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 Short Term Loans
Creditninja offers speed, convenience, transparency, flexibility, and excellent customer service. Our short term loans are designed to help you handle unexpected expenses, even if you have less-than-perfect credit.
Our loans provide the speed and convenience often associated with short-term loans, while allowing repayment through steady monthly installments, which can be easier for most budgets. Some benefits you can enjoy include:
| Easy To Apply | Same Day Funding* | Low Credit Support |
|---|---|---|
| Complete the application on your computer, tablet, or mobile device in just a few minutes. | Receive funding the same day or as soon as the next business day.* | No minimum credit score required to qualify! |
| Direct Deposit | Find Out if You Qualify Fast | Get Your Money Quickly |
| Approved funds are sent straight to your bank account, which you can use right away. | We’ll let you know about eligibility quickly after you apply, so you can make an informed borrowing decision. | We know you need fast funds. Once approved, you could have funds as soon as the same day.* |
How to Apply for a Short-Term Loan with CreditNinja
You can apply for a CreditNinja short-term loan by completing a few steps, starting by filling out a quick online application. Here is a quick overview of the process:
| Apply Online | Verify Your Income | Receive Your Funds |
|---|---|---|
| Complete the application on your computer, tablet, or mobile device in just a few minutes. | You’ll have to provide some basic personal and banking information so we can securely verify your income, and it’s how we’ll send you the approved funds. | Sign your loan contract and receive your approved funds the same day, straight to your bank account.* |
Trusted by Thousands of CreditNinja Borrowers
Choosing the right lender matters, especially when you need to pay off debt but are still looking to improve your financial situation in the long run. CreditNinja is trusted by more than 275,000 people for fast funding, flexibility with credit, transparency, and amazing customer service.
Check out some customer reviews below:
What our borrowers are saying
Short Term Loans FAQs
What is a short term loan?
A short-term loan is usually repaid within 12 months. Some short-term loans, like payday loans, can require a single lump-sum payment, which may be challenging to manage for many people. Options like CreditNinja’s personal installment loans allow you to repay the balance through steady monthly payments.
How can I get a short term loan?
You can get a short term loan from online lenders, banks, or storefront lenders by filling out an application with them. To apply for a loan with CreditNinja, all you need to do is complete our secure online application. This takes a few minutes and can be done from your phone, tablet, or computer.
When should you use a short term loan?
The best time to use a short term loan to cover urgent expenses that require quick cash. For example, short term loans work well for:
- Gaps between paychecks
- Utility bills
- Car repairs
- Medical bills
- Rent or mortgage payments
Avoid short-term loans for long-term financial needs such as large debt consolidation, home purchases, or student loan repayment.
Is it hard to get a short term loan?
Not always! Lenders like CreditNinja consider factors such as income, employment status, debt, and ability to repay, not just credit score, for approval.
Can short term loans build credit?
Yes, short-term loans can help build your credit if they’re reported to the credit bureaus and you make your payments on time. However, it’s important to know there are often more effective ways to improve your credit than taking on high-interest debt.
What are the eligibility requirements of short term loans?
To be eligible for a short term loan, in general, you must prove income, be at least 18 years old, have a reliable income source, a valid government ID, and an active bank account.
How do I choose a lender for short-term relief loans?
When choosing a short-term loan lender, look for one that’s transparent, easy to understand, and offers responsive customer support. It’s a good idea to verify they’re licensed in your state, check borrower reviews, and make sure the loan agreement clearly explains fees, payments, and any potential penalties.
Be cautious of lenders that ask for upfront fees, promise guaranteed approval, or skip standard credit checks; these can be red flags.
Still Have Questions? Contact CreditNinja Today
Have questions? Our customer support team is here to help with any questions about everything from applying to repaying your CreditNinja loan. Give us a call at 855-NINJA-01 or email [email protected].
Short-term loans can be a helpful option for covering immediate expenses, but they may not be the best fit for longer-term needs like debt consolidation. Before applying, take a moment to review your financial situation, expected income, and ability to comfortably manage repayments.
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.