Personal Loans

Better personal loans, designed with you in mind.
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Build your credit history the right way with more affordable personal loans.

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 all loans have their pros and cons. It’s important that you understand all of the costs, 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 personal installment loans with fixed rate, CreditNinja can also help you understand the differences between several types of loan products, and how to apply for them.

Bad Credit Loans
Bad credit loans are a type of personal loan offered to borrowers with low credit scores. 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, so it’s best to do your research or seek advice from a financial advisor.
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Installment Loans
An installment loan is one of the most popular types of unsecured loans where you borrow money, and then repay it with interest through 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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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.
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Title Loans
A title loan is a type of secured loan where you borrow money based on the value of your vehicle, which acts as collateral. If 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 vehicle.
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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). Since they don’t require collateral, unsecured loans are sometimes for smaller amounts than other types of loans.
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Secured Personal Loans
A secured personal loan is one that’s 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.
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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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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 refinance your loan and get a new monthly rate.
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Variable Rate Loans
Variable-rate loans are ones where the interest fluctuates based on the financial markets. Interest rates on variable-rate loans are tied to a benchmark rate set by the Federal Open Market Committee (FOMC). Depending on the fluctuation of this 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.
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No Credit Check Loans
No credit check loans are ones that use alternative ways to assess your creditworthiness, and don’t require a traditional hard credit check that can negatively impact your credit score. The biggest advantages of no credit check loans are that applying won’t affect your credit, and the application process can be much faster. To apply for a no credit check loan, borrowers typically need to meet certain criteria, including age requirements, having an active US bank account, and proof of regular income.
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Cash Advance Loans
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.
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Co-Signed Loans
Co-signed loans are loans where a second person agrees to be responsible for payment if the original borrower defaults. Co-signed loans benefit borrowers with low credit or no credit history because they get a better interest rate than taking out the loan in their name. A co-signer acts as a form of insurance for the lender and promises to repay the debt if the borrower doesn’t.
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How to Apply for a 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 and current income, among other things. Next the lender will decide whether or not they can provide you with a personal loan. 

If you’re offered an online personal loan, they will deposit the funds directly into your bank account. You’ll begin to repay the loan on the agreed upon date, and once it’s paid off the process is over. If a borrower isn’t able to pay off the loan, the lender may offer to “rollover” the loan. This means extending the length of the loan and adding more fees and interest. You can also apply for a debt consolidation loan if you have multiple debts. Debt consolidation loans can help you repay your personal loans.

CreditNinja’s safe and secure process allows borrowers to apply, get a personal loan, and make payments completely online.  You can also use a personal loan calculator to calculate the costs associated with different personal loans.

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Personal Approach

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

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All Things Considered

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

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Fast Funding

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

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.

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Quick Approval

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

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Safe & Secure

Your information is 100% safe!

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Personalized Services

All services tailored to your needs.

How CreditNinja Compares

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

CreditNinja Installment Loans

  • Competitive interest rates
  • Shorter and longer loan terms available
  • No prepayment penalties
  • No hidden fees
  • Designed to help improve your financial situation
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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 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 than predatory lenders.

At CreditNinja, applying for a personal installment loan won’t affect your credit score. That’s because we use what’s referred to as a “soft credit check.” This means that simply applying for a loan won’t hurt your credit.

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.

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.

More Personal Loans Resources:

Bad Credit Loans  |  Balance Transfer Loans  |  Cash Advance Loans  |  Co-Signed Loans  |  Credit Card Consolidation Loans  |  Debt Consolidation Loans  |  Fixed Rate Loans  |  Installment Loans  |  No Credit Check Loans  |  Payday Loans  | Quick Cash Loans | Secured Personal Loans  |  Title Loans  |  Unsecured Personal Loans  |  Variable Rate Loans