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NinjaCard

NinjaCard

Line of Credit

426 ratings
68 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 22, 2024
  • July 9, 2026

Features

Developer

KMD Partners, LLC
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About

Access a revolving line of credit for flexible borrowing and build your credit history. Manage your account, get cash on demand, and make easy repayments directly from your mobile device.

✓Revolving line of credit
✓Access cash on demand
✓Next business day funding
✓Easy in-app repayments
✓Build credit history
✓No hidden fees
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What users say

Summarized from real user reviews of NinjaCard. Based on 426 reviews and a 4.2/5 average, it highlights the 6 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀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

Negative things

  • 💰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
See all reviews

What's New in NinjaCard

1.102.3

July 9, 2026

We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit.

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User reviews

Most RecentHighest RatedLowest Rated

Ninja card

Great app for cash advance and loans check it out!
Sol AurelionSol Aurelion

DO NOT DOWNLOAD

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
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KaseyChildersKaseyChilders

NinjaCard

I love it so so much it helps me so much
Grizzly bear123456789123131Grizzly bear123456789123131

SCAM ALERT !!!!!!!!!!!!

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
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Jacob61738Jacob61738

HORRIBLE

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
ghost-spider233ghost-spider233
See 63 more reviews

Developer apps

NinjaCard Mobile
NinjaCard Mobile

by KMD Partners, LLC

💰 Finance

(18)

Free
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User experience

🐞

Reported Bugs

7 issues

Bank verification fails or loads indefinitely

Bug

App crashes on startup

Bug

Account access blocked after login

Bug

Incorrect bank options displayed

Bug

System update errors that never resolve

Bug

Funds promised but never received

Bug

Unexpected charges after account closure

Bug
✨

Requested Features

5 requests

State availability disclosure before application

Feature

Clear fee and interest rate breakdown upfront

Feature

Opt-in/opt-out for third-party data sharing

Feature

Better bank verification system

Feature

Improved customer support responsiveness

Feature

FAQ

What does the NinjaCard app do?

The NinjaCard app provides access to a revolving line of credit, allowing you to borrow money flexibly. You can manage your account, request cash, make payments, and track your credit building progress directly through the app.

How can I build credit history with NinjaCard?

By using the NinjaCard line of credit and making timely repayments, you can establish and build your credit history. Responsible borrowing and payment behavior are reported to credit bureaus, helping to improve your credit score over time.

Is there a cost to use the NinjaCard app?

The app itself is free to download and use. The primary cost associated with NinjaCard is the interest charged on the borrowed line of credit, as outlined in your specific loan agreement. There are no hidden fees.

What are the eligibility requirements for NinjaCard?

Eligibility for the NinjaCard FlexLine Line of Credit depends on factors such as your creditworthiness and the state you reside in. The service is currently available in specific states, and you can join a waitlist for future availability.

How quickly can I get funds from NinjaCard?

Once approved and you request funds, you can typically receive your money as soon as the next business day, or potentially sooner. The app facilitates easy access to cash on demand.