Access Account
Got unexpected expenses? We’ve got you covered.
With NinjaCard® FlexLine™, access a flexible line of credit up to $2,500*
Apply NowNinjaCard FlexLine: Your flexible
line of credit solution
NinjaCard FlexLine | Credit Card | Personal Loan | |
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Funds go directly to your bank account | |||
Flexible monthly payments | |||
Available for those with imperfect credit | |||
No annual fees or monthly interest | |||
Revolving/open-ended |
How does it work?
Borrow
Log into the app to borrow from your line of credit. Funds go directly to your bank account.
Repeat
Borrow continuously up to your credit limit!
Repay
Make payments online or in the mobile app to replenish your available credit.
Borrow what you need, when you need it.
The NinjaCard FlexLine - Borrow repeatedly up to your credit limit. Make payments in the app. Replenish your available credit. Borrow again! It’s that easy.
Frequently Asked Questions
What is NinjaCard FlexLine?
NinjaCard FlexLine is a revolving line of credit that you can borrow from as needed. Borrow repeatedly up to your credit limit, make payments in the app, replenish your credit limit, and borrow again! It’s that easy.
How do I borrow from my NinjaCard FlexLine and when will I receive my funds?
Log in to the mobile app or your account online and click the borrow button on your account dashboard. The available credit amount shows how much you can borrow at this time for accounts in good standing.
If you’re approved* and you request a draw before 3:30 pm CST Monday to Friday, funds will typically be deposited into your bank the following business day. All funding cut-off times are subject to change. The date and time funds are made available to you by your bank is subject to your bank’s policies. If you require any assistance or for more information, contact Customer Service at support@ninjacard.com or 855-646-5242 Monday-Friday, 7:30AM-5:00PM CST.
How do I make a payment?
Log in to the mobile app or your account online and click the pay button on your account dashboard. From there you can choose the payment amount and see your next payment due date.
Is NinjaCard FlexLine a credit card?
No, NinjaCard FlexLine is not a credit card. It is a line of credit, which means you have access to a set amount of funds that you can borrow from when needed and repay over time. Unlike a credit card, it doesn’t involve making purchases directly with a card, but provides you with funds that can be used for various purposes.
How much does it cost?
With a NinjaCard FlexLine line of credit, you can be confident you will always receive clear and transparent disclosures. Your Average Daily Balance Fee, which is based on how much principal is outstanding throughout your billing cycle. All fees, will be clearly disclosed to you in your NinjaCard FlexLine Open-End Line of Credit Agreement and periodic statement. If a scheduled payment is late more than 10 days, then a late fee equal to the lesser of 5% of the late payment or $15 be charged.
The NinjaCard FlexLine is currently available in these states
Don’t see your state? Sign up now to get notified when your state becomes available.