Why Choose CreditNinja for Your Personal Installment Loan?
Going through a financial emergency can be stressful, which is why CreditNinja aims to be a convenient solution for consumers who may not have many borrowing options available. CreditNinja believes everyone deserves access to affordable financial solutions, even those with a less-than-perfect credit history!
Many bad credit loan options, such as payday loans, come with high rates and short repayment terms, making them notoriously difficult to repay. Thankfully, CreditNinja is different. Our installment loans come with industry-wide competitive rates and flexible repayment schedules, allowing consumers to access quick loans that are convenient and come with affordable monthly payments.
Check out a few perks that come with CreditNinja installment loans:
| Easy to Apply | Same-Day Funding | Low Credit Support |
|---|---|---|
| Complete the online application from your computer, smartphone, or tablet! | Get your approved funds the same day or as soon as the next business day!* | No minimum credit score requirement. You don’t need perfect credit to get approved for a CreditNinja online installment loan! |
| Direct Deposit | Find Out if You Qualify Fast | Get Your Money Quickly |
| Direct deposit allows us to send your approved installment loan directly to your bank account ASAP. | The application takes just a few minutes to complete, and you’ll find out your approval status and APR right away!* | Most customers get their money a few hours after getting approved.* |
What Is an Installment Loan?
An installment loan is a type of personal loan where, after approval, borrowers receive their funds in one lump-sum payment. After about a month, they are responsible for repaying their borrowed amount, plus interest and fees, through regular monthly payments.
CreditNinja personal installment loans were designed specifically for bad credit borrowers who may not have many quality loan options available. Most bad credit loan options, like payday loans, come with strict repayment terms and extremely high interest rates that can make loan repayment difficult. CreditNinja personal installment loans are different because our flexible repayment options and competitive interest rates allow you to customize your monthly payments so they fit into your current budget.
How to Apply for CreditNinja Installment Loans
Use the easy online application to start CreditNinja’s fast approval process. After you receive final approval and sign your installment loan contract, you can get your approved installment loan deposited into your bank account the same day!*
Here’s how it works:
| Apply Online Easily | Income Verification | Fast Funding |
|---|---|---|
| Start by filling out our quick and simple online application from any computer, smartphone, or tablet. You should receive a pre-approval decision in just a few minutes! | We’ll verify your income with Instant Bank Verification (IBV) so we know you can repay your installment loan. IBV also allows us to deliver your funds via direct deposit, which helps you get your money faster. | After you read over your contract, go ahead and sign it. After that, you should receive your money in a few hours or as soon as the next business day!* |
What CreditNinja Loan Customers Are Saying
CreditNinja is known for our easy application, quick approval process, affordable monthly payments, and helpful customer service. Check out what other people have to say about their experience with CreditNinja installment loans online.
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“Thank you for making this a very smooth stress free transaction. I would definitely recommend CreditNinja to anyone who has a hard time finding a loan. The payments are well within reach.”
- Nancy Test-Moreland |
“great experience i was able to do everything online an i didnt even have to speak to anyone. thankyou creditninja”
- Richard Steadman |
“I needed some financial help with some upcoming payments and Tiffany was awesome in helping me out with a lower payment until I was able to pay the full amount on my payments! Thank you for your help and understanding! Great company!”
- RC Disney |
CreditNinja Online Rates and Flexible Repayment Options
Rates and repayment options are some of the most important factors of any loan, as they help determine the length and expense of repaying an installment loan. At CreditNinja, you can expect flexible repayment and competitive rates designed to make monthly payments and APRs as stress-free and affordable as possible!
- Flexible Repayment Options — Flexible repayment options on loans up to 24 months.
- Fees — No hidden fees!
- Annual percentage rate (APR) — Competitive interest rates and APRs for bad credit.
Below are some average loan amounts and flexible repayment options you may come across for CreditNinja personal installment loans:
| Loan Amount Ranges | Loans up to | Minimum Credit Score |
|---|---|---|
| $300 – $5,000 | 24 months | No minimum score required! |
Frequently Asked Questions
What can you use a CreditNinja personal installment loan for?
CreditNinja personal loan products are meant for financial emergencies. Common reasons why customers turn to CreditNinja personal loans include surprise expenses or bills, rent, car repairs, medical costs, and general debt consolidation.
How much money can I qualify for?
CreditNinja personal loans range from $300 – $5,000. How much you can borrow will depend on factors such as income and other debts. Our goal is to make sure your approved loan amount helps you reach your financial goals while keeping regular monthly payments affordable.
How do you apply for a loan?
You can start the quick application process online by filling out your name, address, and bank information. Most people are able to complete their approved applications in just a few minutes!
Are online installment loans available?
Yes! CreditNinja offers an online installment loan process borrowers can complete from any computer or smartphone. That means you can fill out a personal loan application and go through the entire approval and funding process from home or wherever you are!
How quickly can you get approved by CreditNinja?
Many CreditNinja borrowers receive their installment loan funds the same day they’re approved or as soon as the next business day.*
To expedite the process, have your personal and financial information ready to go. This includes your name, address, and Social Security number, as well as your bank account and routing numbers. The faster you submit your correct information and loan documents, the faster you could get your installment loan!
What is the repayment period for an installment loan?
CreditNinja offers flexible repayment options for loans up to 24 months. However, we encourage customers to pay off their loans as early as they like with NO prepayment penalty.
While borrowers are encouraged to repay their installment loan early if they can to reduce interest costs, CreditNinja repayment terms were designed to help keep your fixed monthly payments low and affordable. That way, you don’t have to stress about repaying your personal installment loan.
Can you get a personal installment loan with a bad credit score?
You bet! CreditNinja specializes in personal loans for bad credit borrowers. We accept applicants with all types of credit scores and financial histories, including past bankruptcy!
How are instant online installment loans different?
Online installment loans work practically the same way as in-person traditional loans, but you can complete the entire process, including finding out your approval status and APR, and even accepting your approved funds, from a computer or smartphone. After about a month, you’ll start repaying the balance in installments.
When it comes to CreditNinja online loans, borrowers can also receive their approved funds directly to their checking accounts the same day they’re approved.* CreditNinja products also fall under the category of unsecured loans, which means you aren’t required to offer collateral in order to qualify!
What is the easiest installment loan to get approved for?
The best installment loans for bad credit typically come with easy approval requirements, varying loan amounts, flexible terms, and competitive rates. At CreditNinja, you’ll find all of these perks and more!
Still Have Questions? Contact CreditNinja Today
People from all over the United States turn to CreditNinja when they need help with debt, surprise bills, unexpected expenses, and more. If you’ve found yourself in a tough financial situation and need affordable monthly installments, let CreditNinja help you out! Apply online to get started now, or call our helpful customer service to answer any questions.
CreditNinja is your trusted source for quality personal finance information. With a demonstrated history of helping borrowers in need, CreditNinja makes your financial growth and understanding our top priority. Whether you want to learn more about budgeting, saving, credit cards, or personal loans, at CreditNinja we are here to help.