# NinjaCard® – Banking & Credit — user reviews > 70 indexed App Store user reviews of NinjaCard® by KMD Partners, LLC, rated 4.30/5 from 496 ratings. - Source: https://appshunter.io/ios/app/ninjacard-banking-and-credit/id6449604160/reviews - App overview in markdown: https://appshunter.io/ios/app/ninjacard-banking-and-credit/id6449604160.md - Rating breakdown: 5★ 373 · 4★ 29 · 3★ 15 · 2★ 9 · 1★ 70 ## What do users think of NinjaCard®? Overall sentiment: negative **Pros** - 🚀 Quick and fast fund disbursement - 👍 User-friendly application process - 💳 Easy-to-use app interface - ⚡ Simple navigation and design - ✅ Quick approval decisions - 🎯 Straightforward credit line access **Cons** - 💰 Unclear and predatory interest rates - 🚫 Misleading fee structures (ABD fees) - ⚠️ Compounding interest not clearly disclosed - 🔓 Data sharing with third-party lenders without consent - 📍 Service unavailable in many states but not disclosed upfront - 🚫 Continuous spam emails and calls after signup - ❌ Frequent account lockouts and fraud blocks - 😤 Poor and unresponsive customer service - 🔐 Potential account security and hacking concerns - 📋 Collects personal information then denies service **Commonly reported bugs** - Bank verification fails or loads indefinitely - App crashes on startup - Account access blocked after login - Incorrect bank options displayed - System update errors that never resolve - Funds promised but never received - Unexpected charges after account closure **Most requested features** - State availability disclosure before application - Clear fee and interest rate breakdown upfront - Opt-in/opt-out for third-party data sharing - Better bank verification system - Improved customer support responsiveness ## Newest reviews (15 of 70) ### 3/5 — No support *2025-12-22, version 1.90.0* Can’t connect to the bank at all I have try over 25 no support at all ### 1/5 — Garbage *2025-11-18, version 1.87.0* This app doesn’t give help to people who ACTUALLY need it. This app is a scam to get your private information while also denying you a credit line no matter what your credit score is. BE WARNED!! DO NOT DOWNLOAD THIS APP!!! ### 1/5 — Reviews are false *2025-09-29* I downloaded because I saw good reviews. First of all it kept loading into eternity for Truist bank. Kept saying error with loading. Had the loading sign for over 30 minutes. So I put in my chime bank info. Instantly denied. All my money is with Truist but it would not log into Truist bank. Just a scam to get your bank info. ### 1/5 — Want My Money Back *2025-09-28, version 1.83.1* It was going okay until I started to not see any money available then it took $522 out my bank when I needed that money for bills like I’m super upset I want to cry so bad because it put me behind on rent when I worked so hard to see a good check ### 1/5 — Scam *2025-09-11, version 1.82.0* They tried to hack my bank account & I had to get all new cards & contact my bank to fix it. Don’t get it!! ### 1/5 — Not as pictured *2025-08-15, version 1.79.0* Please be advised this app collects your info and connects you with “lenders.” Once you put your info in you will start receiving spam emails, calls, and text. Do not recommend this app ### 1/5 — Scam *2025-07-28, version 1.73.0* Scam!! They take your info and lock you out of your account!! Beware ### 2/5 — Says approved for 500 but *2025-06-14, version 1.64.1* Can’t get the bank verification continuously loads ### 1/5 — Issues *2025-06-13, version 1.64.1* I can’t get bank verification , tried several times but it won’t connect ### 1/5 — Frustration *2025-04-26, version 1.62.0* Doesn’t even give me the right bank to login to ### 1/5 — It’s a scam *2025-04-19, version 1.61.0* They just collect data and don’t approved you ### 1/5 — Scam *2025-03-25, version 1.58.1* Craziest scam ever ### 2/5 — Couldn't connect my bank *2025-03-09, version 1.57.0* Couldn't connect my bank and waited for an hour ### 1/5 — Scam *2025-01-15, version 1.51.0* App never works. It’s gets escalated and they say they fix it and never gets fixed. Customer service doesn’t help at all every time I can they are having “system updates” no one knows what they are doing. Never received funds. It’s a scam ### 1/5 — They send your info everywhere *2024-12-25, version 1.50.1* After signing up I got a flood of emails from shady “loans”. Do not recommend at all. I did not sign up to be spammed 19 emails in 30 mins ## Most critical reviews (10 lowest-rated) ### 1/5 — VERY SCUMMY APP *2026-05-29, version 1.100.1* A quick