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Find the right personal loan for you:

Find the right personal loan for you:

Installment Loans

An installment loan is one of the most popular types of loans where you borrow a certain amount of money, and then repay it with interest over a series of fixed payments called installments. These payments are usually made monthly, but they can be made weekly, bi-weekly, or on a different schedule that is determined before taking out a loan.

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Bad Credit Loans

Bad credit loans are a type of personal loan offered to borrowers with lower credit scores. Bad credit loans are a type of personal loan, and like other types of personal loans, bad credit loans can be secured or unsecured. Taking out a bad credit loan is a major decision that may significantly affect your current financial situation, it’s always best to take your time to weigh the pros and cons of any type of loan.

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Debt Consolidation Loans

A debt consolidation loan rolls multiple debts into a single new loan. This loan typically carries a lower APR than the rates on your existing debts, so you save overall on interest. It also makes budgeting much easier, as you now only need to make one payment per month, rather than multiple.

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Balance Transfer Loans

Balance transfer loans are specifically designed to help you pay all debts you may have at once. Balance transfer loans usually have a low annual percentage rate (APR) that doesn’t change over time. They have fixed monthly payments and don’t revolve around debt, which differentiates them from credit cards.

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Credit Card Consolidation Loans

Credit card consolidation loans allow you to combine all your credit card expenses into a single sum and keep track of your situation easier. Read on to learn how to find good arrangements, and see whether you might benefit from a credit card consolidation loan yourself.

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Unsecured Personal Loans

An unsecured personal loan is a loan not backed by collateral (a home or car are typical examples of collateral). Unsecured loans typically have higher Annual Percentage Rates (APR) of interest. Since they don’t require collateral, unsecured loans generally provide lower amounts than secured personal loans.


Secured Personal Loans

A secured personal loan is backed by collateral, which can be seized by the lender if the borrower defaults. Common examples of secured loans are mortgages and car loans. Lenders are more comfortable offering higher amounts since they can always repossess the collateral if a borrower can’t repay the loan.

Fixed-Rate Loans

Most personal loans have fixed rates, meaning that your interest rate and monthly payments stay the same for the life of the loan. This feature allows you to be able to easily predict how much of your budget to allocate to paying back your loan each month. If you decide later that your rate is too high, it’s sometimes possible to

Variable-Rate Loans

Interest rates on variable-rate loans are tied to a benchmark rate set by banks. Depending on the fluctuation of this external rate, the interest rate on your loan, including your monthly payments and total interest costs, can rise or fall. Variable-rate loans are sometimes referred to as floating-rate loans

No Credit Check Loans

No credit check loans are installment loans that use alternative ways to assess your creditworthiness, and don’t require a traditional hard credit check that may negatively impact your credit score. The biggest advantages of no credit check loans is that applying won’t affect your credit score, and the application process can sometimes be much faster. To apply for a no credit check loan, borrowers will typically need to meet certain criteria, including: age requirements, having an active US bank account, and proof of regular income.

Payday Loans

When a financial emergency strikes, and you have very few options, payday loans seem like the perfect opportunity to get money fast. Payday loans often come with short terms but high interest rates, which is why it is best to use them as an emergency financial solution. If planned out carefully, payday loans can quickly enhance your financial situation. The right payday loan can be tailored to meet your needs, including cool down period, ensuring you have enough time to think through your decision.

Title Loans

A title loan is a type of loan where you borrow money based on the value of your vehicle which acts as collateral. In case you default, the lender can repossess your personal vehicle and sell it. Title loans are typically very expensive, and can lead to a dangerous cycle of debt, or losing possession of your car.

Cash Advances

A cash advance is offered by lenders both online and in-person. Cash advances are typically structured similarly to payday loans, with short terms and higher costs. On top of high interest rates, cash advances typically require you to pay a fixed fee upon request of the cash.

What do you need to know about Personal Loans

At first glance, all personal loans seem to offer great loan rates, flexible terms, and fixed monthly payments with no collateral required.

However, the truth is that some personal loans are better than others, and when you rush your decision without doing thorough research, you risk committing to a dangerous short-term loan, rather than one that will benefit you.

CreditNinja, apart from offering safer and more affordable personal loans, can also help you understand the facts and risks of all the different types of loans you may consider in the future.

What makes CreditNinja Different?

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

Borrow smarter by choosing our services!

Personal Approach

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

All Things Considered

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

Fast Delivery

Get your cash in as soon as one business day after approval.

Quick Approval

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

Safe And Secure

Your information is 100% safe!

Personalized Services

All services tailored to your needs.

How CreditNinja Compares

With competitive rates and more personal service, applying through CreditNinja is the right choice for safer and more affordable borrowing.

CreditNinja Installment Loans


  • Competitive rates
  • Shorter and longer terms available
  • No prepayment penalties
  • No hidden fees
  • Designed to help improve your financial situation