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Loans Like CreditNinja

CreditNinja offers bad credit loans in the US. You can't apply in Canada, but you can explore these CreditNinja alternatives.

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
  • Good for easy online loan applications: Spring Financial
  • Good for bad credit loans: easyfinancial
  • Good for getting a quick quote without hurting your credit score: Mogo
  • Good for small loans with fast funding: LoansLoans
  • Good for small loans with no credit check: Credito

Good for loan search platform for good & bad credit: Loans Canada

Loans Canada Personal Loan
Finder Score:
★★★★★
Customer Survey:
★★★★★
Go to site Read review

Loans Canada Personal Loan

$300 – $50,000
Loan amount
9.9% – 46.96%
APR
4 - 60 months
Term
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 Personal Loan
Finder Score:
★★★★★
Customer Survey:
★★★★★
Go to site Read review

LoanConnect Personal Loan

$500 – $60,000
Loan amount
8.99% – 46.96%
APR
3 - 120 months
Term
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 Personal Loan
Finder Score:
★★★★★
Customer Survey:
★★★★★
Go to site Read review

Spring Financial Personal Loan

$500 – $35,000
Loan amount
9.99% – 46.99%
APR
6 - 60 months
Term
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
Loan amount $500 – $35,000
APR 9.99% – 46.99%
Term 6 - 60 months
Min. credit score 550
Fees No fees except $30 NSF fee
Origination fee N/A
Turnaround time Within 24 hours

Good for bad credit loans: easyfinancial

easyfinancial Personal Loan
Finder Score:
★★★★★
Customer Survey:
★★★★★
Read review

easyfinancial Personal Loan

$500 – $100,000
Loan amount
9.99% – 46.96%
APR
9 - 120 months
Term
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
Turnaround time Approval within 30 minutes

Good for getting a quick quote without hurting your credit score: Mogo

Mogo Personal Loan
Finder Score:
★★★★★
Customer Survey:
★★★★★
Go to site Read review

Mogo Personal Loan

$500 – $35,000
Loan amount
9.9% – 46.96%
APR
6 - 60 months
Term
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 Installment Loan
Finder Score:
★★★★★
Go to site Read review

LoansLoans.ca Installment Loan

$500 – $1,000
Loan amount
28% – 32%
APR
3 - 12 months
Term
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 Installment Loan
Finder Score:
★★★★★
Read review

Credito Installment Loan

$500 – $850
Loan amount
Starting at 23%
APR
90 - 120 days
Term
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)
Turnaround time within 24 hours

What is CreditNinja?

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.

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Written by

Associate editor

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

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Co-written by

Writer

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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