Last Updated: 09/22/2025
SuperMoney User Recommendation Score +18
Mostly recommended71 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
199% - 349%(Verified 09/22/2025)
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Amount Range
$250 - $5,000
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, you can sometimes get your money within 1 business day*.
- 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 |
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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.
| 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.
| Origination Fee | 5% |
| Prepayment Fee | No |
| Late Payment Fee | No |
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
| 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 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.
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
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