CreditNinjaReviews 

Reply from CreditNinja

Jun 9, 2026

Dear J,
We’re sorry to hear you're feeling this way. Our goal is always to be transparent and supportive throughout the lending process. If you received a pre-approval notice, you met certain qualification criteria when the pre-approval offer was generated. Your financial situation may have changed between then and the date of your application, which may have led to a different decisioning outcome. At CreditNinja, we're committed to ensuring that all approved applicants have an opportunity to fully review all loan terms prior to signing, including information about the annual percentage rate (APR) and other fees along with details about the applicable 3-day cancellation window. High-APR loans are not recommended as long-term financial solutions; your choice of a loan product should match your needs and ability to repay. It’s important to note that you are still within your rescission period, which allows you time to review the terms and cancel if you choose.
As a returning repeat customer, we are excited to see your loan terms have improved with every return visit. We’d appreciate the opportunity to discuss your concerns directly and ensure you feel fully informed and comfortable with your decision. Our friendly customer service team is available to answer questions at any time, before and after signing. For further assistance, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.

Reply from CreditNinja

Jun 9, 2026

Dear Rhanmis,
Thank you for reaching out, and thank you for your interest in our loan products. If you received a denial notice, the decision was carefully made by either us or a third-party lender, based on the details of your application. CreditNinja is a direct lender in many states, and in others, we make and arrange loans with our trusted lending partners. We understand how frustrating it can be to receive unwanted phone calls, text messages, or emails, and we want to assure you that protecting your privacy is very important to us.
To learn more about how your information is stored and shared, please visit our website to view our Privacy Policy. If you would like to discuss this matter in further detail, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.

Reply from CreditNinja

Jun 9, 2026

Dear Stephanie,
Thank you for reaching out. At CreditNinja, we’re committed to providing accurate and efficient loan servicing, and we understand how important timely funding is to our customers.
As noted on the homepage of our website under Loan Disbursement, applications approved before 10:30 a.m. CT, Monday through Friday, are generally funded the same business day. Applications approved after that time are typically funded the next business day. In some cases, additional verification may be required. If so, the loan, if approved, will be funded the business day after the verification is completed. We appreciate your feedback, as it helps us continue to improve our products and services. If you’d like to discuss your experience further, please call us at (855) NINJA-01 ((855) 646-5201) or e-mail support@creditninja.com.