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Popular Questions

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General Questions

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Loan Application

How Do I Avoid Loan Origination Fees?

Mortgage Refinancing With Bad Credit

What Is an Installment Loan?

What Is the Minimum To Get A Credit Card Consolidation Loan?

What Are Credit Card Consolidation Loan Interest Rates Going for?

What Is the Interest Rate on Debt Consolidation Loans?

Why Debt Consolidation Loans Are Bad

Where Can You Get a Legitimate No Credit Check Loan?

What Is a Fair Interest Rate for Debt Consolidation Loans?

Why Can’t I Get an Online No Credit Check Loan Approval?

When Applying For a Loan Which Type Is Better, Credit Card Refinancing or Debt Consolidation?

Where To Get an $800 Loan, No Credit Check, Safe and Secure

How Can I Get a $500 Loan With No Credit Check

How To Get a Debt Consolidation Loan With Poor Credit and Existing Loans

How Hard Is It To Get a Credit Card Consolidation Loan?

How To Answer the Questions They Ask When Applying for a Credit Card Consolidation Loan

Where Can I Get the Best Loan for a Credit Card Consolidation?

When You Get a Consolidation Loan and Pay off Credit Cards Does This Cancel the Card?

Do You Have To Close Your Credit Card Accounts When You Get a Debt Consolidation Loan?

How To Get a Personal Loan With No Credit Check

Where Can I Get a Loan With No Credit Check?

How To Get a Credit Card Consolidation Loan With a Low Credit Score

What Are Merchant Cash Advance Loans?

Mortgage Refinancing With Bad Credit

What Are The Best Cash Advance Loans

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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 CreditNinja 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 CreditNinja.

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.