The CreditNinja Personal Loan is a personal loan from CreditNinja Personal Loan. The annual fee is $0. The ongoing APR is 35.99%. 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 - $5,000. Funding speed: same day or next business day. Loan terms: Up 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.