I'm thankful for the approval of the…
I'm thankful for the approval of the loan. However, I had to call yor company to find out how much the monthly payment would be. I need to know when the first payment will be taken out?? Thank you.
About CreditNinja
Data updated- Website
- www.creditninja.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 204 reviews
- Replies to negative
- 94% (17/18)
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About this business
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.Apply Now
Written by the business, not verified by us.Is CreditNinja legit?
CreditNinja (www.creditninja.com) has a 4.6 out of 5 rating on OK.one, based on 204 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 7% are 1 star; The business has replied to 94% of negative reviews; Reviews mostly discuss User experience, Customer service, Price. Last updated 2026-08-12.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently mention that the online application process is extremely quick, straightforward, and simple to complete. People also appreciate receiving their funds promptly, very often by the next business day or even sooner. Reviewers often note that the support staff is very helpful and pleasant to talk to when assistance is needed. However, some reviewers were not happy with the very high interest rates and unexpected extra fees associated with the loans. Some people also felt that the monthly repayment terms could be burdensome or that final approval amounts differed from expectations.
Auto-generated from all reviews of this business. For reference only.What people say
Very quick response time yes very good
Easy application
It wasn't really clear what the…
It wasn't really clear what the payments were going to be until you confirmed loan.
Reply from CreditNinja2026-08-07
Dear Miguel, 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 [email protected].
N o problems and very fast service!!
$1,100 loan—my payoff is now $2,703.12
CreditNinja called it a $1,100 loan—my payoff is now $2,703.12 UPDATE 08/07/2026 — Following CreditNinja’s response to this review: CreditNinja responded that the terms were available before signing, that it operates as a licensed Credit Access Business in Texas, and that the agreement included a three-day cancellation window. I acknowledge that the APR and CAB fee appeared in the electronic contracts. My concern remains how the transaction was described and its practical effect. I followed the Texas licensing link CreditNinja provided. Its own sample disclosure identifies a $1,100 transaction as a “Payday Loan” and shows a $1,595 fee paid to CreditNinja, $66.93 in lender interest, total repayment of $2,761.93 and a 501.53% APR. That sample has a different payment schedule from mine; my agreement discloses a 440.27% APR and $2,765.57 in total scheduled payments. Nevertheless, CreditNinja’s own webpage confirms that its fee is greater than the cash the customer receives. CreditNinja’s approval email described my transaction as a “$1,100 CreditNinja loan.” I received $1,100, but its $1,595 CAB fee created an immediate $2,695 principal obligation and a payoff exceeding $2,700. Licensing and contractual disclosure do not address that disparity. Calling this unsuitable as a “long-term” solution does not make a 440.27% short-term loan affordable. The cancellation option required returning the entire $1,100 within three days, after which the $1,595 fee became fully earned and nonrefundable. CreditNinja’s response offered no fee reduction or meaningful account assistance. CreditNinja has contacted me, and I remain open to a substantive written resolution. If meaningful relief is provided, I will update this review truthfully. ORIGINAL REVIEW: CreditNinja called it a $1,100 loan—my payoff is now $2,703.12 I strongly regret using CreditNinja. I was experiencing financial hardship when I received an approval email explicitly stating: “Your $1,100.00 CreditNinja loan is officially approved.” The attached screenshot shows exactly how CreditNinja presented it to me. Another screenshot from my account now shows a payoff amount of $2,703.12, with my first $230.46 payment due August 14—less than three weeks after the loan’s July 27 effective date. After carefully reviewing the contracts, I discovered that CreditNinja charged a $1,595 “credit access business” fee to arrange the loan. That fee was added to the balance, immediately turning the $1,100 deposited into my account into a $2,695 principal obligation. The agreement discloses: • Amount deposited to me: $1,100 • CreditNinja CAB fee: $1,595 • Starting principal balance: $2,695 • APR: 440.27% • Total scheduled repayment: $2,765.57 • Current payoff shown: $2,703.12 The contract also says the entire $1,595 fee is earned when the loan originates, so it is not refunded if I repay early. I acknowledge that these figures appeared in the electronic contracts. However, the approval message prominently described the transaction as a “$1,100 CreditNinja loan.” That presentation did not communicate the practical reality that receiving $1,100 would almost immediately leave me owing approximately $2,700. In my opinion, this is an extremely predatory and exploitative loan structure aimed at people experiencing financial emergencies. I was desperate and needed temporary help. Instead, I received $1,100 and was placed nearly $1,600 deeper into debt immediately. Before accepting a CreditNinja loan, download and read every document. Look specifically for the CAB fee, principal loan amount, Amount Financed, APR and Total of Payments. Do not rely solely on the deposit amount or the advertised payment size.
Reply from CreditNinja2026-08-07
Dear Fabian, 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 [email protected].
Had no i ideal that you would be paying…
Had no i ideal that you would be paying back 3x what you borrowed. This place is just like a title loan. Keep you bared down in debt when you need helping hand to try to get out of it. I WOULD NOT RECOMMEND!!! STAY AWAY!!!
Reply from CreditNinja2026-08-07
Dear KW, 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 [email protected].
I really needed it a loan and with…
I really needed a loan and with creditninja it was simple easy and fast thank you so much
The approval was fast
Easy Going!
My experience was great.The entire process was easy and CreditNinja gave me all the details of my loan up front. Keep up the good work.
She was a amazing she help me alot
Credit Ninja made it easy to apply for…
Credit Ninja made it easy to apply for a loan.
CreditNinja really showed up
CreditNinja really showed up. My experience was successful, quick, and helpful. Thank you CreditNinja!
Everything went quick and easy will be…
Everything went quick and easy will be using it again I was very satisfied with the whole experience. Thank you
It was a very simple process
It was a very simple process. Is to follow and i got more then what i was asking for it will help me move in to my new apartment.
Fast and easy
I never received the loan
I never received the loan, after several days they finally let me know the payment was returned to them and I would need to re-apply.
Reply from CreditNinja2026-08-05
Dear Heather, Thank you for taking the time to share your feedback. We understand how frustrating this experience may have been. At CreditNinja, we’re committed to ensuring accuracy in our loan servicing. CreditNinja does not have the ability to override ACH return decisions made by a consumer’s bank. If you received a denial notice, the decision was carefully made by either us or a third-party lender, based on the details of your application. We’d appreciate the opportunity to discuss your concerns directly and ensure you feel fully informed. Transparency and customer support are central to our lending process, and we take concerns like yours seriously. Please contact our friendly customer support team at ((855) NINJA-01 ((855) 646-5201) or e-mail [email protected].
Awesome/ Fast Service
The process was easy, fast and accurate. I got the money I really needed in no time. Thank you, Credit Ninja !
this company has hit my credit report…
this company has hit my credit report 10 times in one day. I have no idea who this company is and when I called, they have NO record. WTF I HATE SCAMMERS AND ALL SHOULD GO TO HE..
I would like to thank Credit Ninja for…
I would like to thank Credit Ninja for be there when I needed them the most. Not only covering bill or behind on my car payment, they were there. I appreciate you Credit Ninja, and keep up the good work!!
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