Is Credit Ninja Personal Loans the right fit for you?

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Last Updated: 05/06/2026

Credit Ninja Personal Loans

from KMD Partners LLC

Last Updated: 05/06/2026

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Mostly recommended71 total votes

38 users recommend

8 users are unsure

25 users don't recommend

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Highlights

Community Rating

Mostly recommended

APR (Fixed APR)

199% - 349%(Verified 05/06/2026)

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Amount Range

$250 - $5,000

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Loan Term (Months)

12 - 18

Number of Reviews

Credit Ninja Personal Loans Review

Credit Ninja Personal Loans is offered by KMD Partners LLC, a direct lender founded in 2017 and based in Chicago, IL. CreditNinja are available in 23 states and Washington, DC.

Key Takeaways

APRs starting at 199%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Credit Ninja Personal Loans are on the higher end of the spectrum.
Fast access to funds. If approved, KMD Partners LLC will send the money in as little as 24 hours.
Prequalified rate. You can check your prequalified rate at KMD Partners LLC with a soft pull that will not affect your FICO or VantageScore.
Origination fee of 5%. This is average for lenders that charge origination fees. However, plenty of lenders don't charge them.

CreditNinja Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants with poor credit.
Get funded in as little as 1 business day.

APRs as high as 349%.
Charges an origination fee of up to 5% of the loan amount.
No co-sign option available.

CreditNinja FAQ

What interest rates and personal loan terms does CreditNinja offer?

CreditNinja has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does CreditNinja offer?

CreditNinja offers a fixed APR personal loan product that ranges from 199% APR up to 349% APR.

How much can you borrow via CreditNinja?

Personal loan amounts start at $250 and go up to $5,000

What is the maximum loan term you can get with CreditNinja?

CreditNinja offers loans with terms of up to 18 months.

CreditNinja Interest Rates & Loan Terms

Personal Loan Amount

$250 - $5000

Loan Term

12 - 18 months

APR

199% - 349%

What fees does CreditNinja charge?

Does CreditNinja charge an origination fee?

CreditNinja may charge a personal loan origination fee of 5% of the personal loan amount . CreditNinja deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.

Does CreditNinja charge a late fee?

CreditNinja does not disclose whether it charges late payment fees.

Does CreditNinja charge prepayment fees?

No, CreditNinja does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

CreditNinja Fees

Origination Fee

Prepayment Fee

Late Payment Fee

What do you need to qualify for Credit Ninja Personal Loans?

Applicants with a credit score that ranges above 500 may be eligible for Credit Ninja Personal Loans. The minimum age to be eligible is 19 or the state minimum, whichever is higher.

Credit Ninja Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Credit Ninja Personal Loans.

To qualify, applicants may need to provide the following documentation:

Proof of income
Driver's license or other government photo ID

CreditNinja Eligibility Criteria

Minimum Age

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

Starting at 500

What is the estimated funding time for a personal loan via CreditNinja?

CreditNinja will typically fund loans within 1 business day of approval and clearing necessary verifications.

Does Credit Ninja Personal Loans report your account activity to credit bureaus?

Credit Ninja Personal Loans does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help build your credit.

Does KMD Partners LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.

CreditNinja allows you to check your rates with a soft credit pull.

Are Credit Ninja Personal Loans legit?

Credit Ninja was founded in 2017, it is a well-established company that has been in business for 9 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Credit Ninja Personal Loans Disclosure: Your loan terms are not guaranteed and are subject to our verification and review process. You may not receive a loan for the full amount (or for any amount) if, after you respond to this offer, it is determined that you no longer meet the criteria used to select you for this offer, including verification of your identity, your regular income, and your ability to repay. Other lender terms and conditions may apply. Depending on the state where you live and the loan you request, we will either make the loan directly or arrange the loan on behalf of a third-party lender such as First Electronic Bank, CC Connect, or PCAM Credit VI, LLC. Applications approved before 10:30 a.m. CT Monday - Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from CreditNinja

KMD aspires to play an integral role in our clients’ goals and dreams, helping them better understand the state of their Businesses and how to more effectively manage them, all while proactively introducing opportunities for growth and value addition. Simply said, we promise our clients insight, oversight and foresight, while most firms continue to provide ‘rear-view mirror’ hindsight.

