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6 installment loans like NetCredit

Not sure about NetCredit? Here are some alternate providers that might work for you.

Updated

Fact checked

Editor's choice: Avant personal loans

Avant personal loans logo
  • Typically fast approval.
  • Prepay your loan without additional fees.
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NetCredit offers unsecured personal loans of up $10,500 that could help you rebuild your credit. But while it’s a good choice for some, there are a variety of similar lenders that offer loans in more states or for more money. Browse your options below.

Pros

  • Quick turnaround time with flexible repayments.
  • Fair credit OK.
  • No early repayment fees.

Cons

  • Low maximum loan amount.
  • Only available in 14 states.
  • Stiff late fees could apply.

Prosper logo

1. Prosper

A peer-to-peer lender, Prosper could get you up to $40,000 to consolidate your debt, start a business, improve your home and more. And if you need money to cover medical expenses, Prosper has options for you.

Pros

  • Simple terms lasting between 3 years to 5 years years
  • Low starting APRs
  • Variety of loan purposes

Cons

  • Loans capped at $40,000.
  • Offers only two loan term options.
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lendingclub logo

2. LendingClub

Apply for an unsecured personal loan of up to $40,000 with LendingClub. You can apply with a cosigner, and loans are available in 48 states.

Pros

  • Fixed rates
  • No prepayment penalties
  • Fast and simple application

Cons

  • Higher rates for poor credit borrowers
  • High potential origination fee
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Upstart logo

3. Upstart

This newer peer-to-peer lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans. And unlike some other options, you can borrow as little as $1,000 if you only need a small amount.

Pros

  • Good for younger borrowers with limited credit history
  • Offers a variety of loans through one simple application
  • No fees for early repayment

Cons

  • High origination fees rolled into loan
  • Not the lowest starting APR in the market
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sofi logo

4. SoFi

If you have a good to excellent credit score, SoFi can get you fast funding with low interest rates and no fees. Along with your loan, you’ll also get access to some of SoFi’s events and career coaching.

Pros

  • High maximum loan amount of $100,000
  • Free credit counseling and unemployment protection
  • No fees

Cons

  • Lower approval rate than other lenders
  • Strict eligibility requirements
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OneMain logo

5. OneMain Financial

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes. This is a direct lender, not a peer-to-peer service, so you’ll be funded directly by the lender when you apply.

Pros

  • Offers both secured and unsecured loans.
  • Allows joint applications.

Cons

  • Higher APRs than competing lenders.
  • Origination fees vary by state.
  • Low maximum loan amount.

Avant logo

6. Avant

Avant offers personal loans with funds deposited into your account as soon as the next business day after approval. You may face higher interest rates, but you won’t need a high credit score to apply — applicants with scores of 580 are accepted.

Pros

  • Reports to the three major credit bureaus.
  • Quick approval and funding.
  • No prepayment fees or penalties.

Cons

  • Potentially high origination fees.
  • Not be available in every state.

See how other top providers compare to different lenders by checking out A-to-Z directory.

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