NetLoanUSA Payday Loans Review | Payday Loans Like NetLoanUSA | Credit Raters us-lenders
Last updated: 27th Feb 2020

NetLoanUSA Review

What happens when we’re faced with unexpected financial challenges? For such events that we can’t wait until our payday to solve, getting a quick loan is an ideal solution worth considering. 

But with the vast pool of online lenders, it’s challenging to identify the right lender for your financial needs. One legitimate platform worth checking out is NetLoanUSA

While NetLoanUSA isn’t a direct lender, it matches borrowers with suitable online lenders. It’s basically a platform with multiple lenders and operates under the Blue Global Media Company. 

Keep on reading to understand what makes this online lender unique. This review covers everything there’s to know, including the rates, repayment terms, eligibility requirements, and much more. 


Since NetLoanUSA features multiple lenders, it’s hard to say for sure what their rates and repayment terms are exactly. However, as with many online lenders, the loan rates offered by its partnered lenders vary. 

Here is a summary of its rates and repayment terms;

  • Maximum Loan amount – $1,000
  • Repayment term – depends on the lender you’re connected with 
  • Late repayment fee – $37
  • Minimum credit score – None 
  • APRs – 391% to 782%

The fees and repayment terms are bound to vary based on the lender’s policy. However, those are but the estimates to expect. 

As you can see, the rates, like with most online lenders, are expensive compared to traditional loans. It’s, therefore, wise to use these kinds of credit only in cases of financial emergencies.

Key features

NetLoanUSA is an all-purpose financial solutions platform. Whatever you want to do with the money is up to you. As well, anyone, even borrowers with poor credit profiles, can apply for a loan. 

The only disadvantage is that poor credit profiles often attract high rates of interest. However, if your credit score is poor and you need money urgently, better apply. You will be done with the application within minutes. 

When interacting in online space, it’s always important to be cautious about who you give your information to. As with NetLoanUSA, you can be assured that the information you provide during the application process is safe. The platform uses advanced technology to ensure that all your information is protected against any potential risks. 

As for the repayment terms, it will depend on the lender that you’ll be matched with. Most borrowers repay their loans within 16 days or on the next payday. As well, other lenders may have other flexible options. However, most lenders will charge you a penalty fee for late repayments. 


  • Quick application process 
  • No credit score limit 
  • No collateral 
  • Quick funding 


  • High APRs 
  • Not available in all states 


What happens if I don’t repay my loan on time? 

Most online lenders will charge a late repayments fee for missed payments. You can view your lenders’ late repayment charges on your loan contract. Some lenders also offer an extension if you’re unable to pay your loan on time. You can contact your specific lender to find out whether they have that option. 

How long does it take for my loan to be funded? 

If you qualify for a loan, a loan offer will be provided for you to sign. After you sign, you can expect to access the funds by the next business day. However, it can take longer depending on factors such as your bank policies.

How much can i borrow? 

The maximum loan amount that you can qualify for is $1,000. However, especially for first-time borrowers, it’s not guaranteed that you can be approved for $1,000. You may be eligible for a lower amount and grow the limit with time. 

What next if my loan isn’t approved? 

NetLoanUSA not approving your loan doesn’t mean it’s the end. There are numerous online lending institutions ready to solve your financial challenges. 

Eligibility Criteria

To qualify for a loan with NetLoanUSA, you must meet the following minimum requirements;

  • Be at least 18 years old 
  • Be a US resident 
  • Have an active checking account 
  • Have a regular income 
  • Have a Social Security Number 

The minimum income limit is unspecified as it depends on the lender. As well, lenders may have additional requirements that you must meet before approving your loan. 

State Availability

Because of state regulations, NetLoanUSA loan services aren’t accessible to borrowers in the following states;

  • Georgia 
  • Arizona 
  • Virginia 
  • Oregon 
  • West Virginia 

Customer support

The NetLoanUSA customer support team is attentive and ready to help. You can reach them via their email address or telephone line at 1-877-395-0654 or 1-855-364-7998. If you have specific questions about your loan, you should contact your lender customer support team. 

Application process

NetLoanUSA online application is simple and takes less than 10 minutes to complete. To apply;

Step 1 – Visit the NetLoanUSA website application page and click Apply. 

Step 2 – Enter the required information such as;

  • Your Name
  • Driver’s license number 
  • Social Security Number 
  • Date of birth 
  • Phone number 
  • Residential address 
  • Valid email address 
  • Your employment details 
  • Monthly income 
  • Next payday 
  • Bank checking account 
  • Loan amount 

Step 3 – Submit and wait for approval. The approval process takes about 90 seconds. 

Step 4 – View the loan offer and sign the loan agreement. If your loan is approved, you will be sent a loan offer. Review the offer and only sign the deal once you’re 100% satisfied with all the terms and conditions. You can request an explanation of areas that aren’t clear. 


NetLoanUSA is an excellent place to turn to for financial emergencies below $1,000. Even though your credit score is poor, you have a better chance of qualifying for a loan with NetLoanUSA vast network of lenders. 

Besides, their application process is easy, and you can receive the applied funds on the next business day. As well, no collateral is needed to apply for a loan. 

Lastly, if you qualify for a loan with one of the lenders in the NetLoanUSA platform, thoroughly read the loan agreement before signing. Know how much you will have to pay back, when, and other additional expenses associated with the loan.