Skip to main content Skip to footer

Home
Loans
- Personal Loans
  Bad credit loans with flexible repayment options and competitive rates
  Bad Credit Loans
  Explore loan options designed for borrowers with less-than-perfect credit
  Online Installment Loans
  Get funds up front and repay in fixed payments over time
Resources
- Overview
  Financial Literacy
  Financial Calculators
  Financial Glossary
  Trends & Stats
About Us
FAQ
Blog
Apply Now

Author: Sarah Rochford

June 24, 2021
Key Takeaways Get loans by phone by calling or applying online through lenders that offer online loans for bad credit.…

←
1
…
18
19
20

900k+

Customers Helped

"Fast, easy, and exactly what I needed."

A Little About Us

Since we began in 2018 we’ve offered financial solutions to over 900,000+ customers. 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.

Call Us: 1-855-NINJA-01

Products

Personal Loans Bad Credit Loans Installment Loans No Credit Check Loans Cash Advance Loans Payday Loans Title Loans Loans By State

Company

CreditNinja Privacy Policy FEB Privacy Policy Quill Bank Privacy Policy Quill Bank CA Privacy Policy Barr Privacy Policy Account Opening Disclosures Terms & Conditions CA Residents: Do Not Sell My Personal Information State Licenses and Disclosures

Resources

About Us FAQ CC Connect Resources Sitemap Careers Reviews Contact Us

Need funds fast?

Get the funds you need today.

Important Disclosures:

*CreditNinja will either make or arrange your loan. If you receive your final loan approval, then your loan agreement will identify your lender, your cost of credit, and the terms of repayment. 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.

CreditNinja Lending, LLC NMLS ID# 1752769 | NMLS Consumer Access.

STATE LAW DISCLOSURES. California residents: Loans will be arranged or made pursuant to a California Finance Lenders Law License. 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 12/31/2026.

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, acceptable payment methods include ACH, debit card, personal check, money order, and cashier’s check. Cash is not accepted.

FEB Installment Loans are provided by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah.

The CC Connect loan is made by Quill Bank, a Utah Chartered bank, located in Provo, Utah. For more information, please visit our CC Connect page.

Among other consumer credit products that CreditNinja makes or arranges from its website (www.creditninja.com), CreditNinja, but not its bank lending partners, offers unsecured installment loans made under the general-usury statute of the consumer’s home state (“general-usury loans”) and retail sales finance contracts (“RISCs”) made under the RISC statute of the consumer’s home state (“sales-finance transactions”) with an APR up to 35.99% and a repayment term between 3 and 24 months. A representative example of the payment terms for a general-usury loan or sales-finance transaction is as follows: a borrower receives a loan or credit transaction of $100 with a repayment term of 3 months and an APR of 35.99%. In this example, the borrower will receive $100 and will make 3 monthly payments of $35.35. The type of consumer credit product available to you (i.e., bank lending partner products) –together with that product’s amount, repayment term, and APR–may vary from the preceding illustration based on your creditworthiness and state of permanent residence.

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.

© 2026 CreditNinja Lending, LLC. All rights reserved.

Terms of Use Privacy Policy Licenses