Got unexpected expenses? We’ve got you covered.

With NinjaCard® FlexLine™, access a flexible line of credit up to $2,500*

Simple application
Simple
application
Fast funding
Fast
funding
Transparent fees
Transparent
fees
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NinjaCard FlexLine: Your flexible
line of credit solution

NinjaCard FlexLineCredit CardPersonal Loan
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?

Secure app

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.

Secure app

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. With a NinjaCard FlexLine line of credit, your cost of borrowing is based primarily on your Average Daily Balance (ADB) Fee. The ADB Fee is based on the amount of principal outstanding each day during your billing cycle.

This means:

  • Fees may increase if you carry a balance longer
  • Fees may decrease if you pay down your balance sooner

Your actual ADB Fees and terms of credit will be disclosed to you before you open your account and will be outlined in your NinjaCard FlexLine Open-End Line of Credit Agreement. To help you understand how the ADB Fee works, we provide an illustrative Truth in Lending disclosure table here: https://www.ninjacard.com/flexline/cost-of-credit

Please note: the Truth in Lending disclosure table provided at the link is for educational purposes only and does not reflect the actual terms of any specific account. Your actual fee structure, pricing, and disclosures may vary based on your specific NinjaCard FlexLine product, credit agreement, and applicable terms.

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 will be charged.

Get your NinjaCard FlexLine today!

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The NinjaCard FlexLine is currently available in these states

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About NinjaCard® FlexLine™

With the NinjaCard FlexLine, you can borrow only what you need, make payments with a billing cycle tailored to your regular income interval, and reborrow as many times as you want up to your credit limit. To authorize a FlexLine draw, simply login to your NinjaCard online account (www.ninjacard.com) or use the NinjaCard mobile application. The FlexLine lender will disburse the draw to your NinjaCard checking account or to any other deposit account you choose to link to your FlexLine.

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© 2026 NinjaCard LLC. All Rights Reserved.

NinjaCard, LLC is a financial technology company, not a bank. Although NinjaCard, LLC acts as program manager for NinjaCard® FlexBanking™, the deposit account products and deposit account banking services, including the NinjaCard Visa® Debit Card are provided by Republic Bank of Chicago, Member FDIC (“Republic Bank’). Similarly, although NinjaCard, LLC acts as program manager for NinjaCard® FlexLine™, the lender on the line-of-credit (“LOC”) is First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah or another lender named in the LOC agreement.

*Lender Disclosures. In these FlexLine™ lender disclosures, the terms “FlexLine™” and “NinjaCard® FlexLine™” mean the line-of-credit (“LOC”) issued by First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah (“FEB”) or another lender named in the LOC agreement. The lender that issues your FlexLine™ may vary based on your state of residence and credit limit. To identify the lender of your FlexLine™, refer to the first paragraph of the Terms and Conditions of the LOC agreement. The LOC agreement—not any other document, statement, or action—shall govern the identity of your FlexLine™ lender. The FlexLine™ lender makes the loan decision, communicates the decision to the applicant, and disburses LOC draws to approved applicants. NinjaCard, LLC, the program manager for FlexLine™, services and collects your FlexLine™ on behalf of the lender. Accepted payment methods for FlexLine™ include debit card, one-time ACH or recurring ACH—which you may authorize through your secure online account located at www.ninjacard.com—and personal check, money order, or cashier’s check—which you mail to the remittance address listed in the LOC agreement. The FlexLine is a line of credit and not a deposit or savings account. As such, it is not FDIC insured. However, any deposit or savings account offered in connection with the FlexLine may be FDIC insured, subject to the terms and conditions of that account. Cash and in-person payments are not accepted. FlexLine™ may not be available to residents of some states. See disclaimers appearing on the FlexLine application for details.

**Draw Disclosures. You need not hold a NinjaCard Visa® Debit Card to be eligible for a FlexLine™. Similarly, you need not open a FlexLine™ to be eligible for a NinjaCard Visa® Debit Card. If you obtain both a NinjaCard Visa® Debit Card and a FlexLine™, then the FlexLine™ lender will disburse LOC draws to either your NinjaCard checking account held by Republic Bank of Chicago, Member FDIC (“RBC”) or any U.S.-domiciled deposit account you choose to link to your FlexLine™. If you open a FlexLine™ but do not obtain a NinjaCard Visa® Debit Card, then the FlexLine™ lender may disburse LOC draws to your linked external bank deposit account. If you do not link a bank account, then we will disburse LOC draws by mailing a check to your address of record. Your use of the NinjaCard Visa® Debit Card or any other FlexLine™ linked account will never automatically initiate a LOC draw, even if the proposed transaction would exceed the balance of the deposit account to which the card is attached. Instead, you must affirmatively authorize a LOC draw by either logging in to the NinjaCard® online banking platform (www.ninjacard.com) or using the NinjaCard® mobile application. LOC draws disbursed to your linked bank account will generally become available 1-2 business days after you request the draw. The funds availability policies of the financial institution holding your bank account could delay draw availability beyond this 1-2 business day period. As the LOC lender has no control over the funds availability policies of your linked bank, you should review your bank’s deposit-account disclosures for details.

†Deposit Disclosures. In these FlexBanking™ deposit disclosures, the terms “FlexBanking™” and “NinjaCard® FlexBanking™” mean, collectively, the NinjaCard Visa® Debit Card and the checking and savings accounts held by Republic Bank of Chicago, Member FDIC. Republic Bank issues the NinjaCard Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. The card may be used everywhere Visa® Debit Cards are accepted. Republic Bank holds two deposit accounts, a checking account associated with your NinjaCard Visa Debit Card and a savings account. You cannot have a checking account without the companion savings account. Funds deposited in the checking and savings accounts are insured aggregately up to $250,000. Banking services may not be available to residents of some states. See disclaimers appearing on the account application for details.

††Rewards Disclosures. This paragraph applies only to lines-of-credit in which CreditNinja, a non-bank licensed lender, is the lender on the LOC. Under the NinjaCard® rewards program, eligible customers may receive reduced FlexLine™ finance charges. Rewards eligibility requirements include avoiding any fee delinquency or negative balance in your FlexBanking™ checking and savings accounts, avoiding any payment delinquency in your optional FlexLine™, and authorizing the direct deposit of at least $500 of recurring monthly income (e.g., not loan proceeds) to your FlexBanking™ checking account. See the NinjaCard® website (www.ninjacard.com) for details concerning your eligibility and benefits. Please note: NinjaCard® rewards are available only for LOCs in which CreditNinja is the lender. NinjaCard® rewards are not available for FlexLineTM LOCs provided by First Electronic Bank. Additionally, no FlexLine™ LOC is provided by Republic Bank of Chicago.

‡Early-Access Disclosures. Early access to direct deposit funds to your FlexBanking checking account depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

‡‡APY DISCLOSURES. The Annual Percentage Yield (“APY”) for the NinjaCard® savings account is variable and may change at any time. The disclosed 0.35% APY is effective as of April 16, 2026. No minimum balance is required. See the Deposit Rate Disclosure for the current APY.

Mobile Application. You can manage your NinjaCard® features—including your NinjaCard Visa® Debit Card, your FlexBanking™ checking and savings accounts, and your FlexLine™ line-of-credit—with either the online banking platform, located at www.ninjacard.com, or the NinjaCard® mobile application, available on the Apple App Store and Google Play. We may use push notifications to send you account updates, product alerts, and promotional messages. You can manage your notification preferences in your device or app settings. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

Notice of Furnishing Negative Information. NinjaCard, LLC may report information about your NinjaCard® FlexLine™ account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.