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CreditNinja Reviews 

11,830
•
TrustScore 4.5 out of 5

4.5

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Looking at 1,929 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently found the application process straightforward and quick, often receiving funds promptly for urgent needs. Many appreciated the excellent customer service, noting helpful staff who explained things clearly. The company is also praised for offering flexible, affordable payment plans that fit various budgets, making repayment manageable. However, some customers also noted concerns regarding high interest rates, finding them excessive and leading to significantly higher repayment amounts. Additionally, a few people mentioned issues with transparency, citing undisclosed fees or unexpected payment structures. Some also experienced discrepancies between approved and received loan amounts or difficulties declining loans.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, consistently describing it as fast, easy, and... See more

Service

Consumers find service to be positive, with many reviewers highlighting the quick response and funding,... See more

Payment

Users describe ambiguous interactions with payment, with many reviewers praising the quick approval and... See more

Customer service

Customers consistently note positive experiences with customer service, appreciating the helpfulness and... See more

Price

Clients share negative opinions on price, primarily due to extremely high interest rates, with some reporting... See more

Reviews shaping this summary

Rated 5 out of 5 stars

It was simple, questions were answered and even though it was after 5 on a Friday funds were available on Monday morning for our emergency. This is Marie C Miklas, please remove the name of Dianne R... See more

Rated 5 out of 5 stars

This is my third time using Credit Ninja, and they’ve always been great to work with. They’re a highly reputable company, and whenever I need help, I can actually talk to a real person, which makes... See more

Rated 5 out of 5 stars

It was so simple and I was able to get the application done and loan completed in really no time at all. If you only make the minimum payment it is a significant expense but pay it off and then you av... See more

Rated 5 out of 5 stars

I was having trouble getting a loan from any where but credit ninja took a chance on me. It wasn't quite as much as I wanted but im so glad that credit ninja is giving me the opportunity to show i can... See more

Company details

  1. Non-Bank Financial Service
  2. Financial Consultant
  3. Loan Agency

About CreditNinja

Written by the company

CreditNinja installment loans gives you access to funds in a safe and timely manner. Our online request process allows you to apply for a personal loan from the comfort of your home. That means no more long bank forms or slow moving lines. Typically within one business day you'll receive confirmation of the approved funding to help take care of your financial strains.
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Contact info

4.5

Excellent

TrustScore 4.5 out of 5

12K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 87% of negative reviews

Typically replies within 1 week

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4.5

All reviews

(11,830)

1,911 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 4 out of 5 stars

Straightford and Easy to Use

CreditNinja has a straightforward process that lays out the credit amount and repayment terms. The money deposited when they predicted - it will take a few days, so if you're looking for immediate cash, this isn't a good option.
They screen and offer you an amount - there is no apparent way to change that amount, for example, if you need less than they are offering. It's not a big deal, I'll just pay back what I don't need early and save some interest.

20 July 2026

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