Reviews of NinjaCard® – Banking & Credit

By: KMD Partners, LLC App

List of user reviews and ratings for NinjaCard® – Banking & Credit

Total ratings

4.20 (Rating count: 456)

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Review summary

Across reviews, NinjaCard shows a split experience. Some users report quick funding, simple setup, and useful cash-advance features. However, a large pattern of concerns centers on privacy risks, aggressive or unclear fees and interest, frequent bank-verification problems, inconsistent access to funds, and poor customer service. Overall, many reviews label the app as unreliable or risky, while a minority report positive outcomes.

Pros

Fast access to funds / cash advances (some users report next-day funding)
Simple, easy signup/process for some users
Gives a credit line or cash advance that can help in emergencies
Positive experiences where users would recommend it
Perceived good or helpful customer service by at least some users

Cons

Allegations of predatory terms: high, unclear interest rates and fees, including compounding and monthly ABD fees
Privacy and data-sharing concerns: the app collects data and shares with third-party lenders, leading to spam emails/calls
Bank verification and bank login problems: repeated failures to connect to banks and inability to access funds
Security risks: reports of attempts to hack bank accounts and lockouts
Poor customer service and support: slow responses, unhelpful or unresponsive when issues arise

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User Reviews

Recent rating average: 2.40

All time rating average: 4.20

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65% (34)

Date	Author	Comment
2026-05-29	th*****	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
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
2026-05-10	Wi*****	I was signing up and put all my information in just to get denied with no explanation so my information is just stolen
I was signing up and put all my information in just to get denied with no explanation so my information is just stolen
2026-04-14	So*****	Great app for cash advance and loans check it out!
Great app for cash advance and loans check it out!
2026-04-07	Ka*****	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
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
2026-02-11	Gr*****	I love it so so much it helps me so much
I love it so so much it helps me so much
2026-01-09	Ja*****	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
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
2025-12-31	gh*****	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
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
2025-12-22	S *****	Can’t connect to the bank at all I have try over 25 no support at all
Can’t connect to the bank at all I have try over 25 no support at all
2025-12-12	Al*****	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
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
2025-12-08	cl*****	For me NinjaCard has worked out fine I would recommend it.
For me NinjaCard has worked out fine I would recommend it.