NetCredit provides installment loans up to $10,000, offering a solution for larger expenses with flexible repayment terms ranging from 6 to 60 months. They cater to borrowers who may have less-than-perfect credit, and their application process is entirely online. Approval and funding can be quick, with funds available as soon as the next business day. The interest rates and fees vary by state and the borrower's creditworthiness. While they do consider applicants with lower credit scores, the APR can be high, reflecting the increased risk. NetCredit also reports to major credit bureaus, which can help borrowers build their credit history if they make timely payments. However, borrowers should be cautious of the potential for high interest rates and ensure they understand the terms before accepting a loan to avoid unexpected costs.