Loans Like CreditNinja | 5 Best CreditNinja Alternatives in 2021

Credits, be they short-term or long-term, are part of our everyday life. And, sometimes, we need a small buffer, to quickly solve some stringent financial matters. Alternative loans like CreditNinja may be the savior solution in the short run, particularly if your credit score is not great and your options are limited.

Loans Like CreditNinja – #1 Alternative: Viva Payday Loans

  Loan Amounts Loan Terms APR Range Loan Fees Customer Support
Viva Payday Loans $100 – $5,000 2 to 24 months 5.99% –  35.99% Depend on lender Phone: No

Email: Yes

Shopfront: No

CreditBox $100 – $4,000 Up to 12 months Up to 499 % Yes, check the contract Phone: Yes

Email: Yes

Shopfront: No

King of Kash $100 – $5,000 1 – 12 months Up to 1,200% Yes, check the contract Phone: Yes

Email: Yes

Shopfront: Yes

Check City $50 – $5,000 8 days – 6 months 208.57% to 912.5% Yes, check the contract Phone: Yes

Email: Yes

Shopfront: Yes

Fig Loans $50 – $1,000 1 – 6 months 35.99% – 211% No Phone: No

Email: Yes

Shopfront: No

Best Loans Like CreditNinja – Quick Pick

  • Viva Payday Loans – Best for Instant and Quick Loans
  • CreditBox – A Great Credit-building Alternative
  • King of Kash – Popular Among Small Business Owners
  • Check City – Competitive Annual Percentage Rates
  • Fig Loans – Flexible Terms and Conditions

What Are CreditNinja Loans?

CreditNinja is an online lending platform that was designed with consumers having financial difficulties in mind. As a relatively young company, launched in 2018, they already helped about 200,000 clients and delivered some 300,000 loans during this time.

CreditNinja’s purpose is to provide more affordable financial support for customers having a less than fair credit score when they most need it.

The primary benefits of their services are simple, quick, and online application process, fast funding, and great customer service. CreditNinja’s services are available in the following U.S. states: Florida, California, Alabama, Missouri, Mississippi, Illinois, Ohio, New York, New Mexico, Texas, Utah, South California, and Wisconsin.

Common Uses of CreditNinja Loans

CreditNinja’s offer includes three large categories of loans: personal loans, bad credit loans, and online installment loans dedicated to borrowers with a bad credit score.

Here are some types of loans they provide:

Bad credit loans is a priority category of clients for CreditNinja, 16 types of such loans are available. One can choose from personal loans with a co-signer, joint personal loans, personal loans for bad credit, peer-to-peer loans for a poor credit score, payday alternative loans, invoice financing, equipment financing, car title loans for bad credit, among others.

Online installment loans are usually used to finance mid to large expenses or to rebuild credit. The loan is repaid in fixed payments.

Cash advance loans are used in unexpected situations and are meant to cover expenses like medical bills, car repairs, home repairs, etc.

Debt consolidation loans are tools used to merge other credits that have high-interest rates into one fixed monthly payment with smaller interest.

No credit check loans – Persons with poor credit scores have difficulties in obtaining a loan and new applications that are rejected affect the credit score even more. No credit check loans are an alternative to avoid such situations.

Payday loans – Short-term loans for bad credit borrowers to support them solve immediate financial difficulties.

How to Qualify for Loans Like CreditNinja?

The eligibility criteria are established by each lending company, but usually, they include some of the following:

  • Residence in a state where the lender provides services.
  • Adult age (18 years or higher depending on the state).
  • Proof of steady monthly revenue.
  • Creditworthiness (500 points or more) and borrowing history.
  • Bank account.

Top 5 CreditNinja Alternatives – Fully Reviewed

1. Viva Payday Loans – Most Preferred and Trusted Lender

Viva Payday Loans is outstanding in the lending arena because of its marketplace characteristic. It gathers under the same umbrella a plethora of online lenders ready to compete for you as a client. Thus, while accessing Viva Payday Loans you will have multiple options available at the moment you will need them.

Built on world-class technology, their online infrastructure is designed to deliver top lending services while connecting each client with reliable lenders offering optimum solutions for each case. A remarkable fact is that they have the capacity to deliver the requested funds in under 15 minutes if the conditions are accomplished.

Viva Payday services are available across the U.S. with the following exceptions: West Virginia, New York, New Hampshire, Montana, Arkansas, Minnesota, Vermont, South Dakota, Connecticut, and  Indiana.

