The CreditNinja Lending, LLC is a personal loan from CreditNinja Lending, LLC. The annual fee is $0. The ongoing APR is As low as 35.99% APR, fixed for the life of the loan; rate personalized. Approval typically requires a credit score of None! or higher. Rewards: No prepayment penalty. Uses Instant Bank Verification (IBV) for income verification.. Typical credit limit: $300 to $5,000, based on income and financial history. Funding speed: same-day funding. Loan terms: Fixed-rate installment loan, 3 to 24 months. Loan amounts $300-$5,000, terms 3-24 months. ~5% origination/loan fee. No minimum credit score required. Lending partners include Capital Community Bank.