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CreditNinja

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4.9

Overall Score

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LAST UPDATED: January 25th, 2023

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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Star Rating

3.7

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12 Reviews

Review Breakdown

5 grade

58%

4 grade

0%

3 grade

8%

2 grade

17%

1 grade

17%

Sentiment Criteria

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Quality

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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.

4 months 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 week 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 month 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.

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.

3 months 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!

1 year ago

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Helena Yacobucci Cleveland, OH

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

4 months ago

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Anthony Laprocina St Louis, MO

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

1 month ago

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Adam L. Rousseau Plano, TX

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

5 months ago

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Carrie McCoy Louisa, KY

Super easy application process and funds was deposited quickly

1 year ago

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April Mayo Chicago, IL

Expedited approval and service! Clear on terms and conditions.

1 year 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

1 year ago