NetCredit Personal Loan — NetCredit family of companies, or Quill Bank / Republic Bank & Trust Company in partner-bank states is a personal loan from NetCredit family of companies, or Quill Bank / Republic Bank & Trust Company in partner-bank states. The ongoing APR is 34.99%-99.99% (varies by state). Typical credit limit: up to $10,000. Loan terms: 6-60 months (varies by state). Soft-pull pre-qualification is available — no hard inquiry to check approval odds.