Build your credit history the right way with more affordable lending products.

A little cash can go a long way. Get your finances back on track with a personal loan from CreditNinja. Whether you’re paying off an unexpected expense, or you need some cash to make it to your next payday, CreditNinja is here to help.

What You Need To Know About Personal Loans

At first glance, that personal loan you’ve been considering might seem like a great idea. But they all have their pros and cons. It’s important that you understand all of the costs, fees, terms, and conditions associated with a loan before you sign for it. 

Rushing into a loan without knowing all of the details could end up costing you a lot of money in the long run. Aside from offering safer, more affordable online personal installment products with a fixed rate, CreditNinja can also help you understand the differences between several types of financial products, and how to apply for them. Whether you’re considering a personal line of credit, peer-to-peer lending, investing options, student loans, or business loans, CreditNinja has the info you need. And understanding the ins and outs of personal finance products, like a credit line, credit card, or even car insurance can help you save money in the long run.


How to Apply for an Easy Personal Loan

In this day and age it’s easier than ever to apply for personal loans. Many lenders have moved their entire application and funding process online. Depending on the loan and the lender, you may be able to submit your entire application from the comfort of your own home. No more waiting in long lines or filling out lengthy paperwork. 

It’s easy to get started. If your lender offers an online application—like CreditNinja—the process can be quick and easy. First you enter your personal information into the online application. The lender will likely need to know about your borrowing history, mobile banking information, and current income, among other things. Some lenders may want to also check your credit score, so make sure you know what it is.

Next the lender will decide whether or not they can provide you with an easy personal loan and what the APR, interest rate, fees, and total cost will be. Understanding the fees prior to signing the contract is crucial. What is the interest rate? Do they charge a late fee? What is the origination fee? These are all questions you should be able to answer. and once you can answer these, consider using a loan calculator to determine your payments.

If you’re offered an online personal loan, they will deposit the funds directly into your bank account and you can spend the cash with your debit card. You’ll begin to repay on the agreed upon date, and once it’s paid off the process is over. Most lenders will also allow you to set up autopay. Using autopay is a great way to always make payments on time. If they don’t offer autopay, consider setting reminders for yourself so you don’t forget. Or consider finding a lender that offers autopay.

If a borrower isn’t able to pay, the lender may offer to “rollover” the loan. This means extending the repayment term and adding more fees and interest. You can also apply for a debt consolidation loan if you have multiple debts. Debt consolidation can help you repay your personal loans.

CreditNinja’s safe and secure process allows borrowers to apply and get a personal loan completely online. You can also use a personal loan calculator to calculate the costs associated with different lending products like lines of credit, mortgages, and more. A calculator is a great way to make sure you can afford the APR and fees of a loan. You can find plenty of loan calculators online, including on the CreditNinja website.

personal approach installment loans

Personal Approach

A team of experienced and quick loan advocates is ready to assist you and answer every question you might have.

all things considered installment loans

All Things Considered

We can offer a fast and safe financial solution even if you have a bad credit score or weak credit history.

fast money

Fast Funding

Get your cash as quickly as the same business day after online approval.

What Makes CreditNinja Different?

CreditNinja offers safe and responsible lending alternatives online. We are here to provide you with reliable and immediate financial support when you need it the most.

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Quick Approval

Did you know that your application can be approved in minutes?


Safe & Secure

Your information is 100% safe!

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Personalized Services

All services tailored to your needs.

How CreditNinja Compares

With competitive APR and interest rates, direct deposit, and more personal service, applying online through CreditNinja is the right choice for safe, fast, and more affordable borrowing. Avoid the payday scams and opt for a personal online lending solution that meets your needs.

CreditNinja Installment Loans

  • Competitive APR and interest rates
  • Fully online application
  • Shorter or longer loan terms may be available
  • Flexible payoff dates
  • Excellent customer service
  • No prepayment penalties
  • No hidden fees
  • Designed to help improve your financial situation


What our borrowers are saying

Frequently Asked Questions

A personal loan is any loan that an individual takes out for personal expenses. The most common reasons someone would take out a short-term personal loan would be: medical bills, vehicle repairs, home repairs, or other unexpected expenses.

Generally, CreditNinja offers unsecured loans up to $5,000. However, the amount you’re offered, and your APR, if approved will vary based on your specific qualifications, as well as the regulations in the state where you live.

CreditNinja prides itself on providing a quick and easy application process, and fast funding for approved applicants. Once you fill out the online application and provide us with all the necessary information, you’ll receive a decision right away. Most customers receive their funds by the next business day once they’re approved.¹

A personal installment loan from CreditNinja can help you in times of need. Benefits include: quick access to cash, longer repayment terms than payday loans, and lower interest rates and APR than predatory lenders.

At CreditNinja, applying for a personal installment loan could affect your credit score. 

A CreditNinja personal installment loan can be used for any personal expenses you choose. Whether you need to pay some medical bills, repair your vehicle, or take care of other unexpected expenses, we’re here to help!

The most important factor we consider when reviewing your CreditNinja application is whether you can afford to repay the loan. Your credit score, income, and past borrowing history are a few factors we may consider when reviewing your application and determining your APR.

CreditNinja’s application, funding, and repayment process is completely online, meaning you never have to leave the comfort of your home to be approved and funded. Even during uncertain times, CreditNinja is here to help you.