rundown since they are super scummy and won’t actually tell you the interest rate but instead use a bunch of words that really are confusing to most. Your interest rates are anywhere from 300-900% they will trap you in a never ending cycle. DO NOT USE! If you need extra quick cash go through Dave or tilt empower ### 1/5 — Scam *2026-05-10, version 1.100.1* I was signing up and put all my information in just to get denied with no explanation so my information is just stolen ### 1/5 — DO NOT DOWNLOAD *2026-04-07* I was struggling during Christmas time found out about this app through Money Lion, and it seemed like a decent option , I needed $800, and after doing the payment which was about 60 a month on top of a ABD fee (average daily balance) I paid over $300 and still owed about 700, on top of the monthly payment you’ll be charged twice a month for an abd fee which does not go towards the amount owed, for me it was $50, I took out a loan from the bank I use everyday to pay off this one and even tho I paid off the remaining balance , I still got charged another $50 something, paid that now I’m in the clear, AT ALL COSTS STAY AWAY FROM THEIR COMPOUNDING INTEREST ITS NOT CLEAR WHEN YOU GO THROUGH THE APPLICATION PROCESS ### 1/5 — SCAM ALERT !!!!!!!!!!!! *2026-01-09* The answer is YES this app is a true scam tbh I don't even know where I found this app but when signed up everything looked legit I gave them all my personal info and linked my primary BANK account due to being promised I could get a $1300 credit line once I logged into my bank thru their app I received a message saying pending verification 2 hours later I lost all access to my bank account and they called me explaining that my account was now temporarily blocked due to fraud STAY AWAY THEM MFS TRIED TO TAKE $900 FROM MY ACCOUNT ### 1/5 — HORRIBLE *2025-12-31, version 1.90.2* This app is HORRIBLE, it will deny you continuously to sell your info and its ridiculous. I should report the app because of how they operate ### 1/5 — They send your info to 3rd party *2025-12-12, version 1.88.0* I’m sooooo irritated!!! 😡 they send my information to a 3rd party credit lender WITHOUT MY PERMISSION! Now I’m getting constant calls and emails. Super frustrating and annoying! Looking into a lawsuit in regards to this now ### 1/5 — Terrible *2025-12-06, version 1.88.0* This company should be ashamed of themselves they make you waste your time applying to not be approved ### 1/5 — No approval *2025-12-02, version 1.88.0* Terrible ### 1/5 — They are robbing me. *2025-12-02, version 1.88.0* You charge illegal interest rates and are not clear in your contracts. Your customer service is terrible and unprepared; be careful with the proposals they send to your home. I hope this helps you protect yourselves. ### 1/5 — Do your research *2025-11-21, version 1.87.1* I was just about to download this app, but then I seen the low rating it had so I did my research on Google and it seems this app charges a higher interest rate and seems very scammy in my opinion so don’t trust it ## Most praised reviews (10 highest-rated) ### 5/5 — Ninja card *2026-04-14, version 1.96.0* Great app for cash advance and loans check it out! ### 5/5 — NinjaCard *2026-02-11, version 1.91.0* I love it so so much it helps me so much ### 5/5 — Good *2025-12-08* For me NinjaCard has worked out fine I would recommend it. ### 5/5 — Great immediate help! *2025-10-01* Mannnn it came the next day in my account! Gave me a credit line way more than I expected . Great simple process . Quick and easy ### 5/5 — Great Service *2025-08-17, version 1.79.0* Service is great ### 5/5 — Great App, Super Easy to Apply *2024-08-13, version 1.38.1* The app works great, and the application form was super easy to fill out ### 5/5 — Easy Application Process *2024-07-16* The application process was quick and straightforward. I received my funds faster than expected. Highly satisfied customer, thanks NinjaCard! ### 5/5 — Love it! *2024-07-16* The app runs smoothly and is easy to navigate. Customer service is always helpful when I have questions. I would highly recommend this line of credit! ### 5/5 — Thanks! *2024-07-16* From the credit app to approval, and utilizing the app once I got my fundss, it all went smoothly. ### 5/5 — Best Card and App Ever *2024-07-16* This app is so user friendly and easy to use! I also love the line of credit that Credit Ninja gave to me! I highly recommend this card and app! Best thing I ever did! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*