youtube instagram twitter linkedln facebook external-open email print geospatial countries finscope financial open-quote close-quote seacrh info basemap share

CreditNinja Review 2022

Written on 23 March 2022

Our best overall loan services:

What is Creditninja?

Creditninja is a company that wants to help you obtain credit cards. To obtain these, you must apply for them with Creditninja's partner companies. You apply for the credit cards through Creditninja, and if you are eligible, it is processed by them on your behalf.

How does Creditninja Work?

After you sign up for your free Creditninja account, you can immediately begin using it. You start by providing some basic information about yourself, including your name, email address, password, date of birth and social security number. For each credit card application you make through Creditninja over the next 30 days, they'll give you a certain number of points. The more credit card applications you make, the more points you get. You can then use those points to reduce the fees for each application by a certain amount (the fee is typically $100 per credit card).

You'll need to wait 24 hours after your initial sign up before you can begin applying for cards with Creditninja.

How much does it cost to use Creditninja?

There is no charge at all for using Creditninja. The company makes money by charging the credit card companies whose cards you apply for.

Creditninja Repayment Process

Once you complete the Creditninja application for a particular credit card, your information is automatically submitted to the company. Some companies accept your information right away, while others take several days to make a decision. It's important that you remember that it could take weeks or even months before you are approved for any credit cards that you apply for using Credit

Why is the APR so high?

If you are approved for a credit card through Creditninja, it is processed by them on your behalf. However, because the companies who run these cards charge fees to process these applications, the APR will be higher than if you were to apply directly with the company. As an example, American Express charges a certain number of points every time you apply for one of their cards through Creditninja. If you were to apply with Amex directly, they would not charge these points (however, the application fee may be higher). As another example, Chase charges $100 per card application through Creditninja.

What if you cannot afford to repay a loan?

If you do not have the money to repay a loan, you can try negotiating with your creditor. If they agree to lower the fee or interest rate on your account, it's possible that you will be able to make monthly payments without incurring additional fees or interest charges.

Types of Loans Does Creditninja Offers

Creditninja offers personal loans, debt consolidation loans and student loans.

What Information is Required to Apply for a Loan?

When you apply for a loan through Creditninja, you'll be required to enter some basic information including your name, date of birth, social security number and email address. This information must match the information that is on file with the credit bureau.

The two most important factors in getting a loan approved are your credit score and income. You can see if your application will be instantly denied based on your credit score when you begin filling out an application. If it is, don't apply for a loan through Creditninja since it will not be able to help

How Good is Creditninja's Customer Support?

Customer support is available 24 hours a day via email and live chat. While the responses from Customer Support may not be as quick as you would like, they will answer all of your questions thoroughly.

What are people saying about Creditninja?

There are thousands of reviews for Creditninja available online. A common theme among these reviews is that while the company doesn't always have the lowest interest rates, they do offer very competitive rates and don't charge any application fees.

The pros and cons of Creditninja


No application fees

Instant results for many loan requests

100% Secure and Confidential


Not available in all states


Creditninja is a company that offers excellent service without charging application fees. While the interest rates may not be as competitive as they could be, the company provides a valuable service that will help you in obtaining a loan if you have a low credit score or bad credit history.


Does Creditninja Charge lateness fees?

No, if you are late with your payment there is no charge.

What happens when I prepay my loan?

When you make a prepayment on your loan, Creditninja will apply it to the principal of your loan and reduce the amount of interest that you pay. In most cases, this can dramatically reduce the amount of interest that you owe over time.

What do I need to qualify for the Creditninja personal loan?

You must be at least 18 years old and have an email address, phone number and permanent U.S address.

To qualify for Creditninja's personal loan program, you must be 18 years of age or older.

How long will it take before I get the loan?

Most loan requests that are submitted on Creditninja can be processed within a few minutes. However, it normally takes a few hours to receive the

Does Creditninja charge an origination fee?

No, Creditninja does not charge an origination fee. However, the company may charge a late payment fee and an annual membership fee.

Are there restrictions to what I can use the Creditninja personal loan for?

You can use the personal loan from Creditninja for just about anything including consolidating debt, paying bills, home improvement projects and more.

What are the due dates for payment?

The payment dates for a loan from Creditninja are either on your due date or the next business day.