They pooled their data. Screenshots, voicemails, bank statements. A law student in the group discovered that Silver Lion Finance wasn’t a real lender—it was a shell company operating from a server in Cyprus, and Ninja Loans were illegal in their state if the lender didn’t perform a basic ability-to-repay test.
For two months, she paid the “interest only” payments—$500 a week. It gutted her DoorDash earnings, but she managed. Then, she missed one week because her bicycle got a flat tire. ninja loan thi pdf
She signed a PDF. She never read the fine print. They pooled their data