Applicants may receive an offer for either a personal loan, a line of credit or both

Information About Fees & Charges

10% of each Cash Advance, which will be deducted from the amount you request and the remaining Advance Proceeds are delivered to you.

The Statement Balance Fee assessed each Billing Cycle will vary based on your Billing Cycle (determined by your income frequency), your Cash Advance Balance at the end of your Billing Cycle and any Fee Saver reductions earned by making on-time payments. If your Cash Advance balance at the end of your Billing Cycle is $25 or less, you will not incur a Statement Balance Fee.

Product Features

We reward on-time payments with fee reductions through our Fee Saver feature. Each time you make a Qualifying String of Payments (12 consecutive Bi-weekly/Semi-monthly or six consecutive Monthly payments) you earn a reduction of your Statement Balance Fee.

If billed Bi-weekly/Semi-monthly, your Statement Balance Fee will be reduced after each Qualifying String of Payments by $0.40 per $100 of your outstanding Cash Advance Balance with a maximum reduction of $3 per $100 of your outstanding Cash Advance Balance.

If billed Monthly, your Statement Balance Fee will be reduced after each Qualifying String of Payments by $0.80 per $100 of your outstanding Cash Advance Balance with a maximum reduction of $6 per $100 of your outstanding Cash Advance Balance.

Payment Information

Each Billing Cycle, your Minimum Payment will include a portion of your Cash Advance Balance plus a Statement Balance Fee based on your Cash Advance Balance.

If your Billing Cycle is Bi-weekly/Semi-monthly, the Minimum Payment will equal 2.5% of your Cash Advance Balance (inclusive of Cash Advance Fee) plus the Statement Balance Fee. If your billing cycles are Monthly, the Minimum Payment will equal 5% of your Cash Advance Balance (inclusive of Cash Advance Fee) plus the Statement Balance Fee. This charge also takes into consideration any Fee Saver reductions accrued. The Minimum Payment for any period will never be less than $50 if you pay Bi-weekly/Semi-monthly or $100 if you pay Monthly unless your Account Balance at the end of the Billing Cycle is smaller, in which case your Minimum Payment will equal the Account Balance.

• Jamie applies and gets a Credit Limit of $1,500.
• Based on his pay dates, Jamie will have a Bi-weekly Billing Cycle.
• He requests an initial Cash Advance of $1,000.

• Alexis applies and gets a Credit Limit of $1,500.
• Based on her pay dates, Alexis will have a Monthly Billing Cycle.
• She requests an initial Cash Advance of $1,000.

Each Billing Cycle your Minimum Payment will include 5% (if you pay Monthly) or 2.5% (if you pay Bi-weekly or Semi-monthly) of your Cash Advance Balance plus a Statement Balance Fee based on your Cash Advance Balance. See the fee table below for the applicable Statement Balance Fee range per Cash Advance Balance.

* If you consistently make on-time payments, you may qualify for Fee Saver reductions that will entitle you to a reduced Statement Balance Fee on your Line of Credit.

Approved applications are typically funded the next business day. Applicants who submit an application before 7:00 a.m. CT Monday – Friday e business day. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding.

In AL, CA, DE, GA, ID, IL, LA, MO, ND, NM, SC, SD, UT and WI, all NetCredit loans and lines of credit are offered by a member of the NetCredit family of companies. In AK, AR, AZ, FL, HI, IN, KS, KY, MI, MN, MS, MT, NE, NJ, OH, OK, OR, RI, TN, TX, WA and WY, all NetCredit loans and lines of credit are underwritten by, approved by and funded by Republic Bank & Trust Company, Member FDIC. All loans and lines of credit will be serviced by NetCredit.

CA residents: NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit is licensed by the Department of Financial Protection and Innovation. Loans made pursuant to a California Financing Law license (License No. 603K020).