It was simple, questions were answered and even though it was after 5 on a Friday funds were available on Monday morning for our emergency. This is Marie C Miklas, please remove the name of Dianne R... See more
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Review summary
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What people talk about most
Reviews shaping this summary
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
CreditNinja application was easy to follow. I was approved for the desired amount. If you're needing a quick loan please don't hesitate to reach out now not later. Thank you CreditNinja! 😊
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
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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4.5
Excellent
12K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 87% of negative reviews
Typically replies within 1 week
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It was not a bad service just a kinda…
It was not a bad service just a kinda of outlandish percentage rate of 199%
3 July 2026
I didn’t get approved for the max and I…
I didn’t get approved for the max and I didn’t get my gift card I was told I was going to get
2 July 2026
Reply from CreditNinja
Dear Emerita,
Thank you for reaching out and for your interest in our loan products. Transparency and customer support are central to our lending process, and we take concerns like yours seriously. 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. Our friendly customer service team is available to answer questions at any time, both before and after signing. For further assistance, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.
They sold my information to other…
They sold my information to other predatory loan companies. They are not forthcoming about farming your info out. My phone and inbox are blowing up. I have not applied for a loan anywhere else, so I know it was this company
2 July 2026
Unprompted review
Reply from CreditNinja
Dear Kristin,
Thank you for reaching out and sharing your feedback. We truly appreciate you taking the time to tell us about your experience.
CreditNinja is a direct lender in many states, and in others, we make and arrange loans with our trusted lending partners. We understand how frustrating it can be to receive unwanted phone calls or emails, and we want to assure you that protecting your privacy is very important to us.
To learn more about how your information is stored and shared, please visit our website to view our Privacy Policy.
At this time, we're unable to locate an account based on the details provided in your review. Please contact our friendly customer support team by phone at 1-855-646-5201 or by email at support@creditninja.com so that we can investigate this further to ensure your information is handled properly.
Quick payment
2 July 2026
Easy to apply online
Easy to apply online. Fast answers. Money straight to my account and easy payment schedule. Took a lot off my mind.
2 July 2026
Very fast and reliable
3 July 2026
Unprompted review
It was quick and easy.
30 June 2026
Do NOT get a loan from credit ninja
Do NOT get a loan from credit ninja. you will get $300 & then end up paying $800 back. there are far better loan options out there. i was going to pay it back fully days later, unfortunately it was almost 3x the amount i was sent. i also didn’t even fully apply for said loan it was just sent to me so now i’m STUCK! DO NOT GET A LOAN FROM HERE!!!!!
11 June 2026
Unprompted review
Reply from CreditNinja
Dear Haley,
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, including information about the annual percentage rate (APR) and other fees. 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. For certain Texas loans, CreditNinja acts as a licensed Credit Access Business (“CAB”) for an unaffiliated third-party lender. CAB fee details are outlined in the loan agreement, along with details about the applicable 3-day cancellation window. Additional information is also available at www.creditninja.com/pages/state_licenses. 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.
This is my third time using Credit…
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 a huge difference. They’ve been trustworthy every time, and I’ll continue going back to them whenever I need a loan.
If you’re able to pay off your loan early, they make that easy too. Overall, I definitely recommend Credit Ninja, especially if you’re dealing with credit challenges.
3 July 2026
I was skeptical at first but…
I was skeptical at first but CreditNinja definitely came through and saved the day and right in the nick of time. It was easy and quick to apply. I received my loan money promptly and with no hassle,
3 July 2026
The interest too high
3 July 2026
Reply from CreditNinja
Dear Andre,
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, including information about the annual percentage rate (APR) and other fees. 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. Additional information is also available at www.creditninja.com/pages/state_licenses. 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.
I haven't had an experience yet.
1 July 2026
Reply from CreditNinja
Dear K,
Thank you for reaching out. We value your feedback and appreciate you sharing your experience. Feedback such as yours helps us improve our products and services. If you would like to discuss this matter in further detail, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.
HAD A LAST MINUTE BILL COME UP BEFORE…
HAD A LAST MINUTE BILL COME UP BEFORE DAY SO I FILLED OUT APPLICATION WAS NOT EXPECTING TO GET IT BUT WAS APPROVED THANK YOU CREDIT NINJA
2 July 2026
Fast and efficient
2 July 2026
This is a very terrible service be…
There is a very terrible service be aware they charge a cab fee what they’re calling a “cab fee”they charge double or up to $1500 extra to your loan amount. Be aware.
2 July 2026
Unprompted review
Reply from CreditNinja
Dear Daniel Garza,
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, including information about the annual percentage rate (APR) and other fees. 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. For certain Texas loans, CreditNinja acts as a licensed Credit Access Business (“CAB”) for an unaffiliated third-party lender. CAB fee details are outlined in the loan agreement, along with details about the applicable 3-day cancellation window. Additional information is also available at www.creditninja.com/pages/state_licenses. 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.
The loan amount is very low and the…
The loan amount is very low and the repayment is very high, more than double the loan. I think they take advantage of people's need and charge obscene interest rates that destroy the possibility of recovery when one is only trying to pay off debts and be in good standing.
2 July 2026
Reply from CreditNinja
Dear Isaac,
Thank you for reaching out and for taking the time to share your feedback. At CreditNinja, we're committed to ensuring that 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. 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.
Refinance with CreditNinja was a quick…
Refinance with CreditNinja was a quick and fast process for me, took only less than 10 minutes to do the documents for it. Money received same day. thank you CreditNinja. You were a blessing to me.
1 July 2026
Unprompted review
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