Having many lenders on their platform, they propose a large variety of loan types: Secured Loans, Unsecured Loans, Installment Loans, $100 Loans, Fast Loans, Cash Loans, Unemployed Loans, Same Day Loans, Bad Credit Loans, Cash Advance, etc.

Annual Percentage Rate (APR) range  5.99% –  35.99%
Fees Depends on the lender
Term 2 – 24 months
Amount  $100 – $5,000
Time to Receive Funds Usually on the same day. Depends on the lender.
Rating 4.4


  • Loan marketplace, with a wide selection of lenders.
  • A large variety of lending products, that are sorted upon the clients’ needs.
  • You can apply no matter your credit score.
  • Fast application process.
  • Fast money disbursement, sometimes in under a quarter of an hour.


  • Services are not available in all states.
  • Loans have rather high costs and may be considered expensive.
  • One has to pass through the application process to see the interest range that he qualifies for. Upfront there is no information on the matter.

Viva Payday Loans’ extensive offer includes loans like CreditNinja, and is a very reliable provider, able to identify solutions for any case. Particularly for borrowers with a thin credit score or no credit history.

2. CreditBox – Good for Short Term Loans

CreditBox is today an online lending platform that offers loans in a hassle-free manner. Their scope is to evolve with their customers’ lifestyle and provide a fast, friendly, and fair financial service. You can use the loan for literally anything.

CreditBox launched its operations in 2013 in Illinois and along the time extended in other states like Nevada, Tennessee, Missouri, Wisconsin, South Carolina, New Mexico, and Utah. But as of November 2021, they do not offer services in Illinois anymore.

The company’s offer includes flex loans and installment loans, and a referral program that awards cash if a person recommended by you gets a loan with them.

Annual Percentage Rate (APR) range  Depending on state up to 499%
Fees Depending on the state, no origination fee, no prepayment fee, there are returned payment  fees
Term Depends on state up to 12 months
Amount  $100 – $4,000 depending on the state
Time to Receive Funds The same day or the next business day
Rating 3.7


  • Fast application process.
  • Loans funded in less than 24 h.
  • Loan of up to $4,000


  • Present just in a few states.
  • High-interest rates.
  • Limited offer.

CreditBox is an option for borrowers looking for a fast application process and quick funding.

3. King of Kash – Loans with Guaranteed No Credit Checks

King of Kash is a customer-centric financial service company, characterized by fairness and integrity, with a strong presence online and offline. The company has extensive experience in the industry of several decades, it launched operations in 1978 when it opened its first store.

King of Kash had a steady evolution and expanded in several states: Missouri, Alabama, Utah, Kansas, Delaware, Idaho, Mississippi, New Mexico, Tennessee, Texas, and Wisconsin.

Their offer includes personal loans, signature loans, installment loans, and lines of credit. Plus, a referral program.

Annual Percentage Rate (APR) range  Varies with the state – up to 1,200 %
Fees Yes
Term 4 – 12 months
Amount  $100 – $5,000 depending on the state, first-time borrowers up to $800
Time to Receive Funds Same day
Rating 3.1


  • No credit checks.
  • Funding on the same day after approval.
  • No origination fees.


  • Very high APR.
  • Low amounts loans.
  • Valid Social Security Number.

King of Kash is a valid option for borrowers with a bad credit score who need money quickly.

4. Check City – A Great Credit-building Alternative

Check City

Check City is a payday loans provider offering in-store loans in its locations and online loans via its online platform. They are present in several American states: Utah, Kansas, Nevada, Alabama, Alaska, Washington, California, Hawaii, Missouri, Texas, Wyoming, Idaho, and  Wisconsin.

The company launched its activity way back in 1986, as a simple check-cashing store. Since then they evolved and expanded, and now have a rich financial services offer. Currently, it includes payday loans, installment loans, personal loans, cash advances, cash for gold, title loans, etc.

Check City provides loans like CreditNinja and they aim to approve applications very quickly, sometimes in seconds. Flexible, convenient, advantageous, and designed to fit your payment capacities. Plus, they put in place an attractive referral program that gives rewards for paying in due time and for recommending their services.

Annual Percentage Rate (APR) range  208.57% – 912.5%
Fees Yes. Varies upon the state
Term 8 days – 6 months
Amount  $50 – $5,000
Time to Receive Funds Same-day or the next day after approval
Rating 3.9


  • This is a direct lender.
  • No checks on your credit score.
  • The terms and conditions are transparent.
  • Simple and quick application process.


  • Interest rates are higher than for other types of loans.
  • Sometimes, if you apply in-store you may receive your money quicker than if you would have applied online.
  • They are present with stores and online offer in just several states.

