CreditNinja is an online lending brand established in 2018 that provides personal installment loan options for people facing unexpected expenses, including borrowers with less-than-perfect credit. Its application process is completed online, and applicants can review any personalized loan amount, rate, and repayment terms if approved. CreditNinja says funds are generally deposited directly into a checking account; applications approved before 10:30 a.m. Central Time on weekdays may be funded the same business day, though timing can vary and additional verification may be required.

Loan amounts and availability depend on the borrower’s state and circumstances. CreditNinja may make or arrange a loan, and the final agreement identifies the lender, credit costs, and repayment terms. Installment loans are repaid in scheduled payments over an agreed period. The brand also offers customer support and financial education through its CreditNinja Dojo, featuring articles on budgeting, credit, and personal finance, along with financial calculators, a glossary, and other online resources.