7+ Best Loans like NetCredit for Bad Credit

Published On January 5, 2024

At BankCreditRates, our mission is to assist you in making informed financial choices. We are committed to upholding rigorous editorial standards. Please note that this article may make mention of financial products offered by our trusted partners.

Are you in need of a trustworthy financial boost but want alternatives to NetCredit? Then, You’re at the right place! I understand the importance of finding the right lending partner that suits your unique needs. In this article, we’ll explore some fantastic loan options that are similar to NetCredit, ensuring that your financial journey is as smooth as possible.

It’s time to take control of your financial future and discover the best loans that can help you achieve your goals and dreams. Let’s get started!

List of Companies like Netcredit

OppLoans Installment Loans

opploans is the company that's similar to netcredit

OppLoans is a lot like NetCredit among the options listed here. They’re both short-term loan providers that offer installment loans starting at $500, and the good news is, they don’t require a high credit score. What’s even better is that when you make your payments on time, OppLoans reports this to the three major credit bureaus, which can help improve your credit score.

However, there are a couple of things to keep in mind. OppLoans’ interest rates, both the lowest and highest, are a bit higher than what you’ll find with NetCredit. Plus, while OppLoans operates in more states than NetCredit, it’s not available everywhere. So, you’ll want to check if it’s an option for you in your location.

Blue Trust Loans

You know, there was a time when I needed some quick cash, and Blue Trust Loans really came to the rescue. Their process was super easy. I just went to their website and applied for a loan. The best part? If you get approved, they can deposit the money into your bank account by the very next business day. That’s pretty handy, right?

If you’re not a fan of applying online, don’t worry. You can always pick up the phone and give them a call. They’ll be happy to assist you over the phone.

Now, the thing that I appreciated the most about Blue Trust Loans is their flexibility. You get up to six months to pay back the loan. And guess what? They don’t have any prepayment penalties. So, if you want to pay it off early, you can do that without any extra charges. It’s great to have that kind of freedom!

So, if you ever find yourself in need of up to $1,250 in cash and want a hassle-free solution, Blue Trust Loans is definitely worth considering. They made a difference for me, and I think you might find them helpful too.


money mutual is loans like netcredit

MoneyMutual has been helping people like you connect with trusted lenders since 2010. They’ve assisted millions of customers in securing personal loans. They’re also part of the Online Lenders Alliance, a group that promotes good practices and education in the loan industry.

The process with MoneyMutual is quick and simple. It only takes a few minutes to request an unsecured loan. Once you do, you’ll get one or more loan offers, each showing you the loan term and interest rate. The best part? Your money is often in your hands within 24 hours of e-signing a loan agreement.

Here are some highlights:

  • You can get short-term loans of up to $5,000.
  • MoneyMutual connects you with a network of lenders, making it easy to find the right loan for you.
  • Your funds can be available in as little as 24 hours.
  • Filling out the online form is a breeze and takes less than 5 minutes.
  • They’ve earned the trust of over 2 million customers, which is a great sign of their reliability.
  • They have an impressive 4.8-star overall rating from their satisfied customers.

So, if you’re in need of some extra cash and want a simple, speedy, and trustworthy loan experience, MoneyMutual could be a great option for you. They’ve been helping people for over a decade, and their track record speaks for itself. Give them a try and see if they can help you too!

Integra Credit installment loans

Integra Credit is like NetCredit, focusing on assisting folks with bad credit. They offer installment loans from $500 to $3,000, with repayment periods ranging from 6 to 24 months. 

However, these loans can be pricier, with interest rates varying from 99% to 299%. While their short loan terms and no prepayment penalties can save you on interest, your monthly payments may be higher than what NetCredit offers. 

It’s important to note that Integra Credit operates only in specific states: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah, and Wisconsin. Be sure they serve your area before applying.

If you’ve previously dealt with NetCredit or similar companies, you might find Integra Credit’s terms and rates to be in the same ballpark. However, it’s essential to compare options and check if their services align with your current financial needs and location. Always read the fine print and ensure the loan is manageable for your budget.

Lending Club

Let me share a bit about Lending Club with you. It’s not your typical personal loan company; it’s more like a matchmaker for borrowers and lenders. So, if you’re in need of some cash, Lending Club can help connect you with people who are ready to lend their own money.

Now, what’s cool is that while some personal loans might only offer you a small amount, Lending Club can go all the way from $1,000 to a hefty $40,000. Quite a range, right?

The best part is that the nitty-gritty details like interest rates and terms aren’t set in stone by Lending Club. It’s all worked out between you and the person who’s lending you the money. Although, you’ll find that the interest rates are lower compared to the ones offered by traditional lenders like banks.

Here’s another benefit– you can check out the interest rate for the amount you want to borrow without any impact on your credit score. So, you can explore your options without any worries.

Lending Club is all about making personal loans more accessible and affordable, and it’s worth considering if you need a little financial boost. So, give it a look and see if it’s the right fit for you!

CashUSA. com

Looking for the best loans like NetCredit? Your search ends here with! They connect consumers with a wide range of loan options, offering loans from $500 to $10,000 to qualified applicants.

To be eligible, all you need is a monthly after-tax income of at least $1,000. This accessible requirement makes it easy for many people to secure the funds they need. Worried about the safety of your personal information? Rest assured, employs industry-standard encryption and robust security measures to protect your data.

Here’s the best part: won’t charge you any fees when you submit a loan request. It’s a transparent process designed to put your financial well-being first.