Check City’s offer might be interesting for you, if they are present in your residence state and if you cannot access other financial alternatives that might be more advantageous for you.

5. Fig Loans – Reasonable APRs

Fig Loans

Fig Loans is an online lending platform providing short-term loans that aim to be a reliable alternative to payday loans. Plus, the possibility to build a credit history for borrowers who need it. Fig aims to offer each client a loan tailored to his needs in terms of costs and repayment schedule.

The primary benefit promised by the company is a flexible payment schedule paired with a fixed rate.

Loans via Fig are reported to the following bureaus of credit Equifax, TransUnion, and Experian, providing the opportunity of building a credit history, if the payment schedule is respected. Besides their primary role of solving immediate money struggles.

Fig Loans’ financial services are available just for the residents of the following states: California, Illinois, New Mexico, Florida, Ohio, Missouri, Texas, and Utah.

Annual Percentage Rate (APR) range  35.99% – 211%
Fees No
Term 1 – 6 months
Amount  $50 – $1,000 depending on the state
Time to Receive Funds 4 business days
Rating 3.5


  • Applicants having a fair credit score or no credit history are welcome to apply.
  • Possibility to build a credit history.
  • Reports to three bureaus of credit.
  • Zero origination fees and zero late fees.


  • Interest rates are rather high.
  • There is no pre-approval process and no soft credit check.
  • Offers just small amounts for short periods of time.
  • Offer valid just in several states.

Fig Loans’ offer can be an interesting alternative for borrowers with a poor credit score or for those looking to build a credit history.

Features of Viva Payday Loans

Loans like CreditNinja have a myriad of alternatives, but one of the most interesting is that of the Viva Payday Loans marketplace.

Its main characteristics are:

An extensive range of respectable lenders. Viva Payday Loans gathered under its umbrella a series of transparent and serious direct lenders, capable of satisfying even the highest exigences in terms of short-term loans.

Flexible loan amounts and affordable in comparison with the competition. Viva Payday’s offer includes small loan amounts between $100 and $5,000.

Fair rates of interest. Viva Payday’s interest rates range is somewhere between 5.99% and 35.99%. Their competitors’ rates may be several times higher. Moreover, it’s recommended to check attentively other fees that might appear, like origination fees, late payment fees, exit fees, etc.

Instant Loans. Their application process is straightforward and fast. You will be able to receive the money within the same day or during the next business day.

Reasonable loan term. Most often between two months and two years.

Resilient repayments schedule. You have the possibility to opt for a weekly, fortnightly, or monthly payment schedule.

It’s worth noting that short-term loans are recommended just for urgent cash issues. So, borrow just the sum that’s needed and not the sum that you qualify for. Because these types of loans can easily turn into extra costs that you don’t want.


  • You will receive several options for your loan and will be redirected to the lenders capable of satisfying your needs in the best conditions.
  • Quick response to your application, in a couple of minutes or even instant.
  • All applicants are welcomed no matter their FICO score.


  • Instant cash loans and payday loans are expensive financial solutions. Interest rates are usually higher than those of other types of credit.

How to Get Loans Like CreditNinja?

Each creditor has its eligibility criteria, but in general, the procedure of getting a payday loan comprises steps that are somehow similar.

Let’s follow in detail an application procedure for alternative loans to CreditNinja, based on the example of Viva Payday Loans:

Step 1: Visit Viva Payday Loans Website

Visit the Viva Payday Loans website at Vivapaydayloans, and verify the “How to Apply” procedure presented on the tab with the same name. Then click on the green button called “Request funds” under the above-mentioned tab or the “Apply” button present on any page in the upper right corner.

Step 2: Complete the Application Form

In this case, it comprises four stages “Select amount”, “Register”, “Identify”, and the last one “Receive Money”.

  • The first page of the application process needs the following information completed: your email address and the sum of money you need to borrow.
  • Next insert your personal information: name, address, date of birth, residence status, and phone.
  • Then provide details related to your revenues: monthly income, income type,  job title, company, frequency of payment.
  • Advancing further you are requested to insert information regarding the loan transfer as bank account number, bank name, bank type, bank ABA, your Social Security Number, plus your driver’s license number.
  • Finally, read and accept conditions and terms, then click “Submit”.

Step 3: Get your Decision

After the completion of the form, you will be redirected to a page that lists a set of lenders appropriate for your case and their corresponding offers. Check them and complete the remaining stages.

Step 4: Receive your loan

Following the approval of your application, you can expect to receive your borrowed funds the same day or the subsequent business day.

Request Your Loan at our Top Rated Provider – Viva Payday Loans


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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.