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.
Why Choose CreditNinja for Your Debt Consolidation Loans Online?
CreditNinja is a superior online lending choice for fast cash. Our exclusive perks make us the preferred solution when borrowers cannot acquire traditional loans.
Our online approval process can provide same day funding to eligible borrowers with bad or good credit.* Customers also receive quality customer service, competitive rates, flexible repayment plans, and much more.
Easy To ApplyApplying for a personal loan with CreditNinja is fast and easy. All you have to do is complete a short application form on our website. | Same Day FundingWe understand that you may need emergency cash as soon as possible. That’s why we provide same day funding to eligible borrowers!* | Low Credit SupportOur credit score requirements are flexible, so you may qualify with bad credit. We consider various factors when making approval decisions. |
Direct DepositYour loan money is conveniently sent using direct deposit. All you need to do is provide your bank account information during the approval process. | Find Out if You Qualify FastWe provide same day approval decisions!* You don’t have to wait long periods to get a personal loan estimate. | Get Your Money QuicklyYou can get your money as soon as the same day you are approved.* We conveniently deposit your money straight into your bank account. |
What is a Debt Consolidation Loan?
A debt consolidation loan is an installment loan that borrowers use to pay off credit card debt and other high-interest loans. By combining existing debt using a debt consolidation loan, it’s possible for a borrower to get a lower monthly payment and APR. Consolidation is an alternative to debt settlement, which can further damage your credit score.
While CreditNinja does not provide debt consolidation loans, you may still get up to $5,000 for unexpected expenses. Unlike other lenders, we provide personalized APRs for your unique budget. Repayment plans are flexible, so borrowers can repay early. This gives you the freedom to reduce your interest fees and total monthly payments.
How to Apply for CreditNinja Debt Consolidation Loan
CreditNinja specializes in providing personal loans for fast debt relief. You can instantly apply online for CreditNinja personal installment loans through our secure website. Our easy online process provides same day approval decisions!* Bad credit is okay, so don’t worry too much about credit approval.
Here’s how it works:
Apply Online EasilyOur online application process is super easy! Just provide a few personal details and get an instant approval decision.* | Income VerificationIncome verification is quick and easy. Just provide your bank account information. If you have the ability to repay a personal loan, you may get approved with bad credit!* | Same-Day FundingApproved borrowers may get same day funding!* We send loan money to your checking account through direct deposit, so you can use it as soon as possible. |
What CreditNinja Loan Customers are Saying
Consider a CreditNinja personal loan if you’re searching for the best online debt consolidation loans. Our customers love our fast debt relief services. Take a look at some recent testimonials below.
The funds were deposited into my account this morning and I have already paid off some bills and also consolidated some debt… Most definitely a great service! –Juan (Trustpilot) | Found myself all at once, overwhelmed by debt, Credit Ninja, hooked me up. Simply and quick. –Andrew (Trustpilot) | I have been looking for a loan to pay off some debt and Credit Ninja came through at the right time with the right amount. Thank you! –Rachel (Trustpilot) |
CreditNinja Online Rates and Terms
CreditNinja personal loan terms are personalized for every borrower, so you can expect terms that work with your income. Here’s what you can expect from a CreditNinja personal loan:
- Repayment terms: Repayment plans range from 4 to 24 months.
- Fees: We do not charge prepayment penalties or hidden fees.
- Annual percentage rate (APR): Our APRs are competitive and constantly fluctuating with the market.
Below are some average loan amounts and term lengths you may come across for CreditNinja personal installment loans:
Loan Amount Ranges | Loan Term Ranges |
$300–$5,000 | 4–24 months |
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.
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Frequently Asked Questions
What types of debt can you consolidate?
You can consolidate various credit accounts and installment loans with a CreditNinja loan. An online debt consolidation calculator can even provide you with an instant estimate of your new interest and payment terms.
Can I get a debt consolidation loan with Bad Credit?
It’s possible to get debt consolidation loans for bad credit with CreditNinja. Our credit score minimum is flexible, which means you may qualify with bad credit. We consider various factors when making approval decisions, such as your income, outstanding debt, and payment history.
How will a debt consolidation loan affect your credit score?
Even the best debt consolidation loans can affect your credit. Paying your monthly payments on time can increase your credit over time. However, late payment can decrease your credit when they’re reported to the credit bureaus.
Can I consolidate multiple debts into one loan?
You can consolidate multiple debts into one loan if your loan amount is high enough. CreditNinja personal loans can provide up to $5,000. But remember that it’s never a good idea to borrow more than you need.
How do you apply for a loan?
Apply for a loan in an instant through the CreditNinja website. The application process is quick and easy and can be completed in minutes. You will be asked for personal identification details (such as your name, address, and Social Security number), income and employment information, and bank account details to verify your financial status and receive your loan money.
How quickly can you get approved by CreditNinja?
You can get a same day approval decision for a CreditNinja personal loan.* Unlike predatory lenders, we do not offer instant approval. But you can still get a quick decision after submitting your credit application.
Still have Questions? Contact CreditNinja Today
Since 2018, CreditNinja personal loans have helped borrowers pay for car repairs, medical bills, dental procedures, and other financial emergencies. Have questions? The CreditNinja customer service line (855-646-5201) is available when you need it. We are more than happy to discuss the ins and outs of installment loans and promptly resolve any issues you may have.