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6 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 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

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 to 179%. 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
  • No minimum credit score
  • Loans start at $500
  • Reports to three major credit bureaus
  • 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
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround timeAs soon as the same business day.

Alternative for bad credit but otherwise strong finances

Integra Credit installment loans

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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 6 and 24 months to repay the funds. These are more costly than NetCredit's personal loans, with rates ranging from 99% to 299%. 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.
  • Only available in: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah, Wisconsin
  • Accepts bad credit
  • No prepayment penalties
  • Fully online application
  • Higher APRs than NetCredit
  • Not available in all states
  • No terms over 24 months
Loan amount$500 - $3,000
Interest rate typeFixed
Loan Term6 months to 2 years

Alternative for self-employed borrowers

Avant personal loans

3.4 / 5 ★★★★★

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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 580 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.
  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.
  • Accepts self-employed income
  • Minimum credit score of 580
  • Maximum APR almost equivalent to NetCredit's minimum
  • Charges an administrative fee up to 9.99%
  • Loan amounts vary by state
  • Not available in all states
Loan amount$2,000 to $35,000
APR9.95% to 35.99%
Interest Rate TypeFixed
Min. credit score580
Turnaround TimeAs soon as the next business day
Maximum Loan Term4 years
Minimum Loan Term1 year

Alternative for repeat borrowers


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
  • No cost for standard transfers
  • Overdraft protection
  • Helps you save and build credit
  • Monthly membership fees
  • No advances over $250
Loan amount$50 - $250
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 business days or instant with a Premium subscription or for a fee.

Alternative for secured loans

OneMain Financial personal loans

3.4 / 5 ★★★★★

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This lender specializes in personal loans for bad credit borrowers. It's one of the few that offers secured loans to help lower your rate. It also accepts joint applicants, which can help you qualify for a better deal. But its rates start higher than most personal loan providers and you may have an origination fee as high as 10%. It's also the only provider on this list that isn't fully online. You have to visit a branch to sign your loan documents.
  • Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
* OneMain Disclosures:

Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
  • No minimum credit score
  • Secured and unsecured loans
  • No APRs above 35.99%
  • APRs start at 18%
  • Origination fees as high as 10%
  • May require a branch visit
Loan amount$1,500 to $20,000
APR18% to 35.99%
Interest Rate TypeFixed
Min. credit scoreNot specified
Turnaround TimeAs soon as one hour
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for credit building


4.1 / 5 ★★★★★

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Cleo is a cash advance app that, unlike loans like 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
  • Helps to build credit
  • Use of secured card unlocks higher advances
  • No credit checks or interest charges
  • Smaller loan amounts than NetCredit
  • Charges $3.99 for express transfers
  • First-time users only eligible for up to $100
Loan amount$40 - $250
Interest rate typeFixed
Loan TermNext deposit
Turnaround time3 to 4 days standard transfer. Same day with $3.99 to $9.99 express 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.

Name Product Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
Best Egg personal loans
8.99% to 35.99%
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99% fixed APR
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Finder Score: 4 / 5: ★★★★★
8.49% to 35.99%
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
Happy Money
Finder Score: 3.8 / 5: ★★★★★
Happy Money
11.72% to 24.50%
$5,000 to $40,000
Pay down your debt with a fixed APR and predictable monthly payments.

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%.

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


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


  • High interest rates
  • Lower max loan amount in some states
  • Not available in 13 states
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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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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 250 Finder guides across topics including:
  • Personal, business, student and car loans
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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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