Jora Credit


in Personal Loans

SuperMoney Net Recommendation Score -43% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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5 users don't recommend
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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 personal loan APRs are offered via Jora Credit?

Jora Credit offers a fixed APR personal loan product that ranges from 186% APR up to 349% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

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.

  • Applicants must have an active and valid checking account
  • 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.

    JORA CREDIT Disclosure: First-time customers typically qualify for installment loans between $500 and $2,600, with an APR between 186% and 349%. A $2,000 loan from Jora would require 48 bi-weekly installments of $179.54, including $6,618.50 of interest and an APR of 230%. After the 48th successful payment, your loan would be paid in full. Refer to What It Costs page for additional details.
    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   5080 Spectrum Drive Suite 700W
      Addison, TX 75001 USA
    •   Visit Site

    Message from Jora Credit

    Jora helps underserved or underbanked Americans with an installment loan that’s tailored just for them. When you’re in need of a convenient cash loan, you can turn to Jora. Our loans are designed to help good people get the help they need to cover an expense. It’s easy to apply right from your phone, laptop or tablet — anywhere, anytime.


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 8 states
    • Delaware
    • Idaho
    • Missouri
    • New Mexico
    • North Dakota
    • South Carolina
    • Utah
    • Wisconsin

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    No Late Fees  
    Minimum Age 18
    Credit Score Range 450 - 720
    850 300 450 720
    Immigration Status Considered
    • U.S. Citizen
    Bank Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
    Military Status
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Loan Amount $500 - $2.6K
    Loan Term (Months) 1 - 30
    APR (Fixed APR) 186% - 349%



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