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NinjaCard® – Banking & Credit

NinjaCard® – Banking & Credit

Banking + Credit Access

562 ratings
72 reviews
💰 Finance
Free

Details

Released
February 22, 2024
Updated
October 13, 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 about NinjaCard®

Reviews of NinjaCard® are mostly negative: the Finance app is rated 4.3/5 from 562 App Store ratings. What users like most: quick and fast fund disbursement, user-friendly application process. Top complaints: unclear and predatory interest rates, misleading fee structures (ABD fees). Summarized from real user reviews.

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®

1.116.0

October 13, 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.

More

User reviews

Most RecentHighest RatedLowest Rated

Awesome App

You saved my butt several times! A great company!!
Thank you
KKennymsiegel

Wow Terrible

It wouldn’t help me at all and when I saw a ton of bad reviews, I’m glad I wasn’t helped.
MMelCas51

VERY SCUMMY APP

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
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Tthedumbasswhodownloadedthis

Scam

I was signing up and put all my information in just to get denied with no explanation so my information is just stolen
WTWife twist

Ninja card

Great app for cash advance and loans check it out!
SASol Aurelion
See 67 more reviews

Developer apps

NinjaCard Mobile
NinjaCard Mobile

by KMD Partners, LLC

💰 Finance

(18)

Free
CreditNinja
CreditNinja

Autopay, balance, and more.

💰 Finance

(24)

Free
See developer apps

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.