Online personal loans with same day* decision
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.*
What our customers are saying about us
CreditNinja was awesome! I was approved in no time and the funds were in my bank account the same day! Plus, the payments are within my budget.Lanea F.
By far the fastest and easiest online loan I have ever gotten. Thanks CreditNinja!Jay B.
CreditNinja was a fast and easy online loan. It was very helpful getting the cash ASAP right into my bank account. Definitely would recommend! Very happy with the service and online layout for repayment. Thank you!!!Severiano C.
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!
Top five loan questions
How much can I borrow?
Generally, unsecured loans are offered up to $5,000. However, we encourage you to apply because your resident state will affect both the minimum and maximum loan amounts offered and whether we make a loan directly or a loan is made by an FDIC-insured bank or other non-affiliated lender.
What is an installment loan?
An installment loan is a loan that requires a fixed number of regular payments that are substantially equal in amount. Payments on an installment loan are calculated over a set duration. The installment loans offered are fully amortizing, meaning that you will pay-off all principal by the maturity date if you pay the loan as scheduled.
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?
If approved, your funds will be deposited directly into your checking account via direct deposit.
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Find out more about personal installment loans and how they work!