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ApplyApply NowPersonal LoansPersonal LoansBad Credit LoansOnline Installment LoansResourcesResourcesFinancial LiteracyFinancial CalculatorsGlossaryTrends & StatsAbout UsAbout UsReviewsContact UsFAQBlogApply NowLog InOnline personal loans with same day* decisionCreditNinja personal loans help with life’s unexpected expenses.Easy online application processIf approved, you may get your money as soon as the same day*Flexible repayment scheduleApply NowCan’t get approved for traditional loans?CreditNinja may have the solution you need.A quick video about CreditNinjaWhat is CreditNinja? Emergency Loans, FASTTerms and Conditions ApplyHow CreditNinja loan options workIf approved, once you sign for your loan, your money may get directly deposited the same day.*Apply online easilyOur online application is quick and simple. All you need is to provide some basic information.Find out if you qualify...fast!Don’t worry, your credit score is not the only thing considered! If approved, you’ll see your personalized loan amount, rate, and terms. Get your money quicklyOnce you sign for your loan, your money may get directly deposited the same day.*ESTABLISHED2018LOANS475,000+CUSTOMERS275,000+What our customers are saying about usCreditNinja was awesome! I was approved in no time and the funds were in my bank account the same day! Plus, the payments are within my budget.Lanea F.By far the fastest and easiest online loan I have ever gotten. Thanks CreditNinja!Jay B.CreditNinja was a fast and easy online loan. It was very helpful getting the cash ASAP right into my bank account. Definitely would recommend! Very happy with the service and online layout for repayment. Thank you!!!Severiano C.CreditNinja to the rescueWe offer the immediate financial support you need with same-day online installment loan options.*Flexible payment scheduleGet the cash you need at a fixed rate, with a flexible repayment plan and manageable installments tailored to fit your budget.Convenient loan termsCreditNinja is here to provide a safe and reliable option for borrowers struggling with low credit. Rates and longer repayment terms are designed to help you in times of need. CreditNinja gives borrowers options for larger loan amounts, competitive rates, and longer repayment periods than many other online lenders.No need for excellent creditDon't worry, perfect credit history is not required to be approved. Your credit score is not the only thing considered. Apply today to find out if you qualify!Top five loan questionsHow much can I borrow?Generally, unsecured loans are offered up to $5,000. However, we encourage you to apply because your resident state will affect both the minimum and maximum loan amounts offered and whether we make a loan directly or a loan is made by a federally-insured bank or other non-affiliated lender.What is an installment loan?An installment loan is a loan that requires a fixed number of regular payments that are substantially equal in amount. Payments on an installment loan are calculated over a set duration. The installment loans offered are fully amortizing, meaning that you will pay-off all principal by the maturity date if you pay the loan as scheduled.What is an APR?An annual percentage rate (APR) is the total cost of credit, including interest and all other finance charges such as a loan origination fee (if one is charged in your state). The APR expresses your loan’s Finance Charge as an annual rate.I don’t have a bank account, can I still apply for a loan?No, a checking account is required to accept your loan funds.How will my loan be funded?If approved, your funds will be deposited directly into your checking account via direct deposit.Apply NowCreditNinja DojoCheck out the CreditNinja Dojo for helpful blogs with financial tips and know-how. Step into the Dojo to begin your personal finance training.BUDGETINGHow to control spending habitsLearn good financial habits even if you don't have a steady income.Read MoreBUDGETINGWhat is cash stuffing?Find out more about new way to organize budget and how it worksRead MoreCREDITHow to get your credit report?Learn what information is on your credit reports and how to get oneRead MoreLearn more about online loansPersonal LoansInstallment loansBad Credit LoansNo Credit Check LoansCash Advance LoansPayday LoansA little about usSince we began in 2018 we’ve offered financial solutions to over 275,000 borrowers. If you’re one of the many Americans in a difficult financial situation, CreditNinja’s online loans may be the answer you’ve been looking for. And our online application makes the entire process easier than ever. No more waiting in long lines or filling out a bunch of paperwork. Apply from the comfort of your own home, and if approved, you may receive the funds as soon as the same day.