21 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Installment loans up to $4,000
  • Fast payouts as soon as the same day
  • Direct lender with no hidden fees
  • Apply online in minutes
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Chosen 3,636 times
  • Low APRs From 2.99% variable
  • 0.25% AutoPay interest rate reduction
  • No Application Fee
  • No Early Repayment Penalty Fees
Chosen 14,941 times
  • Loans from $5,000 - $100,000
  • 8.99 - 23.43% APR (with all discounts)
  • NO fees and same-day funding
  • Repayments from 2-7 years
Chosen 28,507 times
  • Loans from $1,000 - $35,000
  • Repayment terms from 6 - 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

Jora Credit Review


  • Personal loans up to $4,000

  • Fast payouts as soon as the same day

  • Direct lender with no hidden fees

  • Applying online takes only a few minutes

What is Jora Credit?

Jora Credit is an online lender that offers personal installment loans. This allows a borrower to have set payments over a period of time, which is different from a payday loan, which usually requires a payment after you are paid.

Jora has different options for installment loans, with first-time Jora users being able to borrow $500 to $2,600, and existing customers up to $4,000.

Loans are paid back on a bi-monthly or monthly schedule.

Jora Credit provides loans for people with bad credit as they also look at a variety of other factors when assessing your application.

Jora Credit is available in 10 states: AL, CA, DE, ID, MO, NM, ND, SC, UT, WI.

Jora also offers a service called Allay, financial advice designed to improve your financial situation. Allay provides a supplemental income tool, salary calculator, career path tool, and job listings.

Chosen 11,222 times
  • Installment loans up to $4,000
  • Fast payouts as soon as the same day
  • Direct lender with no hidden fees
  • Apply online in minutes

How Jora Credit Works

Jora Credit provides two types of loans: installment loans and lines of credit.

Installment loans are available from $500 to $4,000. However, first-time borrowers can qualify for loans up to $2,600 depending on their state.

Short-term loans are ideal for borrowers who need a once-off amount to pay back over time, whereas a line of credit is a revolving loan.

Loan Requirements

To apply for a loan from Jora Credit you need to:

  • Reside in a state they currently serve
  • Be at least 18 years old (19 if residing in AL)
  • Have a job or other proven source of income
  • Have a valid email address
  • Have an active and valid checking account

Jora is also willing to work with low-income individuals and those with low credit scores.

Rates & Fees

Jora’s terms vary on state and loan amount. The APR of loans offered is fixed and ranges from 186% to 349%.

Jora does not charge prepayment fees, origination fees, or late fees.

Payment Terms

Payment periods vary, with Jora providing options from 1 to 30 months. Payments can be made on a monthly or bi-weekly basis.

How to Apply

Jora Credit’s application process is fairly straightforward.

  1. Head over to Jora Credit’s website here.
  2. Click on Apply Now.
  3. Fill out all requested information.
  4. Get approved and receive loan offers in minutes.

Jora keeps all personal information secure and confidential. Once approved, simply select the loan that meets your terms.

The money should be deposited into your checking account within the next business day.

Our Jora Credit Review


  • First-time borrowers are limited to $2,600.

  • Jora Credit is not available in all U.S. states.

  • Loans may come with higher costs compared to other lenders.

Jora Credit is a reliable lender that offers loans to people without a perfect credit score. Although they are only available in some states, their terms and fees are transparent and there is a lot of information available on their website.

The application process is easy and straightforward, and loans can be paid out on the same day. Borrowers can also choose between fixed-term loans and lines of credit, depending on their personal needs.

One downside is that Jora Credit loans may come with higher interest rates due to the fact that borrowers often come with a higher risk.

Read more reviews below or add your own Jora Credit review.

Customer Service

Customer support is available Mondays to Saturdays, via email or phone. The Jora Credit phone number is 1-888-223-8067. They also have an extensive list of FAQs and transparent information regarding fees and terms.

Jora Credit FAQs

How much can I borrow?

First-time borrowers are limited to $2,600 while existing customers can borrow up to $4,000.

How much does a loan cost?

This depends on the state you live in, your credit history, and the amount you borrow. As an example, a $2,000 loan in Missouri has an APR of 245%, and will have 48 bi-weekly payments of $190.50. 

How soon do I get the money?

Most loans are paid out the same day, alternatively the next business day. LInes of credit can also be funded the same day, if the Cash Advance request is submitted before 10:30 am Central Time.

What happens if I pay late?

Late payments may leed to additional finance charges but Jora Credit does not charge late or NSF fees.

Is Jora Credit a direct lender?

Yes. Jora Credit operates under specific companies and licenses in all states it operates.

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Reviews of

Jora Credit is rated 58 out of 301 companies in total rating and got an average review score of 4.3 based on 21 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
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fdsfsd32 1 review | September 1, 2022
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dasdsadsa 1 review | September 1, 2022
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ddgbgfbdddd 1 review | September 1, 2022
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scotty alan 1 review | April 30, 2021
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the best experience is with its facilities
not one that i could think off right now
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Luxure essap 1 review | April 29, 2021
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great for ginning the business
very much pricey
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mike mills 1 review | April 29, 2021
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overall best company do suggest it
the price is not on the cheap side
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jack sparr 1 review | April 27, 2021
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overall i recommend this to all
the price can be lower
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Gramme gyju 1 review | April 22, 2021
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Love that. was really helpful. I will share
Nothing wrong
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g13nn_h 1 review | April 20, 2021
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Quick and easy. Will definitely recommend
None to date
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Naima Mohamed 1 review | December 28, 2019
General Review
Lived up to expectations. No complaints.
Nothing I can think of.
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