How can we help?

Search

Frequently Asked Questions

Apply here. The application process only takes a few minutes.
If you have already created a CreditNinja account in the past, to reapply please log in to your account. Once logged in, if you are eligible to reapply, you will see a button to click.
Generally, we offer unsecured loans up to $5,000. However, we encourage you to apply because your resident state will affect both the minimum and maximum loan amounts we offer and whether we make a loan directly or arrange a loan made by an FDIC-insured bank or other non-affiliated lender.
Your eligibility depends on Creditworthiness and your resident state. To check eligibility, just fill out our quick online application. It will only take a few minutes.
Your funds will be deposited directly into your checking account via direct deposit.
Once approved your funds will generally be deposited the next business day.
An annual percentage rate (APR) is the total cost of credit, including interest and all other finance charges such as a loan origination fee (if one is charged in your state). The APR expresses your loan’s Finance Charge as an annual rate.
An installment loan is a loan that requires a fixed number of regular payments that are substantially equal in amount. Payments on an installment loan are calculated over a set duration. The installment loans we offer are fully amortizing, meaning that you will pay-off all principal by the maturity date if you pay the loan as scheduled.
The interest rate is applied to the principal balance every day. If you prepay a loan, you will generally not owe interest that has not yet accrued. APR includes interest but also includes other finance charges such as a loan origination fee. For this reason, the APR of your loan may be higher than the interest rate because APR expresses all of your finance charges as an annual rate.
Simple interest loans accrue interest on a daily basis. Moving your payments or making late payments will add more days to the life of your loan and can allow for additional interest to accrue on your loan.
If you need to change your repayment schedule you will need to call us at (855) 646-5201 to speak with a customer support team member. They will be able to assist you with adjusting your repayment schedule.
“Bank Verification” is the third-party tool we use to verify your identity and to verify the activity in your open and eligible checking account. Because we verify this information through the automated and online process of Bank Verification, we will deem your loan application complete only if you provide the checking-account information required by the Bank Verification tool.
An online bank account is required in order to do Bank Verification. Without an online account we cannot verify the ownership of the bank account, which will result in us being unable to approve an application.
Because all the loans CreditNinja makes or arranges exceed the Military Lending Act’s 36% MAPR limit, CreditNinja does not offer loans to individuals covered by the MLA. To determine whether an individual is covered the MLA, we obtain a report from a national consumer reporting agency. We also ask the above question as an added precaution to ensure compliance with the MLA. Under the MLA, “servicemember” generally means a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer. “Dependent” generally means a servicemember’s spouse, child under age 18, or other individual for whom a servicemember provided more than half the individual’s support in the past 180 days. If you want to check whether you are covered by the MLA, you may submit a single-record request on the official MLA website.
If you have any questions the fastest response will always be to call. However you can email us at support@creditninja.com

General Questions

How do you calculate interest rate on a personal loan
Which bank will provide personal loan easily
Which type of loan can be used for debt consolidation
Can I borrow money for a down payment?
What is a good apr rate for a personal loan
What is the easiest type of loan to get with bad credit?
How do you calculate apr on a loan
How can I get loans for 500 credit score
What is the easiest bank to get a personal loan from
What is a personal loan used for
Which bank has the lowest interest rate for personal loan
What is a benefit of obtaining a personal loan
Who offers payday loans in ohio
What states prohibit payday loans
Does colorado do payday loans
Can uber drivers get payday loans
Does money tree do payday loans
In what states are payday loans illegal
Does sc do payday loans
Does ohio still have payday loans
Does oklahoma do payday loans
Does tennessee do payday loans
Does walmart offer payday loans
Does georgia have payday loans
How do you guarantee a personal loan
Is there a way to get a loan without a bank account
What happens if you don’t pay back a personal loan
How does an amortizing loan work
How does co-signing a loan work
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 do I know if my loan is fixed-rate
What happens if you don’t pay debt consolidation loans?
What is an unsecured debt consolidation loan
How do co-signed loans work
How long does it take to get a payday loan
Does a secured loan hurt your credit?
Can you get a secured loan with a 500 credit score?
What credit score is needed for a 100k personal loan
How many points does a loan affect credit score
How do I write a simple personal loan agreement
How do you determine credit worthiness
Why does a hard inquiry hurt your credit
What is a soft credit check
What is a hard credit inquiry
Who will give loans with bad credit
On average how much of a personal loan can you get with an 850 credit score
How to get a personal loan with a thin file credit score
How can I get a personal loan with 690 credit score
What personal loan rate should I expect with 746 credit score
How can I get approved for a personal loan with a 630 credit score
My credit score is 736 what is the most I can get for a personal loan
What credit score is needed for a personal bank loan
What are personal loan rates if I have a 780 credit score
Can I get a personal loan with a 635 credit score?
How much can I get in a personal loan with a 640 credit score
Where can I get a personal loan with a 513 credit score
Where can I get an unsecured personal loan with a 500 credit score and a co-signer
What are the chances of getting a personal loan with a 648 credit score
How much of a personal loan can I get with a credit score of 480
How much of a personal loan can I get with a credit score of 750
How to report credit card debt consolidation loan on taxes
If 700 credit score which is better debt consolidation loan or credit card
Can you get a personal loan with a credit score of 550
How big of a personal bank loan can you get with a credit score of 600
What happens to my credit score when I pay off personal loan
Where can you get a personal loan with a 435 credit score
What does my credit score need to be to get a personal auto loan
What Credit Score Is Needed For a Personal Loan
How does a personal loan affect credit score