Truth score 81 out of 100, High truth signals. Customer satisfaction: mostly satisfied

81/ 100

Truth score

High truth signals

Customer satisfactionMostly satisfiedFrom independent reviews, weighed by their number

Trustpilot12,039 reviews4.5

SmartCustomer6 reviews · not counted3.6

Reviews.io4 reviews · not counted2.0

BBB45 of 100 resolvedB

creditninja.com

Unclaimed

Rating: 4.5 ⭐⭐⭐⭐⭐ on Trustpilot3.6 ⭐⭐⭐⭐ on SmartCustomer2.0 ⭐⭐ on Reviews.io
Reviews: 12,049 reviews
Years in business: 20 years
Address: 27 North Wacker Drive, Suite 404, Chicago
Email address: support@creditninja.com
Phone number: +1 855-646-5201
Contact page: creditninja.com/contact_us/
Website: creditninja.com

creditninja.com

CreditNinja - Simple Online LoansGet the cash you need, at ninja speed. CreditNinja offers quick online personal loans, even if you have bad credit. Apply today and get up to $2,500 by tomorrow!

Checked on 10 Oct 2026, 18:05

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Summary

Get Markdown

Is creditninja.com legit and trustworthy? Truth score 81 out of 100, high truth signals: 7 of 10 public checks clear, 1 to be cautious about, 2 for information. Legitimacy confidence: high. Customer satisfaction: mostly satisfied.

We read 4 of its pages: contact, about, terms and privacy. Its website address was registered 20 years ago, and is locked against transfer to someone else. It is on 5 social media platforms (Facebook, Instagram, LinkedIn, X and YouTube), with its largest audience of 5,986 followers on LinkedIn. Customers have left 12,039 reviews on Trustpilot, averaging 4.5 stars out of 5. Google Safe Browsing shows no malware or phishing warnings for its website. Be cautious: its 4 reviews on Reviews.io average only 2.0 stars out of 5.

Important context: Truth Signal weighs public evidence about this business. A high score means strong evidence that the business is established and legitimate, not a promise that every purchase will go well. A low score means the evidence is thin or raises concerns, not that the business is a scam.

Positives

We read 4 of its pages · contact, about, terms and privacy.
Its website address was registered 20 years ago.
It is on 5 social media platforms (Facebook, Instagram, LinkedIn, X and YouTube); the largest audience is 5,986 followers on LinkedIn.
Excellent independent reputation · 12,039 reviews on Trustpilot, rated 4.5 stars out of 5.
Google Safe Browsing shows no malware or phishing warnings for its website.

Be cautious

A low number of independent reviews (4 on Reviews.io), but it falls short with only 2.0 stars out of 5.

How to check if creditninja.com is legit

1 be cautious · 7 clear · 2 for information

To check if creditninja.com is legit yourself, look at the same public records we did: the company register, who owns the web address and since when, customer reviews, visitor numbers, how long the site has existed, social profiles, malware lists, data breaches and email security. Each row below shows what that record says about creditninja.com; open a row to see the facts and the source to check them yourself. Step by step: how to know if a shopping site is legit.

Who they are

Company detailsBased in the US; serves the US · BBB rating BFor information

The Better Business Bureau rates it B, and does not accredit it; 45 of its 100 complaints closed in three years were resolved to the customer's satisfaction

Country

Where the company is based: US
Why we believe that: its phone number starts +1, its postcode is a US zip code, its Better Business Bureau profile is a US listing
Which countries the company serves: US
Why we believe that: $ prices on its homepage, its structured data names the area it serves, its delivery page says it ships to the US

Better Business Bureau

Better Business Bureau profile: Found
BBB rating: B
BBB accredited: No
BBB complaints closed in three years: 100
BBB complaints closed in twelve months: 35
BBB complaints resolved to the customer's satisfaction: 45
BBB complaint types: Billing Issues: 54, Service or Repair Issues: 15, Order Issues: 11, Customer Service Issues: 8, Sales and Advertising Issues: 7, Product Issues: 5
BBB customer reviews: 710
BBB reasons for rating: 100 complaint(s) filed against business
BBB business started: 19 Oct 2017
BBB file opened: 19 Jul 2018

SourcesBBB profile

Domain registrationIts website address was registered 20 years agoClear

Its website address is locked against being transferred to someone else

Domain age: 20 years
Domain transfer lock enabled: Yes

Website detailsWe read 4 of its pages: contact, about, terms and privacyClear

Company contact email is available
Company contact phone number is available

Pages foundContact About Terms Privacy

HTTPS enabled: Yes
Contact email or contact form available: Email
Contact phone number found: +1 855-646-5201

What its pages say

Quoted word for word from creditninja.com.

In their own words: “CreditNinja is a licensed online lender serving borrowers across multiple states with transparent personal installment loans. Our technology-driven approach provides efficient processing while maintaining responsible lending practices that help customers achieve their financial goals and build credit. Planned expenses, unexpected costs, and life transitions all call for options that are easy to understand.” About page

SourcesHomepage About page Contact page Privacy page Terms page

Reputation and track record

Customer reviewsRated 2.0 stars out of 5 from 4 reviews on Reviews.ioBe cautious

Rated 3.6 stars out of 5 from 6 reviews on SmartCustomer
Rated 4.5 stars out of 5 from 12,039 reviews on Trustpilot

Platform	Rating	Reviews
Trustpilot	4.5 out of 5	12,039
SmartCustomer	3.6 out of 5	6
G2	Not found
Capterra	Not found
Reviews.io	2.0 out of 5	4
Feefo	Not found

Independent review platforms: 1
Trustpilot rating: 4.5 out of 5
Trustpilot review count: 12,039

Visitor trafficReal people visited its website in 24 of the last 24 months (Google Chrome usage data)For information

Real people have visited its website since February 2021 or earlier

Google Chrome usage data

Popularity among Chrome users: top 100,000 sites
First known user traffic: Feb 2021 or earlier
Months with real traffic, of the last 24: 24
Traffic pattern: sustained
Rank jump in the last 12 months: none
Rank drop in the last 12 months: none

Web history and authorityThe Internet Archive first saved a copy of its website 25 years agoClear

Website archive history: 25 years
Wikipedia page: no

Social presenceIt is on 5 social media platforms (Facebook, Instagram, LinkedIn, X and YouTube); the largest audience is 5,986 followers on LinkedInClear

Its YouTube channel has 4,010 subscribers and 334 videos, the latest uploaded 14 days ago

Platform	Profile	Audience
Facebook	Profile	3,200 followers
Instagram	Profile	841 followers
X	Profile	Unknown
LinkedIn	Profile	5,986 followers
YouTube	Profile	4,010 subscribers
TikTok	Not found

Social platforms with discovered profiles: facebook, instagram, linkedin, x, youtube
Social follower counts: 14,037 followers in total
YouTube channel: 334 videos, 4,010 subscribers, last upload 14 days ago

Safety

Malware and phishingGoogle Safe Browsing shows no malware or phishing warnings for its websiteClear