It was so simple and I was able to get the application done and loan completed in really no time at all. If you only make the minimum payment it is a significant expense but pay it off and then you av... See more
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Review summary
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This is my third time using Credit Ninja, and they’ve always been great to work with. They’re a highly reputable company, and whenever I need help, I can actually talk to a real person, which makes... See more
It was an easy straightforward experience. The rate and reviews were easy to understand. It was a big helper in deciding what company to choose and was able to the money in a timely and fast manner. W... See more
It was so easy to fill out the application. After submitting the application, the response for approval was fast. I didn't expect the $ until Monday because I filled out the application on a Friday... See more
Company details
About CreditNinja
Written by the company
CreditNinja installment loans gives you access to funds in a safe and timely manner. Our online request process allows you to apply for a personal loan from the comfort of your home. That means no more long bank forms or slow moving lines. Typically within one business day you'll receive confirmation of the approved funding to help take care of your financial strains.
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Contact info
4.5
Excellent
12k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 88% of negative reviews
Typically replies within 1 week
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Awesome Lender
The application was simple and fast. It took no time at all to get approved. My money was direct deposited in 5 hours of being approved. My payment is minimal and the service to get everything in order was fast and very knowledgeable.
29 June 2026
Unprompted review
When I was in need of a loan Noone else…
When I was in need of a loan Noone else would approve me credit ninja came to rescue. Thanks again for your help and support!
25 June 2026
Unprompted review
Unsatisfied
I did not get approved for amount requested but was approved for a smaller amount but there was no way to decline the loan. It automatically approved. Now I'm stuck with two loans. Never again
29 June 2026
Reply from CreditNinja
Dear Constance,
We’re sorry to hear you're feeling this way. Our goal is always to be transparent and supportive throughout the lending process. Our conditional loan offers are based on the preliminary information provided during the application. These offers do not yet account for additional factors reviewed during bank verification and full underwriting, such as verified income and ability to repay. Once all required information is reviewed, the final approved loan amount is determined using verified data. In some cases, this may result in a change from the original conditional offer. We apologize for any confusion this may have caused.
We're committed to ensuring all approved applicants have an opportunity to fully review all loan terms prior to signing, including information about the annual percentage rate (APR) and other fees along with details about the applicable 3-day cancellation window. High-APR loans are not recommended as long-term financial solutions; your choice of a loan product should match your needs and ability to repay. It’s important to note that you are still within your rescission period, which allows you time to review the terms and cancel if you choose. Our friendly customer service team is available to answer questions at any time, before and after signing. For further assistance, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.
You guys are treat thank you so much…
You guys are treat thank you so much for the help
29 June 2026
Unprompted review
It’s was easy and fast
29 June 2026
All online
They were fast, easy to deal with and went right into my account that same day.
16 June 2026
Fast and easy just as advertised.
25 June 2026
The application process was easy and…
The application process was easy and fast. I had an answer in a minute and the money the next day.
26 June 2026
It was really quick and they got me…
It was really quick and they got me what I wanted. Ill definitely be using them again for sure. Thanks Credit Ninja
26 June 2026
Kept saying loan was approved and then…
Kept saying loan was approved and then computer glitch and it would be fixed in a few more days blah blah blah. This process went on longer then than a week. To many excuses dont have time for that. I went somewhere else. To bad for you,you list a good customer.
25 June 2026
Reply from CreditNinja
Dear Gayla Lavender,
Thank you for reaching out and for your interest in our loan products. We’re sorry to hear that your experience did not meet your expectations. Transparency and customer support are central to our lending process, and we take concerns like yours seriously. For privacy and security reasons, we cannot discuss specific account details in a public forum. We’d love to discuss your concerns with you directly, as our goal is to ensure you have a positive experience with CreditNinja.
We're always willing to work with our customers to clarify any concerns. Please contact our friendly customer service team at (855) NINJA-01 ((855) 646-5201) or email support@creditninja.com for assistance.
Quick and easy to apply
25 June 2026
Well you took out 168 today now I have…
Well you took out 168 today now I have no gas for work , you WAS NOT SUPPOSED TO TAKE IT OUT TILL JULY 10 th . Today is the June 26 th at 8:23 pm
12 June 2026
Reply from CreditNinja
Dear Kimberly Sims,
Thank you for reaching out. At CreditNinja, we're committed to ensuring that all approved applicants have an opportunity to fully review all loan terms prior to signing, such as the full payment schedule, information about the annual percentage rate (APR) and other fees. Repayment schedules are determined based on information provided by the applicant and verified through instant bank verification (IBV).
Our goal is to make your loan repayment process as effortless as possible, if you believe there is an error with your payment schedule or wish to update it, please contact us. Our friendly customer service team is available at (855) NINJA-01 ((855) 646-5201) or via e-mail at support@creditninja.com.
She was efficient and helpful.Very…
She was efficient and helpful.Very understanding of my need.
6 June 2026
Unprompted review
The applications were easy and it…
The applications were easy and it refinance charges are very very reasonable I am happy with my experience.
25 June 2026
Unprompted review
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