Is Credit Ninja Personal Loans the right fit for you?
Last Updated: 10/29/2026
SuperMoney User Recommendation Score +20
Mostly recommended75 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
Starting at 35.99%(Verified 09/27/2026)
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Amount Range
$250 - $5,000
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Loan Term (Months)
3 - 24
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 26 states.
Key Takeaways
- APRs starting at 35.99%. 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.
- Short loan terms. Credit Ninja Personal Loans have loan terms as short as 3 months.
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 starts at 35.99% 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 24 months.
| Personal Loan Amount | $250 - $5000 |
| Loan Term | 3 - 24 months |
| APR | Starting at 35.99% |
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 480 VantageScore may be eligible for Credit Ninja Personal Loans. The minimum age to be eligible is 18 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:
- Applicants must have an active and valid personal checking account
- Proof of income
- Driver's license or other government photo ID
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | Starting at 480 VantageScore |
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 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.
Provider 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.
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Hours of Operation
SundayClosedMonday8:00AM - 7:00PMTuesday8:00AM - 7:00PMWednesday8:00AM - 7:00PMThursday8:00AM - 7:00PMFriday8:00AM - 7:00PMSaturdayClosed
Other Services by KMD Partners LLC
Availability
Available in 26 states.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Delaware
- Florida
- Hawaii
- Idaho
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Ohio
- Oklahoma
- South Carolina
- Tennessee
- Utah
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Credit Ninja Personal Loans Community Reviews
Would you recommend Credit Ninja Personal Loans to your friends?
RG
Renetta G.
Oct 29, 2026
Would not Recommend
I could go deep and say things that are not so nice, but I got the loan at a time when I needed the help. I will say I had no idea their percentage rate would be 473.72%, craziness. It is not their fault, I should read the contract before I signed. But, I had an emergency that needed immediate financial attention. Thanks credit ninja/PCAM Credit VI. I recommend to ...Show More
TB
Tyrus B.
Oct 13, 2026
Would Recommend
⭐️⭐️⭐️⭐️⭐️ .. Ease of Process: 100% Streamlined / Online .. Less Than 10 Minutes .. Rates are One of the Best Available .. Funded Less than 24 Hours
RB
Robert B.
Oct 10, 2026
Would Recommend
Credit Ninja was fast and easy, if I can fill out the online application anybody can !
YA
Yvonne A.
Jun 18, 2026
Would Recommend
Application process was easy I didn’t expect to get approved but I did money was deposited like they said. Thank you 🤗
U
Anonymous
Mar 19, 2026
Would 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!
U
Anonymous
Jan 23, 2026
Would 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
Would Recommend
Because they recognize you as person who need help,and they come through for you.
U
Anonymous
Dec 27, 2024
Would Recommend
It was a very quick process from start to approval to deposit all in one day. It was a great experience
Thank you
AC
Allison C.
Dec 13, 2024
Would Recommend
Thanks, fast , quick, reliable, really easy to sign up.
MA
Maribel A.
Nov 13, 2024
Would Recommend
It was quick and easy to apply and get approved
NH
Nicholas H.
Sep 20, 2024
Would Recommend
Super easy online process, money goes straight into you account no problems
RF
Richard F.
Sep 11, 2024
Would Recommend
My experience was great. I would recommend it to anyone
JB
Jon B.
Aug 29, 2024
Would Recommend
Applying was easy and I got a quick answer. Money was in my bank the next day.
CP
Carl P.
Aug 1, 2024
Would Recommend
I had never thought this will help me a lot , Thank you Credit NInja por your help to get my loan
AB
Anthony B.
Jul 12, 2024
Would Recommend
It was a lot easier than I expected. I was a little weary. But I have appreciated responding.
MG
Mike G.
Jun 27, 2024
Would Recommend
Completely satisfied. Quick approval and account funded the next day!
U
Anonymous
Jun 21, 2024
Would Recommend
Really quick and extremely easy! I would use them again.
YH
Yolanda H.
Jun 21, 2024
Would Recommend
It was easy and Quick. Very help when I called and asked questions
CF
Cecelia F.
Jun 20, 2024
Would Recommend
I Loved The Online Service, & The Online Customers Support!!& Yes I Will Recommend Credit Ninja!!
TT
Terry T.
Jun 12, 2024
Would 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.
Showing 20 of 75 reviews
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