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DIY Christmas Gift Ideas on a Budget

Christmas is right around the corner, and if you’re trying to stay on budget this year, DIY gifts may be the perfect solution. Handmade presents

Budgeting

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Brand
Budgeting
Credit
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Interest Rates
Loans

Overdrawn bank account went to collections what to do

Are you worried because your overdrawn bank account went to collections? A negative balance in checking accounts can cause a great deal of stress, especially…

Budgeting

What Is a Hardship Loan With Bad Credit?

A hardship loan with bad credit is a short-term loan designed to help you cover an unexpected expense when your credit score isn’t strong enough…

Budgeting

Balance transfer vs. personal loan

A balance transfer can be the action of transferring debt, but it usually refers to a credit card or balance transfer loan option that allows…

Consolidation

How to find out if you owe payday loans

Wondering if you have an outstanding payday loan balance? If you haven’t heard from your lender recently, you may be unsure of the status of…

Budgeting

Cash advance vs balance transfer what is the difference

A cash advance is a loan, while a balance transfer is when a borrower transfers existing debt to a new account to save money and…

Consolidation

Quick And Easy Personal Loans Up To $2500*

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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.