Online personal loans in your bank the same day*
- Easy online application
- No need for excellent credit
- Same day money*
Quick, Secure, and Simple - the Cash You Need, at Ninja Speed!
How are we different?
Easy Application Process
Our online application is quick and simple. It only takes a few minutes and all you need is to provide some basic information.
Fast Funding
Once you sign for your loan, your money may get directly deposited the same day.*
Flexible Payment Schedule
Get the cash you need at a fixed rate, with a flexible repayment plan and manageable installments designed to fit your budget.
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FAQ
Generally, unsecured loans are offered up to $5,000. However, we encourage you to apply because your resident state will affect both the minimum and maximum loan amounts offered and whether we make a loan directly or a loan is made by an FDIC-insured bank or other non-affiliated lender.
If approved, your funds will be deposited directly into your checking account via direct deposit.
No, a checking account is required to accept your approved funds.
APR Disclosures & Repayment InformationÂ
The Annual Percentage Rate (APR) is a standardized measure that depicts the cost of credit, calculated on an annual basis. It takes into account the total amount of credit provided to the consumer and the sequence and amount of payments to be made. APRs on loan offers might range from as low as 5.99% to as high as 35.99%, depending on various factors. Typical loans offered in the United States have a minimum repayment period of 120 days and a maximum of 72 months. We urge borrowers to review the loan agreement in detail, as the APR and repayment terms provided may differ from initial estimates.
Representative Examples of APR, Total Loan Costs & FeesÂ
For illustration, here are examples based on different loan amounts and terms:
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Interest Rate | 24% | 19% | 13% | 8% |
| Fee % | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Finance Charges | $134.72 | $419.61 | $1,720.12 | $2,165.84 |
| APR | 29.99% | 24.38% | 17.59% | 12.56% |
| Total Payment | $1,134.72 | $2,419.68 | $6,438.60 | $12,165.84 |
| Regular Repayments | $94.56 | $100.82 | $134.14 | $202.76 |
Financial Implications (Interest & Finance Charges)Â
It is the responsibility of any lender to provide all details regarding the cost of the loan prior to approval. We advise all users to read the loan agreement thoroughly and proceed only if they fully understand and agree to the terms. Our service is provided at no cost, and there is no obligation to accept a loan offer.
Implications of Non-PaymentÂ
By agreeing to the loan terms, borrowers commit to repaying the borrowed amount as per the agreed schedule. Failure to do so may result in additional charges. Specifics on the penalties for late payment are dependent on many variables. We recommend contacting us directly for any questions related to loan repayment issues.
Potential Impact to Credit ScoreÂ
Lenders typically conduct their own credit checks through one of the major credit bureaus, which could potentially be considered a hard inquiry and affect your credit score.
Collection PracticesÂ
It is the lender’s responsibility to outline their collection methods in the loan agreement. Should you have any questions regarding collections, these should be directed to the lender.
Loan Renewal PoliciesÂ
Not all lenders offer loan renewal options. It is important to confirm the availability of such options with your lender. We encourage reading and understanding the loan renewal policy contained in your loan agreement before signing.