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Problems with one's finances are not something that the majority of people anticipate or make plans for; rather, they typically appear out of the blue.

Your income can take a significant hit due to the general increase in costs, as well as specific expenses and invoices. On the other hand, these problems can be solved by employing the services of CreditNinja.

Despite the fact that there is a wide variety of alternative lenders to select from, CreditNinja guarantees quick funding and makes it possible to receive a loan even if you have poor credit.

However, CreditNinja is only able to offer loans to residents of a select number of states; if you do not live in one of those places, you will need to investigate other available options.

CreditNinja Personal Loans Overview

If you need money quickly but don't have time to physically travel to a bank or other lender, CreditNinja is a direct lender that could be a viable option for you.

If you apply in the morning and get approved, you might receive the money that day, however it usually takes until the following working day for most borrowers to receive their money.

However, it is exclusively available to people in 12 specific states. Also, you'll have to do some investigating to learn the specifics of pricing and payment plans.

CreditNinja Personal Loans Highlights

  • Loan amounts: $500 - $5,000
  • Loan types: Installment loans
  • Available states: Alabama, California, Delaware, Idaho, Mississippi, Missouri, New Mexico, North Dakota, South Carolina, Texas, Utah, Wisconsin
  • Credit check: Hard credit check
  • Minimum credit score: No minimum credit score (doesn’t check)
  • Funding time: Same-day deposit available
  • Repayment terms: 12 - 18 months
  • Interest rate: Not disclosed, estimated higher than 50%
  • Fees: Not disclosed, estimated higher than 0.5%-1% average origination fee and a late fee.
  • BBB Rating: B
  • CreditNinja transfers loan funds on a same-day basis.
  • It offers loans to those with bad credit.
  • It is a direct lender.
  • It supports many repayment methods.
  • Only available in 12 states.
  • Offers little upfront info on costs.
  • It charges origination fees.
Overall Satisfaction Rating
  • 5 star
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Bottom Line

CreditNinja offers loans that are suitable for customers with fast funding,however, it is exclusively available to people in 12 specific states.

Where CreditNinja Personal Loans Stand Out

CreditNinja transfers loan funds on a same-day basis.

CreditNinja has recommended an immediate loan approval for their customers.

Also, the vast majority of borrowers can anticipate receiving fast. In most cases, the funds for a personal loan will be sent into the borrower's account within one or two business days, while certain lenders may promise funding on the same day.

In the event that your application is approved, you can anticipate having the monies put into your account on the following working day.

CreditNinja offers loans to those with bad credit.

CreditNinja is here to provide financial assistance by making a variety of loans, including bad credit loans and other types of loans, available to individuals whose credit is less than excellent or low.

Their mission is to provide assistance to debtors who are currently going through challenging financial times.

CreditNinja is a direct lender with 12 state loan licenses.

CreditNinja is a direct lender that provides loans within 12 states only. It is important to know that they have the state license for all the 12 states.

They also protect the information you provide on its site by encrypting it using SSL technology.

You have the ability to opt out of it sharing your private data with affiliates and non-affiliates for the purpose of marketing to you by calling the toll-free number 855-646-5201 or completing out a form on the company's website. I

n addition to this, it is one of the few lenders of installment loans that prominently displays licenses from each of the states in which it operates.

CreditNinja supports many repayment methods.

Because it supports a large number of different methods of repayment, CreditNinja is also a noteworthy choice.

In most cases, the providers of loans will want you to sign an agreement for electronic debit, which means that the funds will be taken directly from your checking account.

On the other hand, CreditNinja offers more adaptability. You have the option of repaying the loan with a debit card, a credit card, a personal cheque, or a money order.

Where CreditNinja Personal Loan Falls Short

CreditNinja a direct lender which began operations in 2018 is only authorized to provide services in 12 of the 50 states in the United States. To qualify, you will need to provide proof that you are a resident of one of the following places:

  • Alabama
  • California
  • Delaware
  • Idaho
  • Mississippi
  • Missouri
  • NM (New Mexico)
  • State of North Dakota
  • South Carolina (Scotland)
  • Texas
  • Utah
  • Wisconsin

CreditNinja offers little upfront info on costs.

It is quite disheartening that CreditNinja does not publish the range of interest rates that it charges, despite the fact that the company has a stellar reputation among the general public.

Even while we understand that the actual interest rate will be based on a number of different factors, we much prefer it when lenders provide an estimate of the range of possible rates.

CreditNinja charges origination fees

In spite of the fact that CreditNinja personal loans are touted as having no hidden fees, borrowers should be aware that origination fees are still a possibility.

An origination fee is a charge that some lenders impose for services such as underwriting and processing the loan application. This fee is often deducted from the funds you receive from the loan itself.

