Installment Lenders
CreditNinja Review
Personal installment loans for borrowers turned down by banks.
CashCompassPro rating
Use with caution
Cost / APR
150% – 250% (state-dependent)
Amounts
$500 – $5,000
Funding speed
Next business day
Credit review
Reports to bureaus
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.
Who CreditNinja may be best for
Borrowers comparing lender options, costs, approval requirements, funding speed, and alternatives before submitting a request.
What to watch before applying
Review APR, fees, repayment timing, availability, and the total repayment amount before accepting any offer.
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 CreditNinja to other options
Use the review details, calculators, and alternatives below before submitting a request.
Submitting a request does not guarantee approval or funding.
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Questions
Frequently Asked Questions
Clear answers to common questions before you compare loan options or apply.
Reviewed by the CashCompassPro editorial team. CashCompassPro is not a lender and does not make credit decisions. See our editorial guidelines and fact-checking policy. Browse all lender reviews.