power to make any changes to your account even something as simple as a phone number or an email...seriously?? And when I asked to speak with a manager I was put on hold and then it came back and told me that the manager gave the same answer that he did, instead of picking up the phone and being a good manager in speaking to me they chose to completely disregarded me! I would love to know whose name it was, but they never came back on the line...the worst.

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Mar 25, 2017
Excessive interest rate

Excessive rates and fees but simple process, they tell you up front (if u take the time to read) what you are getting into and those truly excessively high rates and fees. But for those of us who gotta do what we gotta do, this was the site to do it. Take the reasonable loan that you can reasonably payback at a payment amount and length of time , that is reasonable for you financially.. dummy. Just be wise and always remember why you are having to go these avenues to begin with.

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Feb 26, 2017
Anonymous Borrower

Don't do it!!! Highway Robbery

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Feb 26, 2017
Don't Do It!!!!!
Bnkrollonme Borrower

Saw the APR for this loan which was 33% - I wouldn't touch that money with gloves on!!! Lol

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Feb 26, 2017
All I want is a payment date change
Anonymous Borrower

Do not use this company under any circumstances They discriminate against helping disabled people they don't care they don't want to hear anything they tell you everything you want to hear when you borrow their money but don't give a s*** and helping you after the fact I talked to three supervisors 

And after I talk to the last one on the 16th well that Night You guys debited my account.

what the hell happened there 

you can't change the dates to help me

 but you change the date to help your self for some reason

 I wasn't even supposed to be debited Till the 20th

and I got charged You guys are pieces of f****** s***

All I want is to have One debit per month Not two Because it charges me fees for the first one on the 5th 

I just need them both taken out of the 20th and not saying I can't pay I'm not saying I don't want to pay itThat's been my whole argument for the last month I've been trying to get the schedule changed since you don't want to work I'm going to have to do another way I'm going to contact Better Business Bureau and I'm going to contact my bank and I know you know where this is going have a nice day you either change the dates for me and someone better call me within the next hour and make it happen or within the next 2 hours I'll be on my way to the bank in person to stop off for the Chargers from you and I will be paying by check every month on the 20th  In the amount of $282. And whatever change and there won't be a God **** thing you can do it on my credit report cuz I'm going to get to date change to One debit per month one way or the other...

Okay so now explain to me why you treated a disabled person this way by taking the money out on the 16th if my payment is on the 20th what can you explain to the people how you treated a disabled person that way but yet you won't change my payment schedules to one you just change them to suit yourselves for is something or what I'd like to know what's up with your company you just do whatever you want to see your needs I'm paying you regardless of its two payments or one I'm just putting myself all the fees because you set it up the way you wanted to

I mean according to this email my payment shouldn't have even been taken to the 20th according to the next email corporate you're screwing disabled people

Returning Customer? Log In 

Dear Michael, 

Account #: 9461798 

Thank you for your recent payment to loan 2016CA702465976. Your ACH payment in the amount of $149.41 and effective on Feb 17, 2017 has been applied to the balance of your loan. 

Please note that if your payment is returned for any reason, this receipt will be considered null and void. 

If you have any questions or concerns, our Customer Support Team is available Monday - Friday, 8am - 8pm CT and Saturday - Sunday, 9am - 5:30pm CT at (877) 392-2014. 

Be sure to contact us at least two business days before your due date to request any changes to your account. 

You can also sign in to view your account details online at any time. 


The NetCredit Customer Support Team 

Phone: (877) 392-2014 


Fax: (855) 878-1068 

To ensure delivery of important updates from NetCredit please take a moment to add to your email address book. 

We want to hear your feedback! Please take a moment to tell us how we're doing on our Trustpilot review page or by sending an email to 

Home  |  How It Works  |  FAQ  |  About Us  |  Contact Us

NetCredit, 175 W Jackson Blvd, Suite 1000, Chicago, IL 60604

Privacy Policy  |  © 2012 NetCredit LLC. 

Dear Michael,

Account #: 9461798

Thank you for contacting NetCredit.

Please accept this as our response to your schedule adjustment request. Upon investigation, it appears that your original pay-dates fell on the 5th and the 20th of the month. Although you have supplied sufficient documentation to support your updated income frequency, due to systematic limitations we are not able to honor your request for a complete schedule adjustment. 

Unfortunately, we will not be able to adjust your payment schedule. However, you are able to adjust due dates individually by contacting our Customer Support Team at least two business days before your due date.

NetCredit strives to provide the ultimate customer experience. If you believe that we are mistaken as to any of the investigation details, please contact us and let us know; we would be delighted to review your concern or any updated documents you may have for us.

Please be sure to contact our Customer Support Team at least two business days before your due date to request changes to your account. If you have any questions or concerns, our Customer Support Team is available Monday – Friday, 8am – 8pm CST and Saturday - Sunday, 9am-5:30pm at (877) 392-2014. You can also sign in to view your account details online at any time.


The NetCredit Customer Support Team

Phone: (877) 392-2014


Fax: (855) 878-1069

We want to hear your feedback! Tell us how we’re doing by sending an email to

Sent on the new Sprint Network

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Feb 19, 2017
raillo12334 Borrower

Interest rates shouldn't be double my age!! I wish I could give these scam artists 0 stars.

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Feb 04, 2017
Bad News
Anonymous Borrower

NETCREDIT PRACTICES UNFAIR LENDING ORACTICES AND WILL RUIN YOUR CREDIT. Be careful try and make large payments to reduce ur balance as the over charge u. They are not practicing fair lending at all. And are rip off merchants. Buyer beware!!!

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Feb 03, 2017
Find better.
Anonymous Borrower

Yea you do get approve but find better. This is the cheapest one out that. just dont

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Dec 13, 2016
Anonymous Borrower

They are a rip off. 59%interest rate

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1 Reply
Jun 19, 2017

How about over 90% interest rate

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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.