Installment Loans Online
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
Direct Deposit
Find Out if You Qualify Fast
Get Money Quickly*
How to Apply for a CreditNinja Loan
Getting the personal loan you need is quick and straightforward — here’s how it works.
Apply Online Easily
Income Verification
Fast Funding
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.
CreditNinja online rates and repayment options
There are always costs to borrowing money. Check out some details about CreditNinja online rates below:
Flexible Repayment: More manageable loans, up to 24 months.
Fees: No hidden fees! Find all details about potential late payment penalties, origination fees, and other charges in your loan contract.
APR: CreditNinja offers competitive interest and fixed rates to keep your monthly payment stress-free and affordable.
Real People, Real Results
“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.”
“I had an emergency and CreditNinja was there to process my application and get funds to me quickly. I will refer friends and family!!! Thank you CreditNinja!”
“The customer service reps did a great job helping me get through the refinance of my current loan. Had an issue with fraud alerts on my credit report and they handled it well.”
Why Apply with CreditNinja?
Our personal installment loans for bad credit are designed to help when you need it most.
Whether you’re looking for a quick personal loan, need options with less-than-perfect credit, or prefer manageable installments, our loans are designed for your financial needs.
Personal Loans
Fast, unsecured loans for life’s unexpected expenses. Get funds quickly with a straightforward application process and clear terms.
Installment Loans
Borrow what you need and pay it back over time with predictable, scheduled payments that fit your budget perfectly.
Bad Credit Loans
Your credit score isn’t the only factor we consider. We look at your overall financial picture to provide options when others might say no.
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 up to 24 months.
- Fees — No hidden fees!
- Annual percentage rate (APR) — Competitive interest rates and APRs for bad credit.
Below are some loan amounts and options you may come across for CreditNinja personal installment loans:
Loan amounts from...
Loans up to...
Perfect credit not required...
Frequently Asked Questions
What can you use a CreditNinja installment loan for?
CreditNinja personal loan products are meant for financial emergencies. Common reasons why customers turn to CreditNinja include surprise expenses or bills, rent, car repairs, medical costs, and general debt consolidation.
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 up to 24 months. However, we encourage customers to pay off their loan 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 an 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!
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. With a lender like CreditNinja, you’ll find all of these perks and more!
How are instant online installment loans different?
Online installment loans work practically the same way as in-person traditional options, 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, 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!
Still have questions? Our team is here to help.
Still have questions? Need help? Talk to a real person today
If anything doesn’t go smoothly at any step, call 855-646-5201. A real person answers. Not an automated system, not a bot designed to redirect you until you give up. Someone who can actually help. Monday – Friday from 6 a.m. to 6 p.m. CT.
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.
State Availability: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin, and Wyoming.
If we do not offer loans in your state, check out the CreditNinja Dojo. We provide resources to help you find a suitable alternative option in your state of residence.
Bad Credit | Co-Signed | Installment | No Credit Check | Payday Alternative |Unsecured | Secured | Title | Short Term | Cash Advance