This price can easily reach the triple-digit range at CreditNinja, and it is non-refundable as well. This indicates that you won't be able to reduce the high cost of the loan even if you pay it off soon, as you may do in order to reduce the impact of a high interest rate.

Compare CreditNinja reviews to other lenders.

In spite of the fact that CreditNinja seems to be the greatest choice for your personal loan requirements, you should still take the time to investigate your other choices and come to a decision that is well-informed.

Analyze the loan conditions and interest rates offered by CreditNinja, as well as those offered by competing lenders, such as Personal Loans and

CreditNinja has a fairly high rate in terms of estimated APR of 50% compared to Personal loans and, which both have rates of 5.99% to 35.99% that are quite a bit lower. This is shown when the two companies are compared side by side.

In addition, the maximum loan amount that can be obtained through CreditNinja is only between $500 and $5,000, which is significantly lower than the maximum loan amount that can be obtained through Personal loans or, both of which provide up to $35,000 and $100,000, respectively.

While the other lenders in the table conduct very soft credit checks, CreditNinja Reviews conducts hard credit checks on each applicant. They are also restricted to only 12 states in the United States, although other lenders provide loans in all 50 of the country's states.

In conclusion, in contrast to Personal loans and, whose loan durations range from three months to seventy-two months, CreditNinja Reviews only offers loan terms between twelve and eighteen months.

CreditNinja reviews
Personal Loans™
Over 50%
5.99% to 35.99%
$500 - $5,000
Loan Amount
$1,000 - $35,000
$500 - $10,000
Credit check
Only 12 states
Available areas
All states
All states
12 - 18 months
Loan Term
3 - 72 months
3 - 72 months

People who don't live in one of the 12 accessible states should consider one of the other options instead. There are also a lot of alternative lenders out there with low interest rates who offer greater loan amounts, longer loan terms, and lenient credit check requirements.

CreditNinja reviews vs Personal Loans™

CreditNinja Reviews, in contrast to Personal Loans, charges a higher interest rate to its consumers, but the loan amounts that are available range from just $500 to $5,000, whereas Personal Loans go as high as $35,000.

Personal loan does not do a hard credit check, in contrast to CreditNinja Reviews, which does so, and Personal loan is only available in 12 states.

Personal loans provide a more advantageous range of loan terms, with options ranging from 3 to 72 months as opposed to CreditNinja's 12 to 18 month range.

CreditNinja reviews vs

CreditNinja Reviews has a higher interest rate than but the loan amounts accessible are much lower, from $500 to $5,000 as opposed to $10,000 for

However, unlike CreditNinja Reviews, which runs a hard credit check, does not, and the services of CreditNinja Reviews is only available in 12 states.

Instead of a choice between 12 and 18 months, as is the case with CreditNinja, borrowers of can choose between 3 and 72 months.

Requirements For CreditNinja Personal Loans

CreditNinja is very flexible with regard to the individuals to whom it will extend financial assistance when it comes to lending money. The fact that there are lending options for people with poor credit is evidence of this.

Please take the time to carefully analyze the criteria, since not everyone will be eligible for a loan through CreditNinja because they do not match the requirements.

The following is a list of the criteria that CreditNinja uses to decide whether or not to approve your application:

Dependable Methods of Acquiring Funding

You must "Receive regularly deposited money into a checking account" in order to qualify for CreditNinja.

This is one of the requirements. Even while the majority of lenders favor applicants with full-time jobs, those whose principal source of income comes from benefits or a pension may also be eligible for financing.

Information on Banking That Has Been Verified for Its Authenticity

If you do not have a checking account that is currently active, CreditNinja will not take your application into consideration. This is necessary so that the money from the loan may be deposited into your account by the lender.

Keep in mind that CreditNinja will accept repayment by a variety of methods, including debit cards, checks, and more.


CreditNinja's services are now available in only 12 of the 50 states that make up the United States of America. You are need to live in one of the following places at this time:

Alabama, California, Delaware, Idaho, Mississippi, Missouri, New Mexico, North Dakota, South Carolina, Texas, Utah and Wisconsin.

Age Comparison

There is a minimum age requirement of 19 years old to purchase alcohol in the states of Alabama and Mississippi. This is a must in order for us to comply with the state's lending requirements. In the remaining 10 states that it covers, CreditNinja requires its customers to be at least 18 years old.

ID from the state and SSN

After you have submitted your loan application through CreditNinja, they will check your identification in order to complete the loan application process. As a direct result of this, we will want both your Social Security number and confirmation of residency.

How Does CreditNinja Work?

CreditNinja's business model is, for the most part, analogous to that of other online lenders who offer personal loans. As a result of this, the first step in the application process will require you to visit the CreditNinja homepage.

