CreditNinja

Name: CreditNinja
Rating: 3.7

3.7

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29 User Reviews

4.7

Overall Score

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3.7

star star star star_half star_border

29 User Reviews

4.7

Overall Score

Compare

The Good

The Bad

Bottom Line

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Company Details

Minimum Loan Amount

Up to $5, 000

Time in Business

6 Years

Company Headquarters

CreditNinja, Attn: Customer Service Group 27 North Wacker Drive, Suite 404 Chicago, Illinois 60606

Number of Reviews 29

info Source of Information

Author: Kaitlyn Short

LAST UPDATED: December 4th, 2024

CreditNinja is an online lender that offers personal loans especially for borrowers who don’t have great credit. Those who want to borrow from CreditNinja can fill out an online application within minutes and receive funding as quickly as the next business day.

CreditNinja started lending in 2018, and since then has originated almost 200,000 loans.

CreditNinja loan terms depend on the borrower, but generally the maximum loan amount is $5,000.

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The Good

Fast Application
Soft Credit Check
Professional Memberships

Fast Application

Those who apply for a loan with CreditNinja can do so within minutes, from the comfort of their home, through the company’s online form. Borrowers can even receive their funds as quickly as the next business day.

Soft Credit Check

While credit checks from many lenders negatively impact the borrower’s credit score, borrowers can apply for funds from CreditNinja without hurting their credit.

Professional Memberships

CreditNinja is a member of the Online Lenders Alliance, which requires members to adhere to a set of best practices and treat their customers fairly.

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The Bad

High APR
Limited Information

High APR

All of CreditNinja’s loans have an APR of higher than 36 percent, which prevents the company from lending to anyone covered by the Military Lending Act.

Limited Information

There are very few details on the CreditNinja website about the loans the company offers. The website is also unclear about APR ranges for its loans, the possible repayment terms, and any fees that may be involved with borrowing from CreditNinja.

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The Bottom Line

CreditNinja offers personal loans online, especially for borrowers whose credit is less than stellar. Borrowers fill out an online application within minutes and then receive a personalized offer from CreditNinja. Borrowers can receive their funding as quickly as the next business day once they sign their offer.

The CreditNinja application doesn’t require a hard credit check, so applying won’t negatively affect borrowers’ credit.

CreditNinja is also a member of Online Lenders Alliance, which holds its members to high standards for customer service.

Unfortunately, the CreditNinja website doesn’t offer many details about its loans, such as the APR ranges or repayment terms that are available. The CreditNinja website does specify that all of its loans have an APR of higher than 36 percent, which means anyone covered by the Military Lending Act isn’t able to borrow from the company.

Because the CreditNinja application is free, easy, and doesn’t hurt the borrower’s credit score, it couldn’t hurt to see what terms CreditNinja could offer. However, without more information, we cannot recommend CreditNinja at this time.

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User Reviews

Star Rating

3.7

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29 Reviews

Review Breakdown

5 grade

62%

4 grade

3 grade

2 grade

1 grade

24%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Trina

Money was not deposited as agreed called and customer rep barely spoke English and repeated what I asked and never answered the question ,they also do a hard pull on credit report,in which the website says soft,I gave one stars because the application was easy everything else horrible.

1 month ago

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Robyn's Nest

Fast, easy and extremely less stress very helpful

1 week ago

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Sandra Furlow North Little Rock, AR

I had a very good experience with credit ninja!! The application process was easy peasy. I was approved rapidly and received my money before the date I was given. I applied on a Saturday, march 16 and received it on the 19th at 12:15 am!! Was shocked when I noticed it in my bank account. I also received the amount I asked.

8 months ago

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Debra Brown New Orleans, LA

I was very sincere about the loan. Customer service was great and My deposit went well . I attempted to call back in to customer service and the representative could not speak good English. He could not explain when and how much was my pay off. I won't to pay my loan out completely. I only need a 30 or 90 day loan . Still have not spoken to anyone who can help me.

3 years ago Edited October 4, 2021

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Anna Street Dallas, TX

All was good for the most part, it was a little internet issue. I put my debit card in for quicker deposit but it said that my deposit won’t be deposited until the 14th and then the 15th which is, since I did put my debit card in I thought it would be deposited today.

2 years ago

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Stephanie Mullins

Easy as 123! It didn’t take NO time to fill out application, get approved, and had the money in my account that night!

7 months ago

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Anthony Martinez Montebello, CA

I was satisfied with the whole process! Quick and easy application! The finance charge a little high able to work through it!

11 months ago

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dani garganta Clovis, CA

It was an easy, smooth process. I appreciate the offer and as I was in need at that time, they we're the answer to my prayers. Thank you for your service and help

1 year ago

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Lynnie Burden Jasper, IN

They was quick with their decision on whether I was available for a loan or not and I’m glad they did because I really needed it and it was quick and my payments were low!

3 years ago

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Christopher Zubiate

The process was very easy! I’d will recommend to friends and family

5 months ago

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Eddie M

Call them to make sure your bank is supported. Went thru the whole process only to be told my credit union wasn't supported. They'll want your bank login ID and password. Would give 0 stars if I could.

6 months ago

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Angela Pearson

The process was quick and customer service was excellent!

4 months ago

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Bob Torsey

I asked for a loan and it was approved. The process was simple.

8 months ago

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Joseph Dayton, OH

The application process was easy. I Never received the $15.00 Gift Card that was stated I would receive upon the funding of my loan. False Advertisement.

1 year ago

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Maryann Palek Cape May, NJ

It did say my loan would be deposited as of today. I filled the application out on three days ago was approved money still not my bank. Trying to call can’t get through to anyone.

1 year ago

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Clare Wyatt Louisville, KY

So far it’s been good, it was very easy, thanks for letting me receive the money.

1 year ago

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Bird Burriss Fort Worth, TX

They keep sending me offers through the mail even thought I opted out of prescreen offers 9 months ago. If a company will not obey the law, is that really a company with whom you want to do business?

1 year ago

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Sergio Capetillo Los Angeles, CA

The best of the best. With my bad credit and a fico score of 550 I got approved!!!

1 year ago

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Bridget Walker Gulfport, MS

CreditNinja is a very expensive form of credit. It cost me more than what I borrowed in interest and fees to pay it back. I don't recommend them to anyone. They are highway robbery. I will never use them again.

2 years ago

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Helena Yacobucci Cleveland, OH

Quick and easy approval, very convenient. I highly recommend.

2 years ago

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Carrie McCoy Louisa, KY

Super easy application process and funds was deposited quickly

3 years ago

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April Mayo Chicago, IL

Expedited approval and service! Clear on terms and conditions.

3 years ago

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bridgette martin Charlotte, NC

my experience with credit ninja was a fast, easy one.

1 year ago

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Isaiah Osseo, MN

I wanted to speak to a live person and they didn’t have that as an option the only thing they offer is live chat and the wait time was unreal

1 year ago

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Daniel Ward FL

Very professional and no promises just results.

1 year ago

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Kyran Pollard Irving, TX

I look over my account history and I realize that my loan is paid off but I’m still getting charged. I am not ok with that at all

1 year ago

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Adam L. Rousseau Plano, TX

It was ok. They coukd be more personamable by calling the client before finalization

2 years ago

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Derek Barlow Broken Arrow, OK

Nothing there weren't transparent at all. Felt like I was conned into the loan

3 years ago

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Anthony Laprocina St Louis, MO

Their interest rate was high. I had paid them back times 100.

1 year ago