CreditNinja's installment loans give 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.

Contact

Headquarters

222 South Riverside Plaza STE 2200

Chicago, IL 60606

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 7:00PM

Tuesday

8:00AM - 7:00PM

Wednesday

8:00AM - 7:00PM

Thursday

8:00AM - 7:00PM

Friday

8:00AM - 7:00PM

Saturday

Closed

Other Services by KMD Partners LLC

Cash Advances

8 Reviews

SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +18, or 3.4 on a 5-point rating scale.

+18

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Credit Ninja Personal Loans Community Reviews

Would you recommend Credit Ninja Personal Loans to your friends?

Anonymous

Mar 19, 2026

May or may not recommend

It was easy to apply and when I needed help they stayed and helped step by step. When need emergency funds I totally recommend!

Anonymous

Jan 23, 2026

May or may not recommend

Quick and easy application process, funding was fast and didnt need to talk to anyone over the phone which was nice.

Bobbie H.

Mar 17, 2025

May or may not recommend

Because they recognize you as person who need help,and they come through for you.

Anonymous

Dec 27, 2024

May or may not recommend

It was a very quick process from start to approval to deposit all in one day. It was a great experience Thank you

Allison C.

Dec 13, 2024

May or may not recommend

Thanks, fast , quick, reliable, really easy to sign up.

Maribel A.

Nov 13, 2024

May or may not recommend

It was quick and easy to apply and get approved

Nicholas H.

Sep 20, 2024

May or may not recommend

Super easy online process, money goes straight into you account no problems

Richard F.

Sep 11, 2024

May or may not recommend

My experience was great. I would recommend it to anyone

Jon B.

Aug 29, 2024

May or may not recommend

Applying was easy and I got a quick answer. Money was in my bank the next day.

Carl P.

Aug 1, 2024

May or may not recommend

I had never thought this will help me a lot , Thank you Credit NInja por your help to get my loan

Anthony B.

Jul 12, 2024

May or may not recommend

It was a lot easier than I expected. I was a little weary. But I have appreciated responding.

Mike G.

Jun 27, 2024

May or may not recommend

Completely satisfied. Quick approval and account funded the next day!

Anonymous

Jun 21, 2024

May or may not recommend

Really quick and extremely easy! I would use them again.

Yolanda H.

Jun 21, 2024

May or may not recommend

It was easy and Quick. Very help when I called and asked questions

Cecelia F.

Jun 20, 2024

May or may not recommend

I Loved The Online Service, & The Online Customers Support!!& Yes I Will Recommend Credit Ninja!!

Terry T.

Jun 12, 2024

May or may not recommend

The payback is a high premium, however, you know the terms before accepting the loan. When traditional banks will not help you because of a few bumps in your financial journey, Credit Ninja is there to help.

Denis S.

May 30, 2024

May or may not recommend

Fast, friendly, and professional service and quick turnaround time. No waiting for days for a decision & quick deposit.

Elizabeth R.

May 30, 2024

May or may not recommend

Credit Ninja helped me out when I needed a loan. Thanks Credit Ninja!

Erika M.

May 20, 2024

May or may not recommend

I really recommend it to friends and family because the process was very easy And the most important thing I got my money on my bank account the next business day. Thanks credit ninja I really appreciate it. Thanks because the money was there when I needed it.

Lori C.

May 15, 2024

May or may not recommend

I like how easy it was and no one calls you. I will use again. Thank you for making this so easy. I just wish I could have gotten a little more money

Showing 20 of 71 reviews