The company was founded by Mark Friedgan who currently serves as the CEO. He was a part of the core team behind Enova International (), a leading publicly traded consumer financial services company. The company offers its users loans and installments. Unlike traditional banks, it tries to ensure that people with less-than-perfect credit can have quick access to loans. CreditNinja offers online loans of up to $5,000 without any need to post a home or car as collateral.