Which states does CreditNinja serve?
CreditNinja only serves residents of the following states:
- Alabama
- California
- Delaware
- Idaho
- Mississippi
- Missouri
- New Mexico
- North Dakota
- South Carolina
- Texas
- Utah
- Wisconsin
CreditNinja might be a good choice if you need funding as soon as possible, but don’t have time to visit a lender in person. Get approved in the morning and you could get funds the same day — though most borrowers get funded the next business day. But it only works with residents of 12 states. And you’ll have to do some digging to find information about costs and terms.
$5,000
Max. Amount
1 to 2 business days
Turnaround time
Product Name | CreditNinja Installment loan |
---|---|
Max. Amount | $5,000 |
Loan Term | Varies |
Loan Security | Unsecured |
Turnaround Time | 1 to 2 business days |
Requirements | Checking account at least 60 days old, regular income through direct deposit, resident of eligible state, age of majority in your state |
These are the main benefits and drawbacks of CreditNinja break down.
A CreditNinja installment loan is a short-term unsecured loan available in amounts up to $5,000, though minimum amounts vary by state.
State | Minimum loan amount |
---|---|
Alabama | $2,005 |
California | $1,000 |
Delaware | $1,000 |
Idaho | $1,000 |
Mississippi | $1,000 |
Missouri | $1,000 |
New Mexico | $1,000 |
North Dakota | $1,005 |
South Carolina | $1,000 |
Texas | $500 |
Utah | $1,000 |
Wisconsin | $1,600 |
You can apply online and have the funds transferred to your bank account as soon as the same business day if you get approved before 10 a.m. CT.
Credit ninja loans come with rages from 170% to 175% APR, usually with a 12-month term. And if you’re late on a payment, Credit Ninja charges a late fee of 5% of the amount owed or $7.50 if late payment remains due over 10 days from due date. CreditNinja only serves residents of the following states:
For a $2,000 loan, that would work out to a monthly payment of around $356 to $362 and a total loan cost of $2,271 to $2,349.
These rates and fees are relatively standard for installment loans — some lenders charge rates as high as 300% APR in some cases. But it’s more expensive than a personal loan, which typically tops out at 36% in most states.Which states does CreditNinja serve?
CreditNinja has mostly positive customer reviews as of September 2020. It earns 4.7 out of 5 stars on Trustpilot based on feedback from over 5,700 customers. While it only gets 1.2 out of 5 stars on the Better Business Bureau (BBB), that rating is based on 27 reviews. The BBB itself gives it an A rating based on factors like how long its been in business and transparency, though it’s not accredited with the company.
Customers were mostly pleased with how fast and simple the application was. However, several people complained about high interest rates — some even said they didn’t go through with the loan once they realized how expensive it was.
Generally, yes. CreditNinja uses SSL encryption to protect information you submit on its site. While it shares your personal information with affiliates and nonaffiliates to market to you, you can opt out of this by calling 855-646-5201 or filling out a form on its website. It’s also one of the few installment loan providers that displays licenses from all of the states it offers loans in.
You must meet the following requirements to qualify for a CreditNinja installment loan:
First, make sure you meet CreditNinja’s eligibility requirements. If you do, you can apply for a CreditNinja loan online by following these steps:
Typically, it can take one business day to get approved. Once approved, you can get your funds as soon as the same day.
You might not have to provide any documents when you apply for a loan through CreditNinja. In some cases, CreditNinja might ask to see documents to verify the information you provided in the application. This might include recent pay stubs to verify your income or a recent utility bill to verify your address.
Now it’s time to start repaying your loan. Your loan contract should outline when your repayments are due and how often you need to make them.
You have several ways to make repayments, including:
If you want to change your repayment schedule or have any other questions or concerns, reach out to customer support by calling 855-646-5201.
CreditNinja installment loans might be a fast online option. But you still might be able to qualify for a less expensive option if you’re eligible for a personal loan — or even with other providers. It’s also not available on most states.
You can learn more about your short-term options by reading our guide to installment loans.
CreditNinja Installment loan is not currently available on Finder
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