Online personal loans with same day* decision
CreditNinja personal loans help with life’s unexpected expenses.
- Easy online application process
- If approved, you may get your money as soon as the same day*
- Flexible repayment schedule
Can’t get approved for traditional loans?
CreditNinja may have the solution you need.
How CreditNinja loan options work
If approved, once you sign for your loan, your money may get directly deposited the same day.*
Apply online easily
Our online application is quick and simple. All you need is to provide some basic information.
Find out if you qualify...fast!
Don’t worry, your credit score is not the only thing considered! If approved, you’ll see your personalized loan amount, rate, and terms.
Get your money quickly
Once you sign for your loan, your money may get directly deposited the same day.*
ESTABLISHED
2018
LOANS
475,000+
CUSTOMERS
275,000+
CreditNinja to the rescue
We offer the immediate financial support you need with same-day online installment loan options.*
Flexible payment schedule
Get the cash you need at a fixed rate, with a flexible repayment plan and manageable installments tailored to fit your budget.
Convenient loan terms
CreditNinja is here to provide a safe and reliable option for borrowers struggling with low credit. Rates and longer repayment terms are designed to help you in times of need. CreditNinja gives borrowers options for larger loan amounts, competitive rates, and longer repayment periods than many other online lenders.
No need for excellent credit
Don't worry, perfect credit history is not required to be approved. Your credit score is not the only thing considered. Apply today to find out if you qualify!
Frequently Asked Questions
How much can I borrow?
Generally, unsecured loans are offered up to $5,000. However, your resident state will affect both the minimum and maximum loan amounts offered, in addition to whether your loan will be directly made by CreditNinja or arranged by one of our FDIC-insured banks or other non-affiliated lenders.
What is an installment loan?
An installment loan is a loan where you borrow a lump sum of money up front and pay it back in fixed amounts over a set period of time. The installment loans are fully amortizing, meaning that you will pay off all principal and interest by the maturity date if you pay the loan as scheduled according to your loan agreement.
What is an APR?
An annual percentage rate (APR) is the total cost of credit, including interest and all other finance charges such as a loan origination fee (if one is charged in your state). The APR expresses your loan’s Finance Charge as an annual rate.
I don’t have a bank account, can I still apply for a loan?
No, a checking account is required to accept your loan funds.
How will my loan be funded?
Your funds will be deposited directly into your checking account via direct deposit.
How quickly can I get a loan?
Applications approved before 10:30 a.m. CT Monday – Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day. Some applications may require additional verification, in which case the loan, if approved, will be funded the business day after such additional verification is completed.
What can you use CreditNinja loans for?
CreditNinja loans are ideal for unexpected financial emergencies. Many CreditNinja customers use our installment loans for a wide range of expenses including: medical bills, home and appliance repairs, overdue bills or rent, and auto repairs, to name a few.
What makes CreditNinja loans different?
CreditNinja stands out by offering a safe alternative for borrowers who are struggling financially. Apply online in minutes, get a decision, and if approved, your funds will be directly deposited into your bank account. Plus, our friendly and helpful customer service team is here to assist you every step of the way.
CreditNinja Dojo
Check out the CreditNinja Dojo for helpful blogs with financial tips and know-how. Step into the Dojo to begin your personal finance training.
