Credit Ninja Reviews - 51

The support agent was very helpful and ready

The support agent was very helpful and ready to assist without any issues. I really appreciated their support during this period.

I like it alot!

I like it alot! I had applied for a loan at 2 other companies and had so much trouble with CreditNinja no problems at all.

It was fast and easy.

It was fast and easy. I felt like you're here to help and easy to make payments as well. thanks for good experiecne.

The procedure went smooth and clear-cut,

The procedure went smooth and clear-cut, the details needed for the right inspections were processed effectively.

I was approved for exactly what I needed.

I was approved for exactly what I needed. No issues. Better rates than many others. Thanks for an easy experience

The application was simple

The application was simple, and I got my funds the following day. The whole experience was smooth and efficient.

You guys are really fast !!!!!

You guys are really fast !!!!! And you always do what you promise, I have already told a co-worker about you all

You guys helped me when I really needed

You guys helped me when I really needed it.... You're a hassle-free loan company and I will use you often....

Got back fast.

Got back fast. Had to get urgent money since a sudden surgery left me low on cash for my monthly costss.

Good choice, and because I always pay on time

Good choice, and because I always pay on time, they keep giving me new options that are really helpful.

The procedure was fast and simple

The procedure was fast and simple and I truly appreciated that because my timetable is busy. Thank you

I opted for Credit Ninja to secure

I opted for Credit Ninja to secure funds for my business. They displayed swift and efficient service with no cumbersome paperwork, ensuring a speedy delivery. Although the interest rates leaned towards the higher side, it was within the anticipated range for this loan category.

I had a good experience because they assisted

I had a good experience because they assisted me with paying my bills and helped me repair my car, which I use daily for work. If I ever need support in the future, I would return to CreditNinja, as they provided help when others couldn't.

I opted for Credit Ninja to secure

I opted for Credit Ninja to secure funds for my business. Their process was swift and paperwork-free, with speedy delivery. While the interest rates leaned on the higher side, it aligns with the nature of such loans.

The procedure is easy and the business is real.

The procedure is easy and the business is real. Just make sure you know about the CAB charge. It's more like a standard fee. I didn't check the loan papers carefully. The fee is really high. It's over the amount we took. Take note of my mistake. I wouldn't have chosen them if I had been aware of this details.

The company's failure to disclose

The company's failure to disclose the payment amount before contract signing is concerning. The set payment is excessively high, creating a negative experience. My previous borrowing experience with Credit Ninja was unsatisfactory due to this undisclosed and elevated payment burden.

The application process was straightforward

Just began using the service, limited experience so far. The application process was straightforward, but the approved amount was less than expected. Despite this, any financial assistance is appreciated, and I'll continue to explore the service.

I'll rate it 3 as they

I'll rate it 3 as they assisted with funds, but not more because when I asked for an address to send payment or pay it off, they disconnected from chat.

I came across a Facebook post claiming

I came across a Facebook post claiming rapid fund deposits within 10 minutes post-approval. I provided the requested information, got approval, signed e-docs, and was informed funds would arrive the next business day. However, no deposit materialized. Upon checking the Credit Ninja website, it now indicates funds tomorrow. Frustrated, I engaged in a live chat, explained the situation, and was assured investigation. The site froze twice, leaving me uncertain about the legitimacy of the loan offer. Currently, I cannot recommend their services.

The company's advertising promised

The company's advertising promised same-day funding for loans, which was why I chose them. However, despite being approved at 10:40 pm on 3/28/2024, I won't receive the money until 4/2. This is not in line with their promises and is disappointing.

POOR INTEGRITY LOAN SHARK

-1 ⭐️ DO NOT, I repeat, DO NOT get a loan from this company. You cannot make payments towards principal only. They will collect their 149% APR regardless of how much you are loaned. Ex: $1000 loan + $1450 Fee = $2450. This is theft!! In the contract, which I had to screenshot to zoom into, it states that there isn't a penalty for paying more than scheduled or for paying the loan off early, however, by their deceptive definition, the "loan" is considered the balance including their fees, not what was actually loaned. I read the contract and it did not state anywhere, that there were no Principal only payments. I only got the loan because I needed a short term loan. I planned on paying off the loan within 3 scheduled payments instead of the 10 they planned, only to find out via a call to customer service. Again, NO PRINCIPAL ONLY PAYMENTS. THIS IS A FINANCIAL TRAP, MONEY SHARK COMPANY. DO NOT EVER CONSIDER THIS PLACE FOR A LOAN...BUYER BEWARE!!