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NetLoanUSA Reviews: Does offer Best Next Day Loans with Legit APR Rates?

by Arthur Zuckerman

netloanNetLoanUSA is a broking service that calls itself America’s largest personal loan network. It connects loan seekers with loan lenders nationwide for free. You can visit to fill out the simple online application. Once you submit, the broking service will immediately search more than 120 banks, financial companies and cash advance lenders to find you a suitable loan amount at low interest rates. The company says it can do this in less than 90 seconds.

NetLoanUSA is ideal for those who have bad credit. The website states that even those with bad credit or no credit can get up to $1,000. You can get the amount within hours or the next business day. The cash will be wired directly to your bank account.

NetLoanUSA says it uses advanced technology to ensure your personal information is safe and secure. However, consumers need to be aware of the high APR of loans offered by lenders which can range between 391% and 782%. The company warns that short-terms loans are expensive and should be used only for emergencies and not as long-term financial solutions.

If you cannot repay your loan, the lender may:

  • Charge late fees up to $37
  • Send your account to a collection agency
  • Report your information to a consumer reporting agency, which could negatively affect your credit score
  • Offer to renew, extend or refinance your loans. Renewals may be automatic and could cause you to pay additional fees, charges and interest.

How is the lender different? stands out as the application process takes just a few minutes and you can get a loan quickly. So, you don’t have to wait hours or days to get approval. It is an ideal service for those with a bad credit score or credit history.

How to apply for a loan?

Visit to start your 7-minute application or call 877-395-0654.

Lender Details

Most recurring positive comments

  • Had a good experience with NetLoanUSA
  • Approval is fast and the loan amount is deposited quickly
  • The website is easy to understand and fill out

Most recurring negative comment

  • Interest rates are high


Loan amount: Up to $1,000

Loan Period: The repayment period is decided by the specific lender.

APR: The APR of loans offered by lenders may range between 391% and 782%

Fees and charges

Lenders may charge late fees up to $37.

Eligibility Criteria

You need a valid checking bank account and a regular pay check schedule. You also should have a Social Security Number and valid email address. Individuals must be aged 18 or over and have a valid driver license and photo ID.

There is no need to have a minimum monthly income and the current income requirements depend on the lender. Direct payday lenders may do their own checks before they loan the money. There is no need to fax documents over and bankrupt and delinquent individuals are not disqualified.

Personal and financial information required

  • Basic personal information
  • Loan amount
  • Credit rating
  • Monthly income
  • Birth year
  • Zip Code
  • Last 4 digits of your Social Security Number

Contact details

Phone: 877-395-0654
Office address: NetLoanUSA, 14545-J Military Trail # 359, Delray Beach, FL 33484

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