LendingTree

NetCredit is an online financial services provider located in the heart of downtown Chicago. We’re a subsidiary of Enova International, Inc., a NYSE listed company (ENVA), which gives us the expertise and resources to realize our vision and enhance our product offerings. But within the NetCredit offices, we’re actually a small, focused and, dare we say, personal team: our brilliant developers, analysts, customer support specialists and other team members are extremely dedicated to making NetCredit the best solution for our customers.

9.5 Total Score
Netcredit

NetCredit is an industry-leading online financial services lender. We are the direct lender for near-prime consumers looking to borrow a few thousand dollars, not just a few hundred. We currently offer unsecured personal loans ranging from $1,000 – 10,000, with APRs starting as low as 35%. Our application process is completely online—no in-person visit required. The form is fast, easy, and secure. Once approved, customers typically receive their funds by the next business day. We do not charge any additional fees, such as application, origination, prepayment, or late fees; customers will only pay back the loan principal and finance charge, which are clearly disclosed before the customer signs their contract. We also report payment activity to the major bureaus, so on-time payments of a NetCredit loan may help our customers build positive credit history. We’re constantly innovating and pushing boundaries as we strive to responsibly approve more customers, for more money, with lower default rates—making NetCredit the ideal choice for underbanked consumers. NetCredit currently operates in the following states: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Dakota, Utah, Virginia, Wisconsin, Georgia, North Dakota and South Carolina.

Overall Score
9.5
LendingTree

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