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 -43%



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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 not recommended

2 users recommend
4 users are unsure
8 users don't recommend
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Community Rating Mostly not recommended
APR  (Fixed APR) 199% - 349%
Loan Amount $250 - $5,000
Loan Term (Months) 12 - 18 months
Number of Reviews 14

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 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 cash. In some cases you can get your money within 1 business day.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Credit Ninja without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Origination fee of 5%. This is average for lenders that charge origination fees. However, plenty of lenders don't charge them.
Credit Ninja 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.
Credit Ninja FAQ

What rates and terms does Credit Ninja offer?

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

What APR rate 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 $5,000

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 - $5000
Loan Term 12 - 18 months
APR 199% - 349%

What fees does Credit Ninja charge?

Does Credit Ninja charge an origination fee?

Credit Ninja may charge 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?

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 are, of course, eligible for the services offered by Credit Ninja. Permanent resident / green card holders are also eligible to apply.

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 Starting at 500

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.

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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.


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

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

About Credit Ninja

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.


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

Feature Breakdown

No Prepayment Fee  
Origination Fee (%) 5%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
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
  • Proof of Income
  • Driver License (or other photo ID)
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
Loan Amount $250 - $5,000
APR (Fixed APR) 199% - 349%
Loan Term 12 - 18 months

Credit Ninja Community Reviews


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No one recommends Everyone recommends

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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