In addition to loans, can help you find offers for credit repair, debt relief, and similar services. They’re not just about loans; they’re about improving your overall financial health.

With a 4.7 out of 5 overall rating, has a proven track record of serving satisfied customers. You can receive a loan decision in just minutes and have the funds deposited directly into your bank account. What’s more, you’re free to use the loan for any purpose, whether it’s covering bills, home improvements, or even that well-deserved vacation.

With past experiences backing their reputation, is your go-to source for reliable and trustworthy financial assistance. Don’t miss out – give them a try today!

Fintech Zoom Loan

Looking for the right online loan like netcredit? Fintechzoom is your go-to spot! They’ve got a cool loan calculator to help you figure out those monthly payments and interest costs.

Now, here’s the deal with Fintechzoom – it’s not a lender itself. Nope, it’s like your loan matchmaker. It gives you the lowdown on different lenders, but the final call is yours.

So, how does Fintechzoom do its thing? Easy peasy. You hop on their user-friendly website, check out various online lending options, and voila! Fintechzoom whips up a list of lenders just for you.

And what’s on the menu for each lender? Well, Fintechzoom lays it all out:

  • Interest Rate: That’s the chunk of change you’re shelling out for the loan.
  • Fees: Watch out for origination costs, late payment fees, and prepayment penalties – they might sneak up on you.
  • Payback Terms: How long until you’re in the clear? Fintechzoom spills the beans on the repayment timeline.
  • Customer Evaluations: Curious about what others think? Fintechzoom has got your back with client reviews for each lender.


Need a quick loan up to $5,000? Look no further! With BillsHappen®, you can fill out one simple form and unlock multiple loan options. Don’t worry about your credit score, We’ve one more company that provides best loans like netcredit.

Just have a bank account and Social Security Number ready, and you’re good to go. BillsHappen® has been featured on CNN, FoxNews, and more – a sign of its credibility.

With an impressive 4.4-star rating, BillsHappen® offers flexibility in loan amounts (from $500 to $5,000), interest rates, and loan terms. Check out their official site for all the details and terms.

Even though BillsHappen® is relatively new in the bad credit loan scene, our research confirms it’s a legit choice for connecting with lenders. Simply fill out their easy loan request form, and they’ll do a soft check on your credit history to match you with the right lender. It’s that easy – see for yourself!

We’ve covered a Billshappen loan review, you can check.


If you’re on the hunt for the best loans like NetCredit, ZippyLoan is a fantastic resource to consider. ZippyLoan gets you to with best lenders in the market, making it a secure financing even if you have a less-than-perfect credit score. There is a variable repayment period of six months to five years, and you can borrow from $100 to $15,000.

One key advantage of ZippyLoan is the lightning-fast application process. It takes just five minutes of your’s. As well as, you can customize your results to as per your specific needs. ZippyLoan then presents you with a list of lenders who are most likely to approve your loan, empowering you to make an informed choice.

ZippyLoan offers both personal and alternative loans, and the best part? Your credit score won’t be affected when you apply. No need to worry about credit inquiries impacting your financial profile.

In these uncertain times of the COVID-19 pandemic, ZippyLoan doesn’t have specific pandemic-related programs. However, if you’re facing financial hardship, you can reach out to them for a potential hardship exemption.

Avant Personal Loans

Avant is a company that gives out personal loans like NetCredit. They’re a bit pickier about who they lend to, preferring a credit score of at least 580.

If you meet this requirement, you might get a loan with relatively low interest rates, and they can approve it in as little as one business day.

Avant is one of the few lenders that consider self-employed income, and they operate in 46 states.

However, be aware that their rates start at 9.95% APR, which is not the lowest. It’s good to know that they recently had some legal issues with the FTC regarding how they handled repayments.

  • APR: 9.95% to 35.99%
  • Minimum Credit Score: 580
  • Loan Amount: $2,000 to $35,000

Just so you know, Avant doesn’t provide loans in Colorado, Hawaii, Iowa, Nevada, New York, Vermont, and West Virginia.

If you want more details or apply, you can visit their website.


In your search for reliable financial assistance like NetCredit, you’ve got some great options to explore. I’ve had my own experiences, and I’m here to help you find the perfect match. OppLoans, Blue Trust Loans, MoneyMutual, Integra Credit, Lending Club,, and ZippyLoan all offer solutions tailored to your needs, even if you have bad credit. Remember, each has its unique terms and conditions, so take your time and choose the one that is best for you. Your financial journey is in your hands – make it a smooth one!

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Secured loans are the answer. With a secured loan, you need to give the lender something valuable, like a car, a house, or even money in a savings account, as a guarantee. Because these loans are backed by valuable collateral, they are usually easier to get than unsecured loans. Additionally, they often come with better interest rates because the lender faces less risk.

No, NetCredit does not always approve people for personal loans, but your odds of approval are good since NetCredit doesn’t have strict requirements. NetCredit will even offer loans to people with bad credit, as long as they have enough income to make the payments, yet approval is never guaranteed.

Loans for bad credit are meant for folks with not-so-great credit or very little credit history. These loans usually come with higher interest rates and more rules compared to other loans. This is done by lenders to lower the chance of you not repaying them.

Well, if you have a regular income, there’s a chance! Reputable lenders, such as CreditNinja, might offer you a loan if you can show that you can make your monthly payments on schedule. Usually, your credit score is a big deal when it comes to getting a loan.

The easiest ones to get approval for include payday loans, pawnshop loans, car title loans, and personal loans without a credit check. These loans provide fast funding and have few prerequisites, making them accessible to individuals with poor credit.

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