Jora Personal Loans

in Personal Loans from Jora Inc.

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Jora Personal Loans


in Personal Loans from Jora Inc.

SuperMoney Net Recommendation Score -46% 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.

Mostly not recommended

3 users recommend
1 user is unsure
9 users don't recommend
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Community Rating Mostly not recommended
Loan Amount $500 - $2,600
APR  (Fixed APR) 166% - 349%
Loan Term 8 - 30 months
Number of Reviews 13

Jora Personal Loans Review

Jora Personal Loans is offered by Jora Inc., a direct lender founded in 2017 and based in Addison, TX. Jora Personal Loans is available in 10 states across the USA.

Key takeaways

  • Fast access to cash. In some cases you can get your money within 1 business day.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 450 are considered for Jora Personal Loans.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Jora Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • No origination fee. Jora Personal Loans does not charge a loan origination fee.
  • No late fees. Missing a payment can seriously damage your credit, but Jora Personal Loans will not charge additional fees if you miss the due date on a payment.
  • Short loan terms. Jora Personal Loans offers loan terms as short as 8 months. Most personal loans have a minimum term of 12 to 36 months.

Jora Personal Loans Pros and Cons:

Pros Cons
  • $0 prepayment fee.
  • $0 origination fee.
  • Jora Personal Loans does not report to credit bureaus.
  • Considers applicants with poor credit.
  • Fast funding.
  • APRs as high as 349%.
  • Do not offer pre-approval with soft credit pull.
  • No co-sign option.

What rates and terms does Jora Personal Loans offer?

Jora Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Jora Personal Loans offer?

Jora Personal Loans offers a fixed APR personal loan product that ranges from 166% 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.

How much can you borrow via Jora Personal Loans?

Loan amounts start at $500 and go up to $2,600.

What can a personal loan from Jora Personal Loans be used for?

Personal loans from Jora Personal Loans 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 Personal Loans?

Jora Personal Loans offers personal loans with terms ranging from 8 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.

Jora Personal Loans Rates & Terms
Loan Amount $500 - $2600
Loan Term 8 - 30 months
APR 166% - 349%

What fees does Jora Personal Loans charge?

Does Jora Personal Loans charge an origination fee?

Jora Personal Loans 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 Personal Loans charge a late fee?

No, Jora Personal Loans will not charge you a late fee..

Does Jora Personal Loans charge prepayment fees?

No, Jora Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Jora Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Jora Personal Loans?

Applicants with a credit score of at least 450 and up to 720 are eligible for Jora Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Jora Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Jora Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Jora Personal Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Jora Personal Loans.

Jora Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Credit Score 450 - 720

What is the estimated funding time for a personal loan via Jora Personal Loans?

Jora Personal Loans will typically provide a credit approval decision in less than an hour and fund the loan within 2 business days.

JORA PERSONAL LOANS 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.
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  • Headquarters
  •   5080 Spectrum Drive Suite 700W
    Addison, TX 75001
  •   Visit Site

Message from Jora Inc.

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.

Other Services by Jora Inc.


  Available in 10 states
  • Delaware
  • Idaho
  • Kansas
  • Missouri
  • New Mexico
  • North Dakota
  • South Carolina
  • Tennessee
  • Utah
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
No Late Fees  
Checking Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered U.S. Citizen
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 450 - 720
Loan Amount $500 - $2,600
APR (Fixed APR) 166% - 349%
Loan Term 8 - 30 months

Jora Personal Loans Community Reviews


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