CreditNinja offers loans to US borrowers. No minimum credit score requirement and a fast, easy application process are why thousands of customers choose this lender. Unfortunately, there’s no CreditNinja Canada. But if you’re looking for alternatives, check out these loans like Credit Ninja.
7 loans like CreditNinja in Canada
Good for loan search platform for good & bad credit:Loans Canada
Good for loan search platform with the largest lender network:LoanConnect
Loan Canada will connect you with lenders who are willing to work with you. The platform works with an extensive network of partner lenders across Canada. Both good and and credit applicants are welcomed to apply, and you could receive funds in as little as 24 hours
Easy online application
Quick deposits
High loan amounts of up to $50,000
No collateral required to secure your loan
Interest rates can reach as high as 46.96%
Not a direct lender
Loan amount
$300 – $50,000
APR
9.9% – 46.96%
Term
4 - 60 months
Min. credit score
300
Fees
No application, origination or brokerage fees
Origination fee
0
Turnaround time
Receive funds in as little as 24 hours.
Good for loan search platform with the largest lender network: Loan Connect
LoanConnect is an online broker that will help you find a suitable loan from its partner lenders. Fill out a single application and get matched with multiple loan offers. It takes just 5 minutes to find out if you're pre-approved, and you can apply with bad or good credit.
Fast, free and easy to use
Get pre-approved within minutes of applying
Secured and unsecured loan options
Interest rates up to 46.96%
Not a direct lender
Loan amount
$500 – $60,000
APR
8.99% – 46.96%
Term
3 - 120 months
Min. credit score
300
Fees
No application, origination or brokerage fees
Origination fee
0
Turnaround time
Receive funds in as little as 24 hours.
Good for easy online loan applications: Spring Financial
Spring Financial works with borrowers who have trouble getting loan approval from banks and credit unions. Apply entirely online. No collateral is necessary, and you can pay off your loan any time without penalty.
Fully online application
Apply with good or bad credit
No fees for applying, maintenance or any other hidden costs
Interest rates of up to 46.99% for bad credit
Some applicants may be offered a credit builder loan instead of a personal loan
Good and bad credit applicants can find secure and unsecured loans with easyfinancial. Applying is fast and easy, and it's possible to get a lower rate with a co-applicant.
Secured and unsecured loan options
2% rate reduction with a co-applicant
Flexible repayment options
Steep rates for bad credit
Many negative customer reviews
Loan amount
$500 – $100,000
APR
9.99% – 46.96%
Term
9 - 120 months
Min. credit score
300
Fees
you may come across non-sufficient funds fees, late payment fees, missed payment fees or admin fees
Get a free no-obligation quote in minutes without impacting your credit score. This CreditNinja alternative offers flexible loan amounts and terms. Most Mogo loans come with a 100-day trial—if you don't like your loan, you can return the principal and get back any fees and interest you've paid.
Loan flexibility, starting at $500 up to $35,000
Lower starting rate at 9.9%
No early repayment penalties
Apply with good or bad credit
Rates as high as 46.96%
100-day trial not available for all Mogo loans
Loan amount
$500 – $35,000
APR
9.9% – 46.96%
Term
6 - 60 months
Min. credit score
600
Fees
Non-sufficient funds fee of $20 to $50
Origination fee
$0
Turnaround time
Within 24 hours
Good for small loans with fast funding: LoansLoans
LoansLoans.ca is a broker that connects borrowers with short-term installment loans and payday loans. The maximum APR is less than Spring Financial, easyfinancial and Mogo. You can apply online and get a decision within an hour. But you must earn at least $1,200 and receive funds by direct deposit to get approved.
Get funded within 24 hours
Bad credit is okay
Pay your loan off early without penalty
High rates
Broker fee
Maximum $1,000 loan amount may not be enough
Loan amount
$500 – $1,000
APR
28% – 32%
Term
3 - 12 months
Min. credit score
300
Fees
Late payment fee (2.66% per month), $45 NSF fee, broker fee
Origination fee
$300
Turnaround time
Receive funds in less than 24 hours
Good for small loans with no credit check: Credito
Credito provides short-term loans of up to $850 with no credit check. Apply entirely online with no paperwork required. Choose between a weekly, bi-weekly or monthly repayment schedule.
No credit checks
Get funded within 24 hours
Easy to apply online
High brokerage fees
High APR
Maximum loan amount of $850 won't suit everyone
Loan amount
$500 – $850
APR
Starting at 23%
Term
90 - 120 days
Fees
$225 brokerage fee (amount set at broker's discretion)
CreditNinja is a US-based loan provider. It doesn’t require a minimum credit score, making it an option for borrowers with bad credit. Minimum and maximum amounts vary between US states but could reach $5,000 with same-day funding available for some borrowers. Terms range from four to 24 months, providing a little breathing room to repay.
However, CreditNinja loans might come with an origination fee, and it doesn’t disclose how high its interest rates are, which might be a red flag. It does say that Military Annual Percentage Rate (MAPR) can exceed 36%. meaning borrowers protected by the US Military Lending Act are not eligible to apply.
The MAPR is an interest rate figure calculated according to Title 32 of the US Code of Federal Regulations. It’s similar to the APR but reflects additional loan costs. MAPRs above 36% can often translate into triple-digit APRs.
Pros
Loans up to $5,000
Accepts bad credit borrowers
Flexible repayment terms
Cons
Charges origination fees
High APRs
Website doesn’t disclose exact rates and fees
CreditNinja reviews
CreditNinja reviews are generally positive. As of the time of writing, it’s rated 4.5 stars on Trustpilot based on over 8,200 customer reviews and 4.3 stars on Google reviews based on feedback from more than 1,100 customers. Positive reviews often mention how easy it is to apply and get a loan, while negative reviewers mention high loan costs and issues with customer service.
CreditNinja reviews on the Better Business Bureau website are somewhat lower, with the lender earning a 3.7 rating based on over 270 reviews. CreditNinja has a “B” rating from the Better Business Bureau, but it’s not BBB accredited.
Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio
Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf. See full bio
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