CreditNinja is a Chicago-based online lender offering high-cost personal loans — in some cases, you could end up paying double (or more) the amount you borrow, no matter how quickly you pay off the loan.
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.
CreditNinja's personal installment loans are designed to help borrowers with less-than-perfect credit. So while we do check aspects of your credit history, it's not the only thing we consider when reviewing your application.
CreditNinja offers safe and responsible personal loan products. We're here to provide you with the most reliable and immediate financial support when you need it.
While CreditNinja offers installment loans that come with monthly payments, we don't penalize borrowers for making semi-monthly payments. In fact, we encourage borrowers to pay off their loans as early as they like! If you are looking for an affordable loan with flexible repayment options, consider CreditNinja.
Applying for a personal loan can temporarily lower your credit scores by a few points. But the overall effect of the loan on your credit scores largely depends on how you manage the loan. If you make consistent, on-time payments, for example, getting a personal loan could help you improve your credit scores over time.
CreditNinja is also a direct lender.
Direct deposit is a superior payment method, and that is why we at CreditNinja use it to fund your loans. You can start your application today, and if approved, your funds will be deposited into your checking account the following business day after approval.
The minimum credit score required for a personal loan varies by lender. If a lender requires a fair credit score, that might mean a score somewhere between 580 and 660. According to the Consumer Financial Protection Bureau (CFPB), having a higher credit score typically makes it easier to qualify for a loan.
CreditNinja is similar in that it also offers online installment loans, even though there is a large difference in the way that we function (not as a tribal lender). Our personal loan options are a great alternative to tribal loans, like the ones offered through Lendmo.
No. Payday loans are generally not reported to the three major national credit reporting companies, so they are unlikely to impact your credit scores or help you build credit. Unlike other lenders, payday lenders generally don't use your credit reports or scores to determine whether you're eligible for a loan.
There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.
Changing your account's 'Settled' status to 'Closed' with your credit card company is one of the simplest ways to enhance your CIBIL score. To do so, you must pay off all of your debts once and for all.
If you have high credit card balances, a personal loan can help you pay off your credit card debt in full. This action will not only give you the peace of mind that comes with being out of credit card debt, it might also increase your credit score.
CreditNinja is a superior online lender offering more affordable personal loans for borrowers with low credit scores. Our quick and easy loan process allows you to get the cash you need, at ninja speed. If you're currently experiencing a financial emergency, CreditNinja is here to help.
CreditNinja accepts applicants with a wide range of credit scores. So if you have bad credit, no credit, or even a history of bankruptcy you're still welcome to apply for a CreditNinja personal loan.
Some federal credit unions offer payday alternative loans in amounts ranging from $200 up to $2,000. Some credit unions offer these loans without performing credit checks. Fees for payday alternative loans are capped at $20, and interest rates are also capped. Repayment terms can range from one month to 12 months.
CreditNinja's Take on Most Direct Deposits
In conclusion, once you set up direct deposit with a checking account you should be able to access the funds on the same day that they are sent out!
Hardship personal loans are a type of personal loan intended to help borrowers overcome financial difficulties such as job loss, medical emergencies, or home repairs. Hardship personal loan programs are often offered by small banks and credit unions.