Credit Ninja
Credit Ninja
in Personal Loans from KMD Partners LLC

Credit Ninja

in Personal Loans from KMD Partners LLC
SuperMoney Net Recommendation Score -55  


This product is strongly not recommended by SuperMoney users with a score of -55, equating to 1.9 on a 5 point rating scale.


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.

Strongly not recommended

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Community Rating Strongly not recommended
APR  (Fixed APR) 199% - 349%
Loan Amount $250 - $5,000
Loan Term (Months) 12 - 18 months
Number of Reviews 31

Credit Ninja Review

Credit Ninja is offered by Credit Ninja, a direct lender founded in 2017 and based in Chicago, IL. Credit Ninja are available in 25 states (and Washington, DC).

Key Takeaways

  • APRs starting at 199%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Credit Ninja are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • 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
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 349%.
  • Charges an origination fee of up to 5% of the loan amount.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee.

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?

No, Creditninja will not charge you a late fee if you miss one of the monthly payments.

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 5%
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Credit Ninja?

Applicants with a credit score that ranges from 500 may be eligible for Credit Ninja. 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 and permanent resident / green card holders are eligible to apply for the services offered by Credit Ninja.

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

  • Proof of income
  • Driver's license
Creditninja Eligibility Criteria
Minimum Age 19
Bank Account Required? No
Credit Score Starting at 500

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

Creditninja 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.

Is KMD Partners LLC a legit company?

Credit Ninja was founded in 2017. It is an established company that has been in business for 6 years. Credit Ninja are strongly not recommended by SuperMoney community users.

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...
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.


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


  Available in 25 states and Washington, D.C.
  • Alabama
  • Alaska
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Washington, DC
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
Origination Fee (%) 5%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
Minimum Age 19
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
Credit Score Range 500 -
Approval Speed 0 hours
Credit Bureau Reporting None
Customizable Payment Dates
Funding Time Range 1 day
Payment Options
  • Automatic Payments
  • Check by mail
APR Type Fixed APR
Loan Amount $250 - $5,000
APR (Fixed APR) 199% - 349%
Loan Term 12 - 18 months

Credit Ninja Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -55, equating to 1.9 on a 5 point rating scale.


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.

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