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Where does Jora Credit do business?
Jora Credit is a direct lender based in Addison, TX. Founded in 2017, Jora Credit offers access to personal loans in 8 states across the USA.
What are the APRs offered via Jora Credit?
Jora Credit offers a fixed APR personal loan product that ranges from 186% up to 349% APR.
Does Jora Credit charge an origination fee?
No, Jora Credit does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does Jora Credit charge a late fee?
No, Jora Credit will not charge you a late fee.
Does Jora Credit charge prepayment fees?
No, Jora Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
How much can you borrow via Jora Credit?
Loan amounts start at $500 and go up to $2,600.
What can a personal loan from Jora Credit be used for?
Personal loans from Jora Credit are typically used for special purchases, medical expenses & procedures, unexpected expenses or similar purposes.
What is the maximum loan term you can get with Jora Credit?
Jora Credit offers personal loans with terms ranging from 1 to 30 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What do you need to qualify for a loan with Jora Credit?
Applicants with a credit score of at least 450 can apply for a loan via Jora Credit . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
Jora Credit only considers borrowers who are employed.
Active duty servicemembers and their covered dependents cannot apply for a loan via Jora Credit. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.Only U.S. citizens can apply for a loan.
What is the estimated funding time for a personal loan via Jora Credit?
Jora Credit will typically provide a credit approval decision in less than an hour and fund the loan within 2 days.
5080 Spectrum Drive Suite 700W
Addison, TX 75001 USA
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Message from Jora Credit
- New Mexico
- North Dakota
- South Carolina
- U.S. Citizen
- Employed Full-Time
- Employed Part-Time
- 1099 Misc. Income
- Direct Deposit (W2, SSA, SSDI)
- Payroll Check or Prepaid Card