Loans from
$300 – $5,000
Repayment term
4 – 24 Months
Minimum credit score
No min. to apply
The figures provided are representative of a typical installment loan made or arranged by CreditNinja and are not guaranteed rates or terms that you may qualify for. For more information click here.
What Are Cash Advance Loans?
Cash advance loans are a type of short-term loan people use to access money quickly. While cash advance loans are often available to a wide demographic of borrowers, they also usually come with extremely high interest rates, especially for borrowers who fail to repay their balance in full right away.
Many consider CreditNinja personal loans to be a more sustainable alternative to cash advance loans because we’re able to offer competitive interest rates, flexible terms, as well as fast approval for borrowers with all types of credit scores.
Benefits of Online Cash Advance Loans
On the surface, cash advances can seem like a good choice because they can come with benefits like:
- Speed and convenience: Borrowers are often able to go through the entire funding process in a few hours or less.
- No need for collateral: Cash advances are unsecured loans, which means borrowers don’t need to put any of their property up for collateral.
- Accessibility for low-credit borrowers: People with poor credit, no credit, or even past bankruptcy are usually able to easily get approved for cash advance loans.
While these are great benefits, they come at the cost of high interest rates and short repayment terms that can ultimately leave you in a cycle of debt. Instead, you may want to look into more affordable options.
Why Choose CreditNinja for Your Personal Loan
We get it, life happens and sometimes expenses pile up, or seem to come out of nowhere. CreditNinja believes that everybody deserves access to quick and affordable financial solutions, even those with a less-than-perfect credit history!
Check out just some of the benefits you can enjoy when you get a CreditNinja personal loan.
Easy To Apply
Click “Apply Now” to start a short application.
Same Day Funding
Get your money in just a few hours, or as soon as the next business day.*
Low Credit Support
You don’t need perfect credit for final approval!
Direct Deposit
Direct deposit allows you to get your cash ASAP.*
Find out if You qualify Fast
See if you qualify for a loan in just a few minutes!
Get Your Money Quickly
Approved funds are deposited straight into your bank account.
How Do Cash Advance Loans Work?
Borrowers can apply for cash advance loans online, over the phone, or in person, depending on the lender. After approved borrowers receive their money, they repay the balance plus interest and fees over a predetermined period, usually about two weeks or less. Those who fail to repay their balances in full within this short repayment period risk getting stuck with high interest rates or payments that are unaffordable, often leading to more debt.
Unless you can fully repay your cash advance loan within about 14 days, you may want to look at more sustainable financing options, like a bad credit personal loan.
How Do CreditNinja Loans Work?
Getting approved for a CreditNinja personal loan is fast, easy, and everything can be completed online! Just submit an application and we’ll take a look at your info. After you accept your approved terms, ARP, and the loan amount you can sign your contract and receive your money!
Here’s a breakdown of how it works:
Apply Online Fast & Easy
Answer a few questions and get an approval decision.
Income Verification
We’ll use Instant Bank Verification (IBV) to verify your income.
Same-Day Availability
Sign your contract and receive your approved funds right away!*
Eligibility Requirements: Who Can Apply?
Before applying for any kind of loan, it’s a good idea to research different lenders as well as the products they offer. You may even want to check out online reviews to see what other customers have to say about a particular lender (Heads up! We included some recent CreditNinja reviews below!)
When picking a lender, you’ll want to consider eligibility requirements so you don’t waste your time applying for a loan that’s unattainable for you right now. Here’s a quick breakdown of approval requirements for cash advance loans vs. CreditNinja online personal loans:
Cash Advance Loans
Cash advance loans require that borrowers be 18 years or older, have proof of income, have an active bank account, and may also require the borrower to meet certain credit score requirements.
CreditNinja Loans
CreditNinja installment loans also require borrowers to be 18 years or older, have a steady income, and have an active bank account. We also work with borrowers with all types of credit scores, there is no minimum to apply!
Online Cash Advance Rates and Fees
Rates and fees can be on the higher side for many types of cash advance loans. Since cash advances are often used while people are in between paychecks, lenders often expect borrowers to repay their balance in full as soon as they get paid. This forces borrowers to repay their loans right away or get stuck with higher interest rates or fees.
CreditNinja personal loans are different because our loans come with flexible terms, low monthly payments, and absolutely no hidden fees. We know you’re looking for the most affordable APR you can get, which is why we work to provide industry-wide competitive interest rates.
What CreditNinja Loan Customers are Saying
CreditNinja is proud to help people from all over the United States find quick and easy financial solutions. Check out a few online reviews to see what people are saying about CreditNinja personal loans!
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I had received offers from Credit Ninja in the past, but I didn't need them yet. Life often takes bad turns and this time I did need them. At first I was skeptical of applying with them because of the name, but then I decided to try them anyway. I opened the application, they do ask a lot of personal and financial questions. Not only do they want to protect the customer, but they also need to protect the company. Thank you very much for your assistance. - Jo Elda |
It didn't take any time at all and I conducted everything online. I didn't have to call anyone just to verify everything that I've already told them online. I got the loan I needed for my precious dog's surgery. I want to keep him with me for as long as I can and thanks to CreditNinja I can. I've always heard good things about them and now I know it's true. I would recommend all my friends. - Dorothy Smith |
Quick and easy to apply and quick response!
2nd time using credit ninja, there when you need fast response! - Kerry |
Online Cash Advance Loans FAQs
How do I borrow money asap?
The best way to borrow money immediately is to apply with a lender specializing in quick cash loans. CeditNinja not only offers fast loans, we also offer competitive interest rates and customizable repayment terms!
How do you apply for a cash advance loan?
Some lenders have online, over-the-phone, or in-person options when it comes to applying for cash advance loans. CreditNinja also offers a fast cash solution with our easy online application, where people can apply anytime from their smartphone or computer.
Is CreditNinja a licensed lender?
Yes! CreditNinja has been an accredited lender since 2018 and has serviced more than 250,000 people!
What happens if I can’t repay my loan by my due date?
If you find yourself unable to keep up with your monthly payments, give us a call and see what we can do for you. There may be refinancing options or term adjustments that can help make your loan more affordable!
Can I get an online cash advance loan with bad credit?
There are many loans available for people with bad credit. CreditNinja specializes in bad credit loans that have the potential to actually help improve your overall credit with time!
Does a cash advance hurt your credit?
Yes. Any loan has the potential to hurt your credit when used irresponsibly. Failing to make payments or defaulting on your loan are some of the most common reasons people see their credit drop after getting a loan.
CreditNinja works to protect consumers and their credit by offering flexible terms and affordable monthly payments that set borrowers up for success when it comes to repaying their loans.
Still have Questions? Contact CreditNinja Today
Whether you’re dealing with bills, debt, or surprise expenses, a small personal loan could be the perfect solution. Instead of stressing about your finances, let CreditNinja help out so you can focus on what matters, you! Fill out our short application to find out how much cash you could get today!