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CreditNinja installment loans review

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CreditNinja Installment loan
Min. Amount
Max. Amount
Turnaround time
1 to 2 business days


Fast online funding – but it might not be available in your state.

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.


  • Potential same-day funding
  • Option to change repayment schedule
  • Positive customer reviews


  • Requires direct deposit
  • Limited information available
  • Not available in all states

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name CreditNinja Installment loan
Min. Amount $300
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

CreditNinja pros and cons

These are the main benefits and drawbacks of CreditNinja break down.


  • Potential same-day funding. If your application is approved before 10:30 a.m. CT on a business day, you could receive the funds the same day.
  • Option to change repayment schedule. You can adjust when your repayments are due if they don’t fit with your cash flow.
  • Positive customer reviews. As of September 2020, it has a Trustpilot rating of 4.6 out of 5 stars based on over 5,700 customer reviews.


  • Requires direct deposit. Consider other options if you don’t receive your paycheck via direct deposit.
  • Not available in all states. CreditNinja is only licensed to lend in 12 states.
  • Not available to service members. Credit Ninja’s rates are higher than lenders are allowed to charge for members of the military.

What is a CreditNinja installment loan?

A CreditNinja installment loan is a short-term unsecured loan available in amounts up to $5,000, though minimum amounts vary by state.

StateMinimum loan amount
New Mexico$1,000
North Dakota$1,005
South Carolina$1,000

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.

How much does it cost?

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.
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 only serves residents of the following states:

  • Alabama
  • California
  • Delaware
  • Idaho
  • Mississippi
  • Missouri
  • New Mexico
  • North Dakota
  • South Carolina
  • Texas
  • Utah
  • Wisconsin

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CreditNinja customer reviews and complaints

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.

Is it safe to apply for a CreditNinja installment loan?

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.

Am I eligible?

You must meet the following requirements to qualify for a CreditNinja installment loan:

  • Checking account. You must have a bank account in your name that’s been open for at least 60 days.
  • Regularly deposited income. Your bank account must show that you regularly deposit a paycheck into your bank account. In all states except New Mexico, you must get paid through direct deposit.
  • Age of majority in your state. You must be at least 18 in most states, 19 in Alabama or 21 in Mississippi.
  • Resident of an eligible state. Credit Ninja loans are only available in 12 states.

How do I apply?

First, make sure you meet CreditNinja’s eligibility requirements. If you do, you can apply for a CreditNinja loan online by following these steps:

  1. Go to the CreditNinja website.
  2. Enter your name, email and phone number and click Apply Now.
  3. Enter information about yourself, where you live and your income. Click Continue.
  4. Follow the instructions to complete and submit your application.
  5. Review your potential rates and submit any required documents, if necessary.
  6. Review and sign your loan agreement.

Typically, it can take one business day to get approved. Once approved, you can get your funds as soon as the same day.

What documents do I need to apply?

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.

I got the CreditNinja installment loan. Now what?

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:

  • Bank transfer
  • Debit card
  • Personal check
  • Money order
  • Cashier’s check

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.

Bottom line

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.

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