Last Updated: 08/10/2025
SuperMoney User Recommendation Score -50
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Echo Credit Review
Echo Credit FAQ
What APRs does Echo Credit offer?
Does the Echo Credit charge an origination fee?
Does the Echo Credit charge a cash advance fee?
Does Echo Credit charge a late fee?
No, Echo Credit will not charge you a late fee .How much can you borrow via Echo Credit?
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Echo Credit?
Applicants with a credit score of at least 540 and up to 649 may be eligible for Echo Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking account
- Proof of income
- Bank account information
- Proof of identity
What is the estimated funding time for a personal line of credit via Echo Credit?
Echo Credit will typically fund personal lines of credit within 10 business day s of approval.Does Echo Credit report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Jora Inc. perform a hard credit pull?
How to apply for Echo Credit
- Visit the Echo Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.
-50
Echo Credit Community Reviews
Would you recommend Echo Credit to your friends?
Angela L.
Jan 14, 2025
May or may not recommend
Heather D.
Jul 4, 2023
May or may not recommend
Cedric D.
Aug 20, 2021
May or may not recommend
Jacqueline S.
Jul 12, 2021
May or may not recommend
Olayemi D.
Oct 18, 2020
May or may not recommend
Robert R.
Mar 12, 2020
May or may not recommend
Showing 6 of 6 reviews