AI-powered Google Reviews Widget - FREE
Free Google reviews widget for your website
Increase sales, trust and credibility with ai.
Mike, Adam and another 21,516 have joined the waitlist.
CreditNinja logo

CreditNinja Reviews

Rated 4.4 based on 2500 Reviews

27 N Wacker Dr #404, Chicago, IL 60606, United States

Financial Services Chicago

Published on
July 1, 2025
Last updated
July 1, 2025

Reviews Summary

The overall sentiment regarding CreditNinja’s short-term loan service appears mixed, with many reviewers acknowledging the platform's efficiency and helpful customer service while repeatedly calling attention to the company's very high interest rates and fees. Reviewers regularly note the speed of funding—often within one day—and the ease of use in both the application and disbursement process. Although several express satisfaction with the quick relief provided in financial emergencies, others strongly caution against the service due to the substantial repayment amounts relative to principal borrowed.

Frequent themes include the fast, straightforward application process and the reliable arrival of funds, which are often highlighted as major advantages. Communication and customer service are generally seen as positive, and some users mention reasonable repayment plans. However, several reviews echo significant disapproval of the cost structure, including CAB fees and high total repayment figures, even with early loan payoff attempts. Some reviewers regret not reading the terms more thoroughly and advise extreme caution for future borrowers.

In summary, CreditNinja is recognized in the financial services sector for rapid loan processing and easy access, especially during emergencies, but garners a cautious reputation due to its high costs and rigid fee structures. While customers across various regions find the process dependable and effective for urgent needs, the company’s negative reputation around fees and total repayment amounts tempers overall trust, making it vital for prospective borrowers to clearly understand all terms before proceeding.
Read more

What Customers Are Saying About CreditNinja?

Quick and easy process

got me the money I needed

directly deposited in my account

went very very smoothly

easy and straight forward

service was fast, friendly, and efficient

fair and works for all budgets

Trustguide extracts key phrases from reviews about CreditNinja and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 60% of CreditNinja's customers had a positive experience.

Positive
60%
Neutral
10%
Negative
30%

CreditNinja Ratings

5

As of Based on 2500 revies as of Jul 01, 2025

CreditNinja Score

60%

As of Based on 2500 revies as of Jul 01, 2025

Got a busrning question about CreditNinja?

Claim your profile. Tell the world about your key services, industry customers, or other valuable information.

Customer Reviews

As of Jul 01, 2025, 2500 customers have reviewed this business and rated it 4.4 Star out of 5. Trustguide conducted an in-depth analysis of CreditNinja's publicly available reviews View source

Yesenia Cardenas rated CreditNinja 5 stars
3 months ago
This is a great company if you need emergency funds right away. They do have a higher interest rate but if your willing to make extra payments, then it's no biggy. Funds was send right to my account. Great customer service. Do I recommend this? Ofcourse not, due to the interest rates... but if your need of funds right away, then I would!!! Quick and easy process
Amber Steele rated CreditNinja 5 stars
a week ago
Fast, secure and got me the money I needed. Wish I could of got little more. But this definitely helped me! Plus my money was in earlier than they said. Was in day before they said to expect it, think my bank helped on that part but credit ninja is one put it through. Thank you credit ninja!
Robert Greer rated CreditNinja 5 stars
a week ago
I applied for a quick loan and even with a moderate credit score I was given a reasonable Loan and it was directly deposited in my account in a day. Great customer service. Thank you Credit Ninja!

Frequently Asked Questions About CreditNinja

How quickly does CreditNinja fund approved loans?

Based on customer reviews, CreditNinja often deposits funds into approved applicants' bank accounts within one business day, and occasionally even sooner than the stated timeline.

Are there additional fees or high costs with CreditNinja loans?

Reviews frequently report significant fees, including high interest rates and CAB fees that are due even if the loan is paid off early. Total repayment can be more than double the amount borrowed.

Is the CreditNinja loan application process difficult to complete?

The application process is described as easy, straightforward, and fast by several reviewers. Many customers noted that they found it simple to apply and understand the process online.

About CreditNinja

Financial Services
CreditNinja provides short-term personal loans primarily aimed at individuals facing financial emergencies or credit challenges. Operating within the financial services industry, the company offers an online application process that enables users to quickly apply for funding and, if approved, receive money directly in their bank accounts, sometimes within one business day.

The company’s operational model centers around a digital platform where loan approval, funding, and repayment schedules are managed. Customers complete a straightforward online application, and after review, funds are disbursed electronically. Repayment is typically handled through flexible arrangements such as biweekly payments, but loans may include upfront fees and higher interest rates as part of the contract.
Expand

How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
Own this business? email us at hello@trustguide.ai.
9841366281915504013

How was your experience with CreditNinja?

People also checked

Americor logo
Americor

Rated 5 stars

Auto Approve logo
Auto Approve

Rated 5 stars

Debt Blue logo
Debt Blue

Rated 5 stars

Kapitus logo
Kapitus

Rated 2 stars

Debthunch logo
Debthunch

Rated 5 stars

Show your best reviews to your future customers
95% of your customers read online reviews. Make it easy for them.
Mike, Adam and another 21,516 have joined the waitlist.