Lender · complaint record
CreditNinja Lending complaints
Filed under CreditNinja Lending, LLC
Consumers have filed 313 complaints about CreditNinja Lending since 2018, 135 of them in the last 12 months (+69% on the year before). It answered 100% on time and closed 4% with relief for the customer - less often than a typical lender. The most common problem is charged fees or interest you didn't expect. It is the 22nd most complained-about of 272 personal & payday lenders this year.
Average response record. How it works
- Complaints on record
- 313
- Last 12 months
- 135
- Answered on time
- 100%
- Closed with relief
- 4%
- Last 30 days
- 6
- Rank
- #22 of 272
Since October 2018
+69% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 5, 2026
Most complained-about personal & payday lenders
CreditNinja Lending complaints by month
The busiest month was November 2025 (17 complaints). Complaints in the last 12 months are up 69% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CreditNinja Lending answered last 12 months
- Closed with monetary relief32.2%
- Closed with non-monetary relief21.5%
- Closed with explanation13096.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers13/403.7% closed with relief
- Complaint trend3/15+69% vs last year
What CreditNinja Lending complaints are about
Top CreditNinja Lending problems last 12 months
Where CreditNinja Lending complaints come from
Most complaints: Texas (104), Florida (43), California (32), South Carolina (19), Missouri (16).
CreditNinja Lending compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Wolf River DevelopmentPayday & personal loans | 50 | 164 | C |
| 2 | SpotloanPayday & personal loans | 53 | 152 | C |
| 3 | PatientFiPayday & personal loans | 67 | 143 | B |
| 4 | Advance America, Cash Advance CentersPayday & personal loans | 11 | 136 | F |
| 5 | CreditNinja LendingPayday & personal loans | 61 | 135 | C |
| 6 | Flexible FinancePayday & personal loans | 45 | 131 | D |
| 7 | AlcarPayday & personal loans | 10 | 116 | F |
| 8 | Sunlight FinancialPayday & personal loans | 3 | 116 | F |
Compare side by side: CreditNinja Lending vs Wolf River Development · CreditNinja Lending vs Spotloan · CreditNinja Lending vs PatientFi · CreditNinja Lending vs Advance America, Cash Advance Centers
What people say about CreditNinja Lending
All experiencesNo experiences with CreditNinja Lending yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CreditNinja Lending complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 5, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Nov 2, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 29, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 19, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 19, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 6, 2026 | Payday & personal loans | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 24, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 22, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about CreditNinja Lending
How many complaints does CreditNinja Lending have?
CreditNinja Lending has 313 complaints on record since October 2018, including 135 in the last 12 months and 6 in the last 30 days. That makes it number 408 of every company by complaints this year.
Does CreditNinja Lending respond to complaints?
Yes. CreditNinja Lending answered 100% of its complaints on time (within 15 days) and closed 4% with relief - money back or a fix; 2.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 61/100 (grade C).
What do people complain about most with CreditNinja Lending?
The most common problems are charged fees or interest you didn't expect (79), attempts to collect debt not owed (37), struggling to pay your loan (26).
Is CreditNinja Lending legit?
CreditNinja Lending is a real company with a public complaint record: consumers have complained about it 313 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CreditNinja Lending legit? for the signals, red flags and how to protect yourself.
Are complaints about CreditNinja Lending going up or down?
Up. There were 135 complaints in the last 12 months against 80 in the 12 before (+69%). See every month.
How do I file a complaint against CreditNinja Lending?
Complain to CreditNinja Lending in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most CreditNinja Lending complaints come from?
Most come from Texas (104), Florida (43), California (32). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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