Installment Lenders
CreditNinja Review
Personal installment loans for borrowers turned down by banks.
APR range
150% – 250% (state-dependent)
Loan amounts
$500 – $5,000
Loan terms
6 – 24 months
Funding speed
Next business day
Credit reporting
Reports to bureaus
Overview
CreditNinja offers fixed-installment personal loans up to $5,000 for borrowers who don't qualify with traditional banks. The structure is borrower-friendly compared to payday (no balloon, no rollover, bureau reporting) but APRs still climb into the 150%–250% range. Best for emergencies where the alternative is a payday or title loan.
Pros
- Soft-pull pre-qualification
- Fixed installment repayment
- Available to borrowers with limited credit
- No prepayment penalty
Cons
- High APR ceiling
- Not licensed in every state
- Origination fee in some states
Eligibility & requirements
- Steady source of income
- Active checking account
- Government-issued ID
Compare to other lenders
Use our free pre-qualification form to see options matched to your state and income.
No hard credit pull · 60-second form
Alternatives to CreditNinja
Frequently Asked Questions
Reviewed by the CashCompassPro editorial team. See our editorial guidelines and fact-checking policy. Browse all lender reviews.