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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.

CreditNinja's pay off



Your repayment terms for a CreditNinja loan will be determined by your specific financial situation and the laws and regulations in the state where you live. Every borrower is different and has a different financial background. This means that your specific loan and terms may differ from someone else’s. For loans made by First Electronic Bank, member FDIC, acceptable payment methods include ACH, debit card, personal check, money order, and cashier’s check. Cash not accepted.

Conditions of loan extension

If you need to change your repayment schedule, you will need to call (312) 235-1061 to speak with a customer support team member. They will be able to assist you with adjusting your repayment schedule.

Early payoff

This lender provides the following information on its official website: “No prepayment penalties,” which can mean that you may pay early with no fees. To check whether CreditNinja charges fees for early payoff, contact their custom department at (855) 646-5201.


How do I make a payment on CreditNinja?

CreditNinja is more flexible than other loan providers because of the many repayment methods it supports. You can repay the loan with a debit credit, personal check, or money order. Acceptable payment methods also include ACH and cashier’s checks for FDIC-ensured First Electronic Bank loans. Simple interest loans accrue interest daily. Remember that moving your payments or making late payments will add more days to the life of your loan and can allow for additional interest to accrue on your loan.

What happens if you don't pay back CreditNinja?

Defaulting on a personal loan is a serious situation. You’ll likely see a drop in your credit score, debt collectors will contact you, and it could affect your ability to get loans and good interest rates for years to come. In addition, if you don’t pay back a personal loan, you will default on the loan. This means that the lender may sell your debt to a debt collector. The debt collector will then take over responsibility for the owed amount and begin contacting you to collect the payment. Having a loan default and moving to collections will also negatively impact your credit score and could stay on your credit report for years to come.

Can you pay CreditNinja early?

The lender does not state clearly whether it charges early payment fees or not. However, the information on their website says, “No prepayment penalties.” Check this information with an employee of the company at (855) 646-5201.

Can CreditNinja sue you?

You will officially breach the loan agreement or contract if you default on a loan. The lender usually sends your debt to a collection agency when this happens. At that point, you owe the agency and not the lender. In addition, a collection agency can sue you and seize your property. This also means that your credit report will not show that you have a loan default.

Calculate loan payments in CreditNinja

CreditNinja calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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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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All CreditNinja’s reviews by October 2022
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