NetCredit offers smaller loan amounts, so this lender may be good for you if you need an emergency loan for car repairs or another unexpected bill. The NetCredit loan process is entirely online. Application, closing and account management can be done using your NetCredit Login.
However, if you a borrower looking for information on how to access and manage your NetCredit loan account online, how to manage your online account preferences or how to repay your loan, this post will help you. You will learn every necessary things you need to know about NetCredit and how it works.
What You Need To Know About NetCredit
NetCredit is an online lender that offers personal installment loans with high interest rates to borrowers with bad credit. Loan amounts are from $1,000 to $10,500, depending on the state. Borrowers may also qualify for a NetCredit line of credit from $500 to $4,500. Loan limits are determined by the borrower’s credit history and the state in which the borrower lives.
NetCredit is best for those with poor credit who need emergency funds that they cannot get from any other source. A NetCredit line of credit could enable those in need of emergency cash to borrow as they need it and minimize the cost of borrowing.
Borrowers also have online account access on the NetCredit website, where they can update their account profile settings as necessary. Those with a line of credit can also request a cash advance through their online account. Borrowers in need of assistance with other issues will need to reach out to support via email or by phone.
NetCredit Login Steps
In order to manage your NetCredit borrower account online, you have to log in to your online account or in the app. The NetCredit login process for the is very simple. You must have your username and password to access your NetCredit online account. Those who don’t have their login credentials, have to register first. If you already have your login credentials, then simply follow these simple instructions to access your NetCredit online account.
Step 1: Go to the NetCredit Login page: https://www.netcredit.com/signin
Step 2: Upon reaching the NetCredit login page, provide your email and password in the blank spaces below and then press “Sign In”. If the particulars entered are correct you will also be taken to your account dashboard.
If there have been multiple unsuccessful attempts to sign into your account, they will temporarily suspend your online account access for your security. They will send an email with instructions to the email address they have on file for your account.
If you were locked out because you forgot your username and/or password, no worries! they’ll help you set a new password for your security. Here’s how:
- Click on Sign In in the top right corner of the site.
- Click on the “Forgot password?” link.
- Enter your email.
- Check your email for instructions on how to set a new password.
How To Repay Your NetCredit Personal Loan or Line of Credit
At NetCredit, they believe it’s important to offer easy and convenient ways to pay back your loan or line of credit. NetCredit offer electronic fund transfer (EFT) as a recurring payment option (AutoPay) so you never have to worry about forgetting a due date.
When you apply for a personal loan or line of credit, you’ll have the opportunity to select AutoPay as your preferred option. If you do not want to make payments by recurring EFT, they also offer paper check as a repayment option.
For one-time payments, they accept debit card, prepaid card, paper check, money order, one-time EFT, MoneyGram and Western Union. Please review details about each payment method, including cutoff times below:
1: Recurring ACH (EFT – AutoPay): This is the most popular repayment method for many customers. ACH stands for Automated Clearing House and is a form of electronic debit. They electronically debit your bank account for your regularly scheduled payment; debits are timed to coincide with your due dates.
You must set up AutoPay or make changes to your AutoPay payment before 6 p.m. Central Time (CT) on the day before your payment due date. For example, if your payment is due on January 5, you must set up or make changes to your AutoPay payment before 6 p.m. CT on January 4. Typically, you will see the debit go through within two business days of your due date, but check with your financial institution for details on their ACH practices.
2: Debit Cards and Prepaid Cards: Debit cards and prepaid cards are accepted for one-time payments by calling Customer Service during their hours of operation (Monday – Friday 8 a.m. – 8 p.m. and Saturday – Sunday 9 a.m. – 5:30 p.m. CT) and will be credited and applied the same day.
For example, if your payment is due on January 5, your debit card payment must be made on or before January 5 during the hours of operation.
If you have a NetCredit personal loan you may also make one-time debit card payments by logging into your account with a card on file.
3: Paper Check or Money Order: NetCredit must receive your paper check or money order payment before each contractual due date. You will need to send payment to:
Dallas, TX 75320-6766
IMPORTANT: Account ID or Account Number and Customer Name must be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your check or money order before your scheduled due date.
When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.
When they use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back from your financial institution. For inquiries, please call (877) 392-2014.
Other Repayment Methods
You can always change your preferences during the life of your loan. Additional options include sending us a MoneyGram or Western Union payment. If you are making a payment through MoneyGram, you can search for NetCredit or find us using receive code 10322.
If you are sending a sending a physical Western Union payment, please send payments to:
P.O. Box 206766
Dallas, TX 75320-6766
IMPORTANT: Account ID or Account Number and Customer Name should be included with payment. All payments received by 4 p.m. CT will be credited and applied to your loan the same day. Payments received after 4 p.m. CT will be processed and applied the next business day. Please ensure NetCredit will receive your payment before your scheduled due date.
Please note that these options are not recurring, so you will need to schedule your payment in advance of each contractual due date. Call NetCredit customer service at (877) 392-2014 for more details about your account or on how to set up a payment.