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CreditNinja Overall rating: ★★★★☆ 4 based on 10 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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CreditNinja is an online lender offering personal loans, for borrowers with bad credit. The quick loan process allows Americans to get the money they need urgently. You can apply for a loan from the comfort of your home. That means you avoid long bank forms or tiresome lines. Typically, you can get approved and receive the funds within one business day. Loan amounts usually do not exceed $2,500. The company is headquartered in Chicago, U.S.

Company name CreditNinja (KMD Partners, LLC)
Founded 2018
Address 27 North Wacker Drive, Suite 404 Chicago, Illinois 60606
Phone number
creditninja site


  • Fully online experience
  • Quick and easy application process
  • Fast funding
  • Exceptional customer service
  • Get $50 when you refer friends


  • Not available in some states

Bottom line

CreditNinja can be a quick way out if you need a small-dollar loan for a short period due to emergency expenses. The lender is especially suitable for borrowers with bad credit or unexistent credit, although APRs can be very high.

Types of loans

CreditNinja provides access to personal loans:

  • Installment Loans
  • Bad Credit Options
  • Cash Advance Loans
  • Debt Consolidation Loans
  • No Credit Check Loans
  • Payday Loans
  • Quick Cash Loans

Eligibility criteria

To get accepted for a personal loan with CreditNinja, you must typically:

  1. be 18 years of age or older;
  2. be a U.S. citizen or permanent resident;
  3. have a source of income from employment or another source;
  4. have a bank account in your name.

Category: Online Loans

Tags: Alabama, California, Colorado, Delaware, Florida, Illinois, Louisiana, Mississippi, Missouri, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Wisconsin

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CreditNinja Reviews

Hello! My name is Evelyn Fullum. My darling husband and I had been scammed twice by some con artist who claimed to be a credit specialist(while trying to fix our credit). I had given up but my husband still believed there were still good specialists out there and it turned out that his intuitions were right. About two weeks ago he came home and told me he met a specialist (760Plus Credit Score) out of fear I tried to dissuade him but he convinced me instead. We made some commitments and he promised to get our credit reports on track as soon as possible. My husband pulled his credit report 5days ago as we were instructed and his credit score has risen to excellent from the initial poor score. They’re currently working on mine. We’re recommending their services to everybody who cares to listen. They are available on gmail: 760PLUSCREDITSCORE@GMAIL.COM.
- Evelyn Fullum

They were speedy with the loan process and I received my loan the next day in the morning. Thank you!!!
- John Rivera

The interest rate was very high but all payday loans are expensive. It got $1,500 in my bank account quickly and was able to pay my medical bills.
- Virginia Garraway

The staff were responsive and friendly! got approved the same day. I received my loan the next day.
- Edwin John

If I could give CreditNinja 0 stars, I would. They approved me for a payday loan with a ridiculous interest rate. I immediately called them and told I had changed my mind. About 10 days later I received an email with an offer to apply again. This company is such a shame, and I would recommend anyone thinking about going elsewhere.
- Sean Morgan

Loan application took 20 minutes, got accepted. I requested 1500$ they only approved me for 1200$. Which is not what I needed to repair my taxi car. Thanks tho.
- Walter Rodden

BEWARE! CreditNinja are loan sharks. They charged me 825 dollars for a 600 dollar loan! I tried to repay my loan early but they would not allow it. Don’t use them.
- Sarah Guarino

The loan was quick and easy and reasonable. I received $800 sooner than I’d expected! Highly recommended!
- Jennifer Mena

Easy, fast process. Yeah, the interest rates are quite high but that’s expected.
- Henry Smith

I haven’t had a problem with this lender they were there when all banks in Chicago wouldn’t give me a loan this is my second loan with this CreditNinja it was quick and easy.
- John Osgood

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