I would give 0 stars if I could.
I would give 0 stars if I could. I borrowed $600 because that’s all I needed. Before accepting the loan, I carefully read the terms, which indicated it would be paid off in about 3–4 months. I’m now in month 7 and still have two payments left. By the time this loan is paid off, I’ll have repaid around $1,200—double what I borrowed. When I called to ask why, I was told there was an additional fee because Credit Ninja doesn’t operate directly in my state and had to use a third party. That fee was never clearly disclosed or explained before I accepted the loan. The lack of transparency is unacceptable. If I had known I’d end up paying nearly twice what I borrowed due to hidden third-party fees, I never would have taken the loan. Save yourself the frustration and look elsewhere for a lender that is upfront about the true cost of borrowing.