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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



About lender

CreditNinja is an American online lender offering financial services to borrowers in need. The company provides its customers with financial support in the form of installment loans and personal loans. This lender specializes in personal loans and facilitates bad credit loans and debt consolidation loans. The lender allows you to borrow between $500 and $5,000.

CreditNinja was founded by Mark Friedgan in 2017 and is based in Chicago, Illinois. It began lending in 2018. Friedgan is currently the CEO of the company. The company states: “No more slow lines and unclear bank forms. Save your time and make the process more comfortable by offering a quick and easy application process”. CreditNinja can help If you’re currently experiencing a financial emergency. With competitive APR and interest rates, direct deposit, and more personal service, applying online through CreditNinja should be safe, fast, and more affordable borrowing. The company has issued almost 300,000 loans to help out nearly 200,000 people.

Pros and cons


● The application is to be completed online;

● Attractive to borrowers with low credit scores;

● Quick and easy application process;

● Fast funding (within one business day);

● Exceptional customer service;

● Shorter or longer loan terms may be available;

● Flexible payoff dates;

● No prepayment penalties;

● Designed to help improve your financial situation;

● They have a blog that tells all about loans.


● APR rates are not declared until you apply;

● It doesn’t provide information about additional fees;

● Unclear late payment policy.

The lender’s key strengths include relatively extended loan limits, straightforward online loan applications and fast disbursement of loans. First of all, a completely online process allows you to apply for a personal loan from the comfort of your home. If approved, get your money as soon as the next business day. Furthermore, CreditNinja offers multiple loan types. These include traditional personal loans, bad credit loans, and even debt consolidation loans. Moreover, approved applications made in the morning are typically funded on the same day. Despite some negative reviews that doubt the company’s trustworthiness, it still maintains a good rating (a score of 4.5 on Trustpilot).

The main disadvantage is that the lender does not publish its APR range. Therefore, your rates will depend on the state that you live in and your creditworthiness. In addition, the lender does not state what it charges in late payment fees. With that said, CreditNinja notes that “Paying late increases your finance charges and may cause you to incur a late fee.”

To sum up, the company has many advantages; however, it’s challenging to make a solid assessment because of some disadvantages the lender has. So, before choosing your loan and lender, make sure you do plenty of research, study their terms and conditions, and compare the pros and cons of the company.

Loan conditions

CreditNinja doesn’t provide specific conditions for getting a loan. Your eligibility will depend on creditworthiness and your resident state. To check eligibility, you need to fill out a quick online application that will take a few minutes. While CreditNinja doesn’t look at your traditional FICO score, they review your credit history through a separate credit company. Other factors that will affect your application are your income, other outstanding loans, and your overall ability to repay the loan. Also, make sure to verify your state lending laws before signing the loan agreement because your resident state will determine the APR. While every borrower is different and may be offered a loan with different terms and conditions, CreditNinja can guarantee that you will always be offered the best loan possible for your specific situation.

Methods of loan funding

Generally, CreditNinja offers unsecured loans up to $5,000. However, it encourages you to apply because your resident state will affect both the minimum and maximum loan amounts they can offer and whether they make a loan directly or arrange a loan made by an FDIC-insured bank or another non-affiliated lender. Your funds will be deposited directly into your checking account via direct deposit. Once approved, your funds will generally be deposited the next business day.


What is CreditNinja?

CreditNinja is an online lender offering affordable personal loans to help borrowers experiencing difficult financial situations. This lender specializes in personal loans. However, the platform also offers bad credit loans, payday or quick cash loans, and debt consolidation loans. The company started lending in 2018, and since that time, it has originated almost 300,000 loans that have helped nearly 200,000 people. You can borrow money online very quickly, depending on the type of loan you choose. The most common quick cash loans online would be personal installment loans, payday loans, and cash advances. However, some of the loans can be very expensive and risky.

Who owns CreditNinja?

CreditNinja is an American FinTech company founded in 2017. The company was founded by Mark Friedman, who currently serves as the CEO. He was a part of the core team behind Enova International (NYSE: ENVA), a leading publicly traded consumer financial services company.

How do you qualify for CreditNinja?

Your eligibility depends on creditworthiness and your resident state. To check eligibility, just fill out our quick online application. It will only take a few minutes.

For all loan products and business models, loans are available only to consumers of the age of majority who have a valid social security number ("SSN"). Using the Site, you represent and warrant that you are at least age 18 (or age 19 for Alabama or Nebraska residents) and have a valid SSN. To be eligible to apply for a loan, you should also have a checking account to accept your loan funds because they verify this information through the automated and online process of Bank Verification. They will deem your loan application complete only if you provide the checking-account information required by the Bank Verification tool. An online bank account is needed to do Bank Verification. Without an online account, they cannot verify the ownership of the bank account, which will result in them being unable to approve an application.

How much can you borrow from CreditNinja?

Generally, CreditNinja offers unsecured loans from just $500 up to a maximum of $5,000. However, your resident state will affect both the minimum and maximum loan amounts they offer and whether they make a loan directly or arrange a loan made by an FDIC-insured bank or another non-affiliated lender. Moreover, your creditworthiness will also determine how much you are eligible to borrow.

Is CreditNinja a legitimate company?

Yes, it is a reputable online lender. The company offers its users loans and installments. However, unlike traditional banks, it tries to ensure that people with less-than-perfect credit can have quick access to loans.

Company documents

Privacy Policy
Terms and Conditions

We are a superior online lender offering more affordable personal loans, for borrowers with low credit scores. Our quick and easy loan process allows you to get the cash you need, at ninja speed. If you’re currently experiencing a financial emergency, CreditNinja is here to help.

© CreditNinja

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What to focus on before applying for a loan with CreditNinja

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between CreditNinja and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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