How long does creditninja take to approve? 

Quick And Easy Personal
Loans Up To $2500

If approved for a CreditNinja loan, you may get your money as soon as the same day, or the next business day.* In fact, depending on specific qualification criteria, consumers can get approved for funds in just a few minutes! 

What Is a Personal Loan?

A personal loan is a type of funding consumers can use for just about any purpose. Since personal loans can come in high or low loan amounts, they are often ideal for paying off a wide variety of expenses. According to the Chamber of Commerce, there are approximately 21.1 million outstanding personal loans in the United States.1 

Personal loans are often considered a more sustainable alternative to other types of unsecured loans, like payday loans, due to their flexible repayment schedules, competitive interest rates, and inclusive approval process. 

Process for CreditNinja Personal Loans 

The CreditNinja personal loan process was designed to get consumers their money quickly and easily. Here’s how it works: 

  • Step one: Fill out our simple online application and find out if you qualify. 
  • Step two: Upon approval, review your personalized loan amount, interest rates, and terms. 
  • Step three: Read and sign your loan contract. From there, your money may get directly deposited into your bank account the same day.*

If you apply and receive approval early in the morning on a Monday – Friday, you should expect your funds in your bank account promptly. Loans approved over the weekend or later in the afternoon on Friday are generally funded the following Monday. 

Repaying a CreditNinja Personal Loan

Let’s say you took out a $1,000 loan with an annual interest rate of 24%. With monthly payments over the course of 36 months, your repayment details may look something like this: 

Monthly Payment$39.23 
Total Loan Amount$1,412.38
Total Interest$412.38
Number of Payments36

How To Get Approved for a CreditNinja Personal Loan

Many lenders rely solely on a consumer’s credit score when determining loan approval. This can make loan approval particularly difficult for people who are working on improving their credit. Thankfully, CreditNinja is different. CreditNinja considers more than just credit history, and looks at other financial information, such as recurring income and other assets, when approving applicants for loans. While terms and rates are partially determined by credit, you may still get approved even if you have bad or no credit.


  1. Personal Loan Statistics | Chamber Of Commerce

*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.

Loan Application

Quick And Easy Personal Loans Up To $2500*