After clicking on the "APPLY NOW" button, you will be requested to provide your first and last names, email address, and mobile number. If you do not want the lender to contact you by auto-dialed calls and texts, you must ensure that the item is not checked.

After that, you will have to submit some more personal information about yourself. Included in this will be your date of birth, the status of your residency, your home address, your social security number, and your state identification number.

Following this, CreditNinja will ask you to supply details about your current financial situation, as is the case with all other online lenders. This includes the nature of your employment, the amount of money you really keep for yourself, and the time of the month on which you get paid.

After you have provided the information that is requested, the next step is to select the amount of money you want to borrow as well as the length of time you need it for.

After you have waited for CreditNinja to make a decision on your application, you can submit it by clicking the "SUBMIT" button. This typically does not take more than a minute.

The terms of the loan will be presented to you on-screen if you are pre-approved for the loan. This displays how much you are required to repay on a monthly basis, in addition to the applicable interest rate.

If you accept the terms that have been shown to you, you will be required to input the information for your checking account.

The money from the loan will be deposited into this account as it becomes available. The application will be considered complete once the applicant has read and signed the digital loan agreement.

If your application was submitted in the morning, you should expect to get the money later on in the afternoon. You will receive the money on the following business day at the absolute latest.

How to Apply for CreditNinja

Your full application for a personal loan from CreditNinja can be completed online. You can either talk to a customer care representative about the application process or send an email if you have any queries about it.

In order to be considered for a loan, you will need to be at least 18 years old, in possession of a Social Security number, and have a bank account. The minimum age requirement for applicants hailing from Alabama and Nebraska is set at 19 years old.

The procedure calls for you to set up an account and provide personal information, which may include your email address, physical address, date of birth, and other information.

How CreditYelp Rates CreditNinja

Overall 3.5/5 Explanation
Requirements & Application 4/5 The process of applying is straightforward, and the prerequisites are not difficult to fulfill.
Loan Accessibility 3/5 Only available to people who live in these 12 states.
Affordability 3/5 In addition to the high interest rate, it has a fee for the loan's origination.
Customer experience 4/5 It has received favorable feedback from customers.

CreditNinja FAQs

Q1. Does CreditNinja affect my credit score?

They will, in fact, report information about your account to the relevant credit bureaus. Your credit report can include late payments, missing payments, or other defaults on your account if you make late payments or skip payments.

Q2. How do I change my loan repayment schedule?

If you need to make a change to the schedule of your payments, you will need to give them a call at the number (855) 646-5201 and speak with a member of their customer care team. They will be able to assist you in modifying the repayment schedule that you have been given.

Q3. Do I require collateral to apply for a loan?

You are not required to use your home or a vehicle as collateral in order to submit an application.

Q4. Does CreditNinja make a payday loan?

CreditNinja does not offer any other types of loans other installment loans.

CreditNinja Reviews

The review data come from Trustpilot, ConsumerAffairs, and WalletHub.

  • Trustpilot
  • WalletHub
  • ConsumerAffairs
  • CreditYelp
  • 4.6 stars based on 200 reviews

    • S
      I just need some money dude.
    • C
      Christian R
      Be very careful with this company, their system is deceptive and fraudulent, they approve credits without giving you complete information on the APR% interest rates%, their percentages exceed 200% and you know this after you are approved and with the funds on the way . When you call, they try to hide information from you by saying that they need time to search. DON'T EVEN APPLY.

      Response from the owner

      Dear Christian R,Thank you for reaching out. At CreditNinja, we're committed to ensuring that all approved applicants have an opportunity to fully review all loan terms prior to signing, including information about the annual percentage rate (APR) and other fees. High-APR loans are not recommended as long-term financial solutions; your choice of a loan product should match your needs and ability to repay. For certain Texas loans, CreditNinja acts as a licensed Credit Access Business (“CAB”) for an unaffiliated third-party lender. CAB fee details are outlined in the loan agreement, along with details about the applicable 3-day cancellation window. Additional information is also available at Our friendly customer service team is available to answer questions at any time, before and after signing. For further assistance, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail [email protected].

    • E
      So far so good. The advance was in my account the next business day and the payments are reasonable. CreditNinja helped plug a few of the wholes that were made threw my finances.
    • L
      Lillie Eskridge
      Easy on process. Explanation of payments understood and monthly payments not to high
    • K
      Kathleen Beck
      Great service and speed!! Thank you more than you know for helping me with an unexpected expense! Beyond grateful!!!
    • D
      Denise Rankin
      Great!! doing business with
    • M
      Michelle Knuckley
      Anazing!!! Customer service is impeccable!!!
    • P
      Pastor Mike
      Application and subsequent approval took just minutes, with a lower APR than other advertised rates among competitors.
    • S
      Stella Peoples
      This company have great customer service.
    • M
      Fast, Easy and the loan was in my account the next day...
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