Credit Ninja

in Personal Loans from KMD Partners LLC

Claimed Visit Site Get Personalized Rates

Credit Ninja


in Personal Loans from KMD Partners LLC

SuperMoney Net Recommendation Score +14% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

2 users recommend
4 users are unsure
1 user doesn't recommend
Cast your vote
Cast your vote

Would you recommend Credit Ninja to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Community Rating Mostly recommended
Loan Amount $250 - $3,000
APR  (Fixed APR) 199% - 349%
Loan Term 12 - 18 months
Number of Reviews 7

Credit Ninja Review

Credit Ninja is offered by KMD Partners LLC, a direct lender founded in 2017 and based in Chicago, IL. Credit Ninja is offered in 9 states across the USA.

What rates and terms does Credit Ninja offer?

Credit Ninja has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Credit Ninja offer?

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

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Credit Ninja?

Loan amounts start at $250 and go up to $3,000.

What can a personal loan from Credit Ninja be used for?

Personal loans from Credit Ninja are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Credit Ninja?

Credit Ninja offers personal loans with terms ranging from 12 to 18 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Credit Ninja Rates & Terms
Loan Amount $250 - $3000
Loan Term 12 - 18 months
APR 199% - 349%

What fees does Credit Ninja charge?

Does Credit Ninja charge an origination fee?

Credit Ninja charges a loan origination fee of 5% of the loan amount. Credit Ninja deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does Credit Ninja charge a late fee?

Yes, Credit Ninja may charge borrowers a late payment fee

Does Credit Ninja charge prepayment fees?

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

Credit Ninja Fees
Origination Fee 5%
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Credit Ninja?

Credit Ninja does not require or does not disclose a credit score minimum. The minimum age to be eligible is 19 or the state minimum, whichever is higher.

Credit Ninja does not have or does not disclose a minimum annual income eligibility requirement. Credit Ninja only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Credit Ninja product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens, permanent residents, and non-residents can all apply for a Credit Ninja loan.

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

  • Proof of income
  • Driver's license
Credit Ninja Eligibility Criteria
Minimum Age 19
Bank Account Required? No
Credit Score N/A

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

Credit Ninja will typically provide a credit approval decision in less than an hour and fund the loan within 1 business day.

Does Credit Ninja report your account activity to credit bureaus?

Credit Ninja 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 improve your credit score.

SUPERMONEY Disclosure: 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...


  • Headquarters
  •   222 South Riverside Plaza STE 2200
    Chicago, IL 60606
  •   Visit Site

Message from KMD Partners LLC

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.

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


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 9 states
  • Alabama
  • Idaho
  • Mississippi
  • Missouri
  • New Mexico
  • South Carolina
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Origination Fee 5%
Minimum Age 19
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Non-Military
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Income
  • Driver License (or other photo ID)
Funding Time Range (in days) 1
Approval Speed (Hours) 0
Credit Bureau Reporting
  • None
Payment Options
  • Automatic Payments
  • Check by mail
Customizable Payment Dates  
Loan Amount $250 - $3K
Loan Term 12 - 18 months
APR (Fixed APR) 199% - 349%

Credit Ninja Community Reviews


Would you recommend Credit Ninja to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Loans