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How Many Americans Have a Personal Loan in 2025?

Key Takeaways An average of 22-25 million Americans in 2025 hold a personal loan, with the average personal loan balance of $11,631, making it a common

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Loans like loannow®

Many Americans turn to loans when they need extra funds to make ends meet. According to Statista, as of December 2023, 44% of individuals indicated…

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Loans like illinois lending®

Comparing loan options can be tough, especially if you have good credit and lots of options to choose from. One lender you may be considering…

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Loans like 1F cash advance®

A loan is a commonly used option when someone needs to pay for an emergency or unexpected expense. If you are also on the search…

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Loans Like TitleMax®

A car title loan can be a fast way to get cash when you have bad credit, but they also can come with disadvantages like…

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Loans like Rocket Loans®

If you need emergency cash, then you’ve probably already heard of a personal loan. Personal installment loans are often sought out because they can be…

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Loans like prosper

When looking for some extra funds, you will likely come across personal loans. A personal loan can definitely be helpful for emergency expenses. More than…

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Quick And Easy Personal Loans Up To $2500*

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The CredinNinja promise

At CredinNinja we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here’s an explanation for how we make money.

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.

Talk to us855-NINJA-01 (855-646-5201)

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CA Residents: Do Not Sell My Personal Information State Licenses and Disclosures FAQ CC Connect Sitemap Careers

*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 12/31/2025.

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.

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

CreditNinja and their lending partners offer loans with rates as low as 35.99% and repayment terms between 3 and 24 months. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $100 for a term of 3 months, with an interest rate of 35.99%, for an APR of 35.99%. In this example, the borrower will receive $100 and will make 3 monthly payments of $35.35. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

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.