Apply For CreditNinja

CreditNinja strives to provide fast funding, so they should decide on your application within one business day, although most applications can be approved instantly. You should receive a quick confirmation of the approved funding to help manage your financial strains. The company promises that if the application were made in the morning, it would typically be funded on the very same day.

When reviewing your application, the lender's most important factor is whether you can afford to repay the loan. Therefore, when reviewing your application and determining your APR, your credit score, income, and past borrowing history are a few factors they consider. In addition, CreditNinja asked you to provide a checking account that is required to accept your loan funds. “Bank Verification” is the lender's third-party tool to verify your open and eligible checking account activity. Also, CreditNinja is required to verify your identity once you submit the loan application. As such, you’ll be asked to provide your social security number and state ID.

The lender may report information about your account to credit bureaus. For example, late payments missed payments, or other defaults on your account may be reflected in your credit report.

CreditNinja does report payments to an alternative credit service called Clarity. Much like the traditional credit bureaus, Clarity tracks borrowers’ credit information and provides them with a score based on their financial trustworthiness. So, the best and fastest way to achieve creditworthiness is to make payments on time and always repay your loan on or before the due date; then, odds are you will be creditworthy.