Installment loans for borrowers with damaged or minimal credit history.
Get started at NetCredit (a product of Enova International) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Borrowers with very low FICO (below 580) or limited credit history who have been declined by other lenders in this list.
NetCredit — Installment loans for borrowers with damaged or minimal credit history. Best for: Borrowers with very low FICO (below 580) or limited credit history who have been declined by other lenders in this list.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
NetCredit is positioned for borrowers with very low FICO scores (below 580) or limited credit history who have been declined by other lenders. It states no minimum FICO and emphasizes non-traditional underwriting factors beyond your credit score, so it can be an option when prime-market lenders turn you down.
NetCredit states no minimum FICO and says it weighs non-FICO factors when reviewing applications, which is why it accepts damaged or thin credit profiles. Because it does not publish a hard score cutoff, approval depends on your overall profile — confirm directly with the lender.
Maximum loan amounts are around $10,000 but vary by state, which is lower than prime-market lenders and limits use for larger consolidations. After approval, standard ACH funding typically arrives in 1 to 2 business days.
NetCredit's APR caps vary significantly by state, and in states with less restrictive rate limits the APR can be high. There is no single published rate — verify your state's maximum on NetCredit's rates-and-terms page before applying. ClearValue is a financial-decisions platform, not the lender, so always confirm figures with NetCredit directly.
Availability and APR both vary by state, and NetCredit does not operate everywhere. It is available in some states where other subprime lenders do not, but you should check that it serves your state before starting an application. The application is fully online with no branch visit required.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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