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Investments glossary

NINJA Loan


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Know\'st thou the land where the lemon-trees bloom, Where the gold orange glows in the deep thicket\'s gloom, Where a wind ever soft from the blue heaven blows, And the groves are of laurel and myrtle and rose

— Johann von Goethe

A NINJA loan is a slang term for a loan extended to a borrower with little or no attempt by the lender to verify the applicant’s ability to repay. It stands for no income, no job, and no assets. Whereas most lenders require loan applicants to provide evidence of a stable stream of income or sufficient collateral, a NINJA loan ignores that verification process.


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