*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.
CreditNinja and some of their lending partners offer loans with rates as low as 35.99% and repayment terms between 3 and 24 months. Not all applicants will qualify for the lowest rate. A representative example, not a guaranteed offer, 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.
