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CreditNinja Dojo

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Frequently Asked Questions

General Questions
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Home » General Questions

Popular Questions

Loan Application

General Questions

Account & Loan Repayment

Credit Education & Credit Reporting

General Questions

Why Aren’t Cash Advance Loans Subject to Usury Laws?

What Percentage of Co-Signed Loans Default?

When Can I Streamline My Fixed-Rate VA Loan?

What Is the Best No Credit Check Loan?

Why Should You Choose Fixed-Rate Loan?

How to Structure a Loan for Six Months, Fixed Interest Rate

What Is the Difference Between a Fixed-Rate Loan and a Credit Line Loan?

How Can a Loan Have a Fixed APR but Variable Interest Rate?

How To Calculate Total Interest on a Fixed-Rate Loan

Why Is It Important To Ask if the Interest Rate of a Loan Is Fixed?

How Do I Know if My Loan Is Fixed-Rate?

Who Actually Does High-Dollar Debt Consolidation Loans?

What Is the Difference Between Debt Consolidation Loans and Regular Loans?

What Do I Need To Know About Debt Consolidation Loans?

How Fast Do Debt Consolidation Loans Work?

What Will Happen if I Stopped Paying My Debt Consolidation Loans?

What Is an Unsecured Debt Consolidation Loan?

When Is a Good Time for a Credit Card Consolidation Loan?

How Do Co-Signed Loans Work?

What Is a Fixed-Rate Loan?

How Do Cash Advance Loans Work?

How To Get a Payday Loan Online

Can You Get a House With Bad Credit

How Long Does It Take To Get a Payday Loan?

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CreditNinja’s installment loans give you access to funds in a safe and timely manner. Our online request process allows you to apply for a personal loan from the comfort of your home. That means no more long bank forms or slow moving lines. Typically, within one business day, you’ll receive confirmation of the approved funding to help take care of your financial strains.

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Disclaimer

The information contained herein is provided for free and is to be used for educational and informational purposes only. We are not a credit repair organization as defined under federal or state law and we do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit. Articles provided in connection within the Dojo are general in nature, provided for informational purposes only, and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating through the use of the resources provided through the CreditNinja Dojo.

¹Not 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.

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IMPORTANT DISCLOSURES

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 12/31/2020.

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.

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.