Netspend – Personal Loan
Netspend offers reloadable prepaid Visa and Mastercard debit cards with no credit check, direct deposit, and early payday up to 2 days early.
Applying does not obligate you to accept a loan offer.
Netspend Prepaid Card – Review 2026
Netspend is the leading US prepaid debit card provider, with more than 10 million cardholders. The card requires no credit check and no minimum balance, making it accessible to consumers who are unbanked or rebuilding credit.
Netspend Features
Cards can be loaded via direct deposit, bank transfer, or cash at 130,000+ reload locations. With direct deposit, you can get paid up to 2 days early. The card includes free mobile banking and a savings account paying 5% APY on up to $1,000.
✓ Pros
- No credit check
- Early payday
- Savings account
- Wide reload network
- No overdraft fees
✗ Cons
- Monthly fee of $9.95 (PAYG cheaper)
- Transaction fees apply
- Not a true bank account
Loan Example
Example: Pay-As-You-Go plan: $1.50 per signature purchase + monthly fees vary by plan.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident
- ✓ Valid SSN or ITIN
- ✓ Government-issued ID
- ✓ No credit history needed
Loan Features
- No credit check required
- Direct deposit 2 days early
- 5% APY savings up to $1,000
- 130,000+ reload locations
- FDIC-insured
Frequently Asked Questions
Instant after submitting your application.
The minimum amount at Netspend is $0 USD.