Get up to $2,500 in credit access, checking, savings, and member perks all backed by real human support. No minimum credit score. Start your credit journey today.
Your car breaks down. You need $1,800. The app you've been using offers $500.
That's the gap NinjaCard® was built for.
NinjaCard’s FlexLine Line of Credit can give you revolving credit up to $2,500 — draw what you need, pay it back, draw again. No minimum credit score. No reapplying. No disappearing after one use.
FlexLine is currently available 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. Not in your state yet? Join the waitlist at ninjacard.com.
FLEXLINE — CREDIT ACCESS UP TO $2,500
• Revolving line of credit — borrow, repay, borrow again
• No minimum credit score required
• We evaluate your income and banking history — so we can say yes when traditional lenders say no
FLEXBANKING — CHECKING AND SAVINGS
• FDIC-insured checking and savings accounts
• Visa debit card accepted everywhere Visa is
• Get paid up to 2 days early with direct deposit
• No overdraft fees, no NSF fees, no minimum balance penalties
• Banking services provided by Republic Bank of Chicago, Member FDIC
FLEXADVANCE MEMBERSHIP— CREDIT TOOLS PLUS A CASH ADVANCE
• $2.99/month subscription fee provides access to:
• Experian credit monitoring, score tracking, and score planning
• A $100 cash advance available when you need it
• Subject to subscription terms
• Learn more at ninjacard.com
YOUR PATH FORWARD
• The NinjaCard platform is designed to help you progress towards prime
• The longer you stay and the better your financial habits, the more you can unlock
• Responsible use may reduce your fees and increase your limits over time
MEMBER PERKS — MORE VALUE, EVERY DAY
• Earn money playing games
• Save on meal delivery and streaming
• Get deals on clothing, electronics, and travel
• No searching. No clipping. Access in the NinjaCard app.
If you’ve ever felt like the traditional banking system wasn’t built for you — it wasn’t. NinjaCard was.
From the team behind CreditNinja — 275,000+ Americans served since 2018.
Download the NinjaCard app today to see what you qualify for.
NinjaCard, LLC isn’t a bank, it’s the financial platform focused on real progress for real Americans that traditional banks overlooked. Banking services provided by Republic Bank of Chicago, Member FDIC. FlexLine provided by First Electronic Bank or another lender named in your agreement. FlexLine availability varies by state. NinjaCard may report information about your FlexLine account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
This app is a game-changer for managing credit. The registration process is smooth, and accessing credit is quick and easy. The user interface is clean and intuitive, making navigation a breeze.The app runs flawlessly with no glitches, providing real-time updates on credit usage and balance. Customer support is top-notch—responsive and helpful. Security measures, including biometric login and data encryption give me confidence.I appreciate the additional features like automatic payments. This app is a reliable and user-friendly tool for flexible credit options. Highly recommended!
Love it!
ingridald
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!
DO NOT DOWNLOAD
KaseyChilders
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
WARNING USE AT YOUR OWN RISK
TEG617
Always check the reviews first. A bunch of “good” reviews all left on the same day? Those are just obviously fake. Plus, the app asks you to provide all of your personal information just so it can tell you that it’s not available in your state. This company provides no disclosure on the subject at all. Nowhere on the website, in the app or even in this App Store do they state that their service is not available in all states nor do they list what states their service is not available in. Keep an eye on your credit/identity if you’ve downloaded this and provided your information. This company is BEYOND shady and appears to be gathering info with nefarious intent.
Developer Response
Thank you for your interest in our line of credit product. We’re constantly working on improving and expanding our product availability. We’ve updated our app store description to include the available lending states. If you would like to be notified when Flexline is available in your state, visit ninjacard.com to join the waitlist. Should you need further assistance, please call us at 855-NINJA-42 (855-646-5242) or e-mail support@ninjacard.com.
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.
Version 1.106.0
The developer, KMD Partners, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
KMD Partners, LLC
Size
83 MB
Category
Finance
Compatibility
Requires iOS 13.0 or later.
iPhone Requires iOS 13.0 or later.
iPad Requires iPadOS 13.0 or later.
iPod touch Requires iOS 13.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
