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
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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+

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.

Apply Now


A little about us
Since we began in 2018 we’ve offered financial solutions to over 275,000 borrowers. If you’re one of the many Americans in a difficult financial situation, CreditNinja’s online loans may be the answer you’ve been looking for. And our online application makes the entire process easier than ever. No more waiting in long lines or filling out a bunch of paperwork. Apply from the comfort of your own home, and if approved, you may receive the funds as soon as the same day.* Choose a safe and reliable financial solution today

Don’t let unplanned expenses ruin your budget. Apply for an online loan today with CreditNinja, and find out how we can help you.

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© 2023 CreditNinja Lending, LLC. All Rights Reserved.


* Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. 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.

†MILITARY LENDING ACT COVERAGE. Because all the loans CreditNinja makes or arranges exceed the Military Lending Act’s 36% MAPR limit, CreditNinja does not offer loans to individuals covered by the MLA. To determine whether an individual is covered the MLA, we obtain a report from a national consumer reporting agency. We also ask the above question as an added precaution to ensure compliance with the MLA.

Under the MLA, “servicemember” generally means a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer. “Dependent” generally means a servicemember’s spouse, child under age 18, or other individual for whom a servicemember provided more than half the individual’s support in the past 180 days.

If you want to check whether you are covered by the MLA, you may submit a single-record request on the official MLA website.

STATE LAW DISCLOSURES. California residents: CreditNinja is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law (#60DBO-82330) and the California Deferred Deposit Transaction Law (#10DBO-89178). Texas residents: CreditNinja operates as a Credit Access Business (#159810). Delaware residents: CreditNinja is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. § 2201, et seq., and expires 12/31/2022.

NOTICE OF FURNISHING NEGATIVE INFORMATION. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

LOAN DISBURSEMENT. 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.

ACCEPTED PAYMENT METHODS FOR FEB LOANS. For loans made by First Electronic Bank, Member FDIC, acceptable payment methods include ACH, debit card, personal check, money order, and cashier’s check. Cash not accepted.

CC Connect Installment Loans are provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC.

Depending on your state of residence, applications submitted on this website may by originated by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. For more information, please visit our CC Connect page.

HIGH COST DISCLOSURE. The loans made or arranged by CreditNinja have a high APR and are not recommended as a long-term financial solution. Additionally, these loans typically include a loan origination fee that is generally not refunded if you prepay the loan. Your choice of a loan product should match your needs and ability to repay. Consider carefully the amount, term, and finance charges for any loan. If you choose a high interest loan, reduce your finance charges by paying more than the minimum installment payment. Paying late increases your finance charges and may cause you to incur a late fee. Customers with credit difficulties should seek consumer credit counseling. For helpful resources concerning financial literacy, credit score trends, and a glossary of financial terms, please see the Resources tab at the top of our website, www.creditninja.com.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.