NinjaCard

4.2
148 reviews
Content rating
Everyone
10K+
Downloads
Content rating
Everyone
Learn more
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About this app

NinjaCard® offers you borrowing flexibility with a revolving Line of Credit. Build credit history and achieve your financial goals.

The NinjaCard® Line of Credit Mobile App lets you manage your account from the palm of your hand! With NinjaCard® Line of Credit Mobile, you can borrow your way, make easy payments, and repeat as necessary.

With the NinjaCard® Line of Credit Mobile App you can:
- Access cash on demand
- Get money the next business day or sooner
- Make easy repayments in the app
- Build your credit history
- Borrow without hidden fees

The NinjaCard® FlexLine Line of Credit is currently offered in AL, AZ, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, NE, OH, OK, SC, TN, TX, UT, WI, and WY. If you would like to be notified when FlexLine is available in your state, visit https://ninjacard.com to join the waitlist.

NinjaCard, LLC is a financial technology company, not a bank. Deposit banking services provided by Republic Bank of Chicago, Member FDIC. Line of credit services provided by the Lending Bank listed in your Line of Credit agreement.
Updated on
Apr 15, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.2
147 reviews
Patricia Licardo
February 25, 2026
Got approved for $500 instantly and was super easy. Received it after 3 days or I could say 2 of your typical business days. However, what I really found awesome was they sent me my credit score and a way to look at my full credit report for free. Now that was super cool of them.
2 people found this review helpful
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Maribel Ortiz
March 2, 2026
I would not recommend this app to anyone there fees are outrageous the same day you make a payment they charge a fee example I paid $69 and the same day was changed $58 so I paid it off complete and they still charged me a final $58 (DON'T USE THIS APP UNLESS YOU WANT A BILL FOR THE REST OF YOUR LIFE)
2 people found this review helpful
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shawty
February 20, 2026
had my primary payment set as my debit card but was charged using my account which takes days to process, rather that instantly with my card. And random charges being added to the plan bi-weekly
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What’s new

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.