Apply here. The application process only takes a few minutes.

If you have already created a CreditNinja account in the past, to reapply please log in to your account. Once logged in, if you are eligible to reapply, you will see a button to click.

Generally, we offer unsecured loans up to $5,000. However, we encourage you to apply because your resident state will affect both the minimum and maximum loan amounts we offer and whether we make a loan directly or arrange a loan made by an FDIC-insured bank or other non-affiliated lender.

Your eligibility depends on Creditworthiness and your resident state. To check eligibility, just fill out our quick online application. It will only take a few minutes.

Your funds will be deposited directly into your checking account via direct deposit.

Once approved your funds will generally be deposited the next business day.

An annual percentage rate (APR) is the total cost of credit, including interest and all other finance charges such as a loan origination fee (if one is charged in your state). The APR expresses your loan’s Finance Charge as an annual rate.

An installment loan is a loan that requires a fixed number of regular payments that are substantially equal in amount. Payments on an installment loan are calculated over a set duration. The installment loans we offer are fully amortizing, meaning that you will pay-off all principal by the maturity date if you pay the loan as scheduled.

No, a checking account is required to accept your loan funds.

The interest rate is applied to the principal balance every day. If you prepay a loan, you will generally not owe interest that has not yet accrued. APR includes interest but also includes other finance charges such as a loan origination fee. For this reason, the APR of your loan may be higher than the interest rate because APR expresses all of your finance charges as an annual rate.

Simple interest loans accrue interest on a daily basis. Moving your payments or making late payments will add more days to the life of your loan and can allow for additional interest to accrue on your loan.

If you need to change your repayment schedule you will need to call us at (855) 646-5201 to speak with a customer support team member. They will be able to assist you with adjusting your repayment schedule.

“Bank Verification” is the third-party tool we use to verify your identity and to verify the activity in your open and eligible checking account. Because we verify this information through the automated and online process of Bank Verification, we will deem your loan application complete only if you provide the checking-account information required by the Bank Verification tool.

1. We May Not Work With Your Bank
   • Unfortunately, we don’t currently support all banks. We’re constantly working to expand our network, so if your bank isn’t listed yet, stay tuned.
2. Invalid Username or Password
   • Did you enter your credentials correctly? Double-check for typos, especially when entering your username or password.
3. Multi-Factor Authentication (MFA) Issues
   • Did you enter the correct code or answer your security questions accurately? Re-enter the information you received through your chosen MFA method (text message, authenticator app, etc.).
   • Is your MFA information up-to-date? Ensure your contact information is up to date with your bank. You can call your bank to help with this.
4. Locked Account
   • Did you enter your credentials incorrectly too many times? This can lead to a temporary account lock.
   • How to unlock your account:
     • Contact your financial institution directly.
     • If available, log into your online bank account and look for an unlock option.
5. Account Not Authorized for Online Use
   • Is your online bank account fully set up? New accounts might require additional steps before online access is granted.
   • How to activate your online access:
     • Contact your financial institution for assistance.
     • If available, log into your online bank account and follow the prompts to complete setup.
6. Unsupported Account
   • Not all account types are supported. Ensure you are connecting with an account that has direct deposit income. This is a requirement to complete Instant Bank Verification.
7. Institution or Service Outage
   • Is your bank’s website undergoing maintenance? Temporary outages can prevent you from connecting your account.
   • Try again later. You can also contact your bank to confirm if they are experiencing any technical difficulties.

Still having trouble?
If none of these solutions work, contact your financial institution directly for further assistance.

An online bank account is required in order to do Bank Verification. Without an online account we cannot verify the ownership of the bank account, which will result in us being unable to approve an application.

Because all the loans CreditNinja makes or arranges exceed the Military Lending Act’s 36% MAPR limit, CreditNinja does not offer loans to individuals covered by the MLA. To determine whether an individual is covered the MLA, we obtain a report from a national consumer reporting agency. We also ask the above question as an added precaution to ensure compliance with the MLA.

Under the MLA, “servicemember” generally means a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer. “Dependent” generally means a servicemember’s spouse, child under age 18, or other individual for whom a servicemember provided more than half the individual’s support in the past 180 days.

If you want to check whether you are covered by the MLA, you may submit a single-record request on the official MLA website.

If you have any questions the fastest response will always be to call. However you can email us at support@creditninja.com