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6 loans like NetCredit

These sites offer personal loans online, accept bad credit and can boost your credit score.

NetCredit is one of the few online lenders that offers installment loans that can improve your credit score for people with bad credit, since it reports 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 155% 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 a close match to NetCredit: OppLoans
  • For bad credit but otherwise strong finances: Stilt
  • For repeat borrowers: Lift Credit
  • For secured loans: OneMain
  • For self-employed borrowers: Avant
  • For starting to build your credit: Upstart

Alternative for a close match to NetCredit

OppLoans Installment Loans

4.4 / 5 ★★★★★

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 the three major credit bureaus. But its minimum and maximum interest rates run higher than NetCredit. And while it works in a few more states than NetCredit, OppLoans isn’t available everywhere.
  • Not available in: Colorado, Connecticut, Georgia, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, South Dakota, Vermont, West Virginia
  • No minimum credit score
  • Loans start at $500
  • Reports three major credit bureaus
  • Higher APRs than NetCredit
  • Must have a bank account at least 90 days old
  • Must be paid with direct deposit to qualify
Loan amount$500 - $4,000
Interest rate typeFixed
Loan Term6 to 18 months
Turnaround time1 business day

Alternative for bad credit but otherwise strong finances

Stilt personal loans

4 / 5 ★★★★★

Stilt is an online lender that specializes in financing new immigrants and nonresidents. It offers some of the lowest interest rates available for any personal loan provider — and has no minimum credit score requirement. But the rest of your finances must be in top shape to qualify — like spending, savings and monthly cash flow. That makes this provider a better option if you lost points on your score because of a one-time event.
  • Only available in: Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, Pennsylvania, Texas, Utah, Washington, Wisconsin
  • Low APRs of 7.99% to 15.99%
  • No minimum credit score
  • Loans as high as $25,0000
  • Only available in 16 states
  • Savings and spending factor into your application
  • Savings and spending factor into your application
Loan Amount$1,000 to $35,000
APR7.99% to 15.99%
Interest Rate TypeFixed
Min. Credit ScoreNot required
Turnaround Time2 to 3 business days
Maximum Loan Term3 years
Minimum Loan Term0.5 years

Alternative for repeat borrowers

Lift Credit Installment Loans

Lift Credit offers installment loans up to $2,500 and has some of the highest rates on this list — the first time around. But repeat borrowers can qualify for up to 100 points off their next interest rate, making it a relatively cheap alternative to other installment loan providers. But if you’re in need of regular installment loans, consider credit counseling first. Taking on high-interest debt can often worsen your financial situation and lower your credit score.
  • Only available in: Idaho, Missouri, Utah
  • Loans as low as $100
  • Interest rate discount for repeat borrowers
  • Free online resources to help improve your credit
  • APRs as high as 450% on your first loan
  • Only available in Idaho, Utah and Wisconsin
  • Short repayment terms of 3 to 12 months
Loan amount$100 - $5,000
Interest rate typeFixed
Loan Term3 months to 1 year
Turnaround time1 business day

Alternative for secured loans

OneMain Financial personal loans

3.4 / 5 ★★★★★

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 providers on this list that isn’t fully online. You have to visit a branch to sign your loan documents.
  • Not available in: Alaska, Arkansas, California, Connecticut, Massachusetts, Michigan, Rhode Island, Vermont
  • No minimum credit score
  • Secured and unsecured loans
  • No APRs above 35.99%
  • APRs start at 18%
  • Origination fees as high as 10%
  • Requires branch visit
Loan Amount$1,500 to $20,000
APR18% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreVaries
Turnaround TimeAs soon as the same day
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for self-employed borrowers

Avant personal loans

3.45 / 5 ★★★★★

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 available in 46 states. But with rates starting at 9.99% APR, you still might find a better deal elsewhere if you have fair credit. It also recently settled a lawsuit from the FTC over the way it processed repayments.
  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
  • Accepts self-employed income
  • Minimum credit score of 580
  • Maximum APR just slightly higher than NetCredit&rsquo
  • s minimum
  • Higher starting rates than other personal loan providers
  • Recent FTC complaint
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 Term5 years
Minimum Loan Term1 year

Alternative for starting to build your credit

Upstart personal loans

4.15 / 5 ★★★★★

This fair credit lender emphasizes your education and work experience over credit history. This makes it a particularly good choice if you just started building your credit. Its interest rates stop a few points higher than where NetCredit’s rates begin. But it charges a higher-than average origination fee than most personal loan providers. And it’s not great if you want to consolidate high-interest debt — it won’t send the funds to your creditors.
  • Not available in: West Virginia
  • Factors in education and career for a lower rate
  • Accepts credit scores as low as 580 in some states
  • Origination fee as high as 8%
  • Not high starting APR compared to other personal loans
  • Not ideal for debt consolidation
Loan Amount$1,000 to $50,000
APR5.6% to 35.99%
Interest Rate TypeFixed
Min. Credit Score300
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

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 – 2 of 2
Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

How does NetCredit compare?

NetCredit is more 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 19.9% all the way up to 155%, though they do vary by state.

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


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


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

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