* Choose a safe and reliable financial solution todayDon’t let unplanned expenses ruin your budget. Apply for an online loan today with CreditNinja, and find out how we can help you.Talk to us855-NINJA-01 (855-646-5201)Refer a friendGet paid when you refer friends© 2025 CreditNinja Lending, LLC. All Rights Reserved.Personal LoansLoans for Bad CreditInstallment LoansNo Credit Check LoansCash Advance LoansPayday LoansTitle LoansLoans by StateCreditNinja Privacy PolicyFEB Privacy PolicyAccount Opening DisclosureTerms & ConditionsCA Residents: Do Not Sell My Personal InformationState Licenses and DisclosuresFAQCC ConnectSitemapCareers*Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications approved before 10:30 a.m. CT Monday – Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day. Some applications may require additional verification, in which case, the loan if approved, will be funded the business day after such additional verification is completed.†MILITARY LENDING ACT COVERAGE. Because all the loans CreditNinja makes or arranges exceed the Military Lending Act’s MAPR limit, CreditNinja does not offer loans to individuals covered by the MLA. To determine whether an individual is covered the MLA, we obtain a report from a national consumer reporting agency. We also ask the above question as an added precaution to ensure compliance with the MLA.Under the MLA, “servicemember” generally means a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer. “Dependent” generally means a servicemember’s spouse, child under age 18, or other individual for whom a servicemember provided more than half the individual’s support in the past 180 days.If you want to check whether you are covered by the MLA, you may submit a single-record request on the official .CreditNinja Lending, LLC NMLS ID# 1752769 | .STATE LAW DISCLOSURES. California residents: Loans will be arranged or made pursuant to a California Finance Lenders Law License. Texas residents: CreditNinja operates as a Credit Access Business (#159810). Delaware residents: CreditNinja is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. § 2201, et seq., and expires 12/31/2025.NOTICE OF FURNISHING NEGATIVE INFORMATION. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.LOAN DISBURSEMENT. Applications approved before 10:30 a.m. CT Monday-Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day. Some applications may require additional verification, in which case the loan, if approved, will be funded the business day after such additional verification is completed.ACCEPTED PAYMENT METHODS FOR FEB LOANS. For loans made by First Electronic Bank, acceptable payment methods include ACH, debit card, personal check, money order, and cashier’s check. Cash not accepted.FEB Installment Loans are provided by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah.CC Connect Installment Loans are provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah.Depending on your state of residence, applications submitted on this website may by originated by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah. For more information, please visit our page.HIGH COST DISCLOSURE. The loans made or arranged by CreditNinja have a high APR and are not recommended as a long-term financial solution. Additionally, these loans typically include a loan origination fee that is generally not refunded if you prepay the loan. Your choice of a loan product should match your needs and ability to repay. Consider carefully the amount, term, and finance charges for any loan. If you choose a high interest loan, reduce your finance charges by paying more than the minimum installment payment. Paying late increases your finance charges and may cause you to incur a late fee. Customers with credit difficulties should seek consumer credit counseling. For helpful resources concerning financial literacy, credit score trends, and a glossary of financial terms, please see the Resources tab at the top of our website, .IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents., Get the cash you need, at ninja speed. CreditNinja offers quick online personal loans, even if you have bad credit. Apply today and get up to $2,500 by tomorrow!, Simply login to your account any time and submit your monthly payments online. Call to talk to a loan representative and make your payment over the phone. Phone: (855-646-5201) Monday – Friday: 8 a.m. – 6 p.m. CT..
CreditNinja is a Chicago-based online lender offering high-cost personal loans — in some cases, you could end up paying double (or more) the amount you borrow, no matter how quickly you pay off the loan., If you have already created a CreditNinja account in the past, to reapply please log in to your account. Once logged in, if you are eligible to reapply, you will see a button to click., You will receive your password in your email., • Quick and easy application process — Apply online, from anywhere. • Fast funding — If approved, you could receive your funds by the next business day. • Exceptional customer service — Our Customer Care Team is here to help, every step of the way. To learn more visit CreditNinja today., www.credit-ninja.com, You can manage your NinjaCard® features—including your NinjaCard Visa® Debit Card, your FlexBanking™ checking and savings accounts, and your optional FlexLine™ line-of-credit—with either the online banking platform, located at , or the NinjaCard® mobile application, available on the Apple App Store and Google Play..