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Jora Personal Loans

in Personal Loans from Jora Inc.

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Jora Personal Loans

Claimed

in Personal Loans from Jora Inc.

SuperMoney Net Recommendation Score -50% 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

2 users recommend
0 users are unsure
6 users don't recommend
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Highlights
Highlights
Community Rating Mostly not recommended
Loan Amount $500 - $2,600
APR  (Fixed APR) 186% - 349%
Loan Term 1 - 30 months
Number of Reviews 8

Jora Personal Loans Review

Jora Personal Loans is a personal loan offering by Jora Inc., a direct lender based in Addison, TX. Founded in 2017, Jora Inc. offers access to personal loans in 10 states across the USA.

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 personal loan APRs does Jora Personal Loans offer?

Jora Personal Loans 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.

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 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.

Jora Personal Loans Rates & Terms
Loan Amount $500 - $2600
Loan Term 1 - 30 months
APR 186% - 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 a loan with Jora Personal Loans?

Applicants with a credit score of at least 450 can apply for a loan via Jora Personal Loans . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Jora Personal Loans only considers borrowers who are employed.

Active duty servicemembers and their covered dependents cannot apply for a loan via Jora Personal Loans. 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
Jora Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? No
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.
SUPERMONEY Disclosure: SuperMoney.com 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...

Contact

  • 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.

About Jora Personal Loans

Availability

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 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  
Minimum Age 18
Credit Score Range 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 1 - 30 months
APR (Fixed APR) 186% - 349%

Jora Personal Loans Community Reviews

 
 

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