Frequently Asked Questions

At NetLoanExpress, we understand that financial needs vary from user to user. Our network of lenders provide both cash advances and installment loans. Cash advances are ideal for short term financial emergencies, such as cases where additional cash is needed before payday. Installment loans, also known as Personal Loans, are usually meant for larger expenses, like unexpected medical bills, auto repairs, or large purchases. If you are carrying a large amount of debt from older loans, a Personal loan can be used to consolidate your payments into one easy monthly payment.

Users can request for a loan between $100 and $5,000. The amount you receive is dependent on a number of factors, including your state of residence, income, employment and credit history. In the event that we are not able to connect you with a lender for a certain loan amount, you may still be eligible for a lower amount. Simply follow the instructions provided on our form to request a lower amount in real-time.

Once you submit your loan request, our loan engine automatically begins connecting you with a lender based on the information you provide. If a lender is found, you will be notified on our site in real-time. You will then be directed to your lender's site for instructions on how to finalize your loan. If we are unable to connect your loan request with a lender, we will direct you to additional options to help address your financial needs.

Although credit is one aspect of your loan request that is assessed, our lenders consider a broad range of criteria to determine your eligibility - including your personal information, employment situation and state of residence. We work with lenders that provide loans for those with excellent credit, average credit or poor credit. Even if you are in the process of rebuilding your credit, you can still qualify for a loan.

Once your loan request is connected, you are required to review and e-sign your lender's loan agreement. After completing the loan process, funds will be direct deposited into your bank account. Deposit times are typically as quick as the next business day. Please note that deposit times may vary based on personal eligibility.

Cost of borrowing varies and is based on a borrower's personal eligibility for a loan. Your lender will present their interest rate and repayment terms for your review. Remember, no loan is issued unless you electronically accept the rate and repayment terms.

The amount of time given to repay your loan typically depends on the type of loan you are connected with. Installment loans are paid back over the course of multiple payments, usually between 12 to 60 months. Cash advances are considered short-term loans, and are usually required to be paid back on your next payday.

Most lenders offer loan extensions and alternative repayment options during special circumstances. We recommend that you contact your lender directly to discuss the options available to you.

NetLoanExpress accepts loan requests 24 hours a day, 7 days a week. Our network of lenders is open at all times, unlike conventional banks that are only open during business hours. Once you are connected, you will receive instructions on how to finalize your loan with your lender.

NetLoanExpress utilizes industry standard security protocols and enhanced 256-bit data encryption to ensure that your information is safe and secure while using our site.

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