Loan Amount
Borrow $300 – $5,000
Repayment Terms
Up to 24 Months to repay
No Minimum Credit Score Required
Apply even with low credit
Why Choose CreditNinja for a Personal Installment Loan Online?
CreditNinja has been a trusted lender since 2018, serving more than 275,000 people throughout the United States. Our personal installment loans online are meant to be an emergency cash solution for people who may have trouble getting approved with traditional lenders like banks or credit unions. That means you could qualify for our personal loans if you have poor credit, no credit, or even past bankruptcy.
Benefits you can enjoy when you work with CreditNinja include:
| Easy to Apply | Same-Day Funding* | Low Credit Support |
|---|---|---|
| Use our online application to apply from any smartphone or computer. | Get your approved funds the same-day or as soon as the next business day.* | No minimum credit score requirement. |
| Direct Deposit | Find Out if You Qualify Fast | Get Your Money Quickly |
| Approved funds delivered right to your bank account. | Find out if you qualify in just a few minutes.* | Have your personal installment loan funds deposited in your checking account the same-day.* |
We also provide transparent terms and fees. All the details regarding your loan, including repayment terms, additional fees, and interest rates, will be explained in your contract. That way you have all the facts up front before you sign.
How to Apply for a Personal Installment Loan with CreditNinja
Applying for a CreditNinja personal installment loan online is fast and simple. Use your smartphone, computer, or tablet to answer a few questions and get an approval decision in minutes.* After you sign your loan contract, you can expect funds delivered directly to your bank account the same-day.*
Here’s a quick overview of how it works:
| Apply Online | Verify Your Income | Receive Your Funds |
|---|---|---|
| Enter your name, address, income details, and bank account info. | We’ll use Instant Bank Verification (IBV) to confirm your income. | Sign your loan contract and receive your approved funds via direct deposit. |
Trusted by Thousands of CreditNinja Borrowers
Choosing the right lender can make all the difference when you’re working towards paying off debt and improving your financial situation. When researching your options, checking out customer reviews can be a great way to see what kind of experience other people had with a particular lender.
Take a look at some recent CreditNinja customer reviews below!
What our borrowers are saying
Personal Installment Loan FAQs
What is an installment loan?
Personal installment loans are a type of funding that provides borrowers with a lump sum amount up front. Borrowers then repay the principal, interest, and fees, with fixed payments over a set period of time. Loan amounts and repayment terms can vary depending on credit history, income, and ability to repay.
What can you use a CreditNinja personal installment loan for?
CreditNinja installment loans were designed to help cover unexpected expenses or financial emergencies. Common reasons people apply for our loans include:
- Paying rent
- Covering medical bills
- Car repairs
- Bills
- Everyday expenses like groceries
- Debt consolidation
Our goal is to make sure your loan comes with affordable monthly installments, so there are no surprises when it comes to paying back your loan.
How much money can you borrow with a CreditNinja installment loan?
CreditNinja installment loans range from $300 – $5,000. When determining how much you can borrow, we’ll look at factors like your income, employment history, and current debts.
How do you apply for a loan?
Click “Apply Now” to start your CreditNinja installment loan application. After you enter your information, such as your name, address, employment details, and bank information, you should receive an approval decision right away.*
How quickly can you get approved for an installment loan?
Receive an approval decision regarding your online installment loan in a few minutes or less. Upon approval, you could get funds deposited as soon as the same-day, so the earlier you apply the faster you could get your funds.*
What is the repayment period for a CreditNinja installment loan?
Take up to 24 months to repay your CreditNinja personal installment loan. You also have the option to repay your loan early with no prepayment penalty.
Can you get a personal installment loan with bad credit?
Yes! CreditNinja specializes in personal loans for bad credit. We accept applicants with all types of credit scores and financial histories, including past bankruptcy. Approval depends on several factors such as income, financial obligations, and ability to repay.
Still Have Questions? Contact CreditNinja Today
Have questions about personal installment loans online? Our customer service team can help! Talk to a real person by calling 855-NINJA-01 or email us at [email protected].
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.
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.