{"id":4282,"date":"2018-07-24T21:06:36","date_gmt":"2018-07-24T21:06:36","guid":{"rendered":"https:\/\/financer.com\/?post_type=company_single&#038;p=4282"},"modified":"2024-05-22T08:56:20","modified_gmt":"2024-05-22T15:56:20","slug":"jora-credit","status":"publish","type":"company_single","link":"https:\/\/financer.com\/company\/jora-credit\/","title":{"rendered":"Jora Credit"},"content":{"rendered":"<h3>Summary<\/h3>\n<p><\/p>\n<ul>\n<li>Personal loans up to $4,000<\/li>\n<li>Fast payouts as soon as the same day<\/li>\n<li>Direct lender with no hidden fees<\/li>\n<li>Applying online takes only a few minutes<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/company\/jora-credit\/redirect\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_blank\"  rel=\"sponsored nofollow\">Apply Now<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"What_is_Jora_Credit\">What is Jora Credit?<\/h2>\n\n\n\n<p id=\"Jora_Credit_Services\">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 <a href=\"https:\/\/financer.com\/loans\/payday-loans\/\">payday loan<\/a>, which usually requires a payment after you are paid.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Loans are paid back on a bi-monthly or monthly schedule. <\/p>\n\n\n\n<p>Jora Credit provides loans for <strong>people with bad credit<\/strong> as they also look at a variety of other factors when assessing your application. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Jora Credit is available in 10 states: AL, CA, DE, ID, MO, NM, ND, SC, UT, WI.<\/div>\n\n\n<p>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.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/jora-credit\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"110\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/07\/jora-logo-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/07\/jora-logo-1.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/07\/jora-logo-1-300x92.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>14,486<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Installment loans up to $4,000<\/li><li >Fast payouts as soon as the same day<\/li><li >Direct lender with no hidden fees<\/li><li >Apply online in minutes<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">2600<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">170.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">349.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">14 Days<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">6 Months<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/jora-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4282\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/jora-credit\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/jora-credit\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/jora-credit\/#read-reviews\">21<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"How_Jora_Credit_Works\">How Jora Credit Works<\/h2>\n\n\n\n<p>Jora Credit provides two types of loans: installment loans and lines of credit.<\/p>\n\n\n\n<p>Installment loans are available <strong>from $500 to $4,000<\/strong>. However, first-time borrowers can qualify for loans up to $2,600 depending on their state.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Loan_Requirements\">Loan Requirements<\/h3>\n\n\n\n<p>To apply for a loan from Jora Credit you need to:<\/p>\n\n\n\n<ul>\n<li>Reside in a state they currently serve<\/li>\n\n\n\n<li>Be at least 18 years old (19 if residing in AL)<\/li>\n\n\n\n<li>Have a job or other proven source of income<\/li>\n\n\n\n<li>Have a valid email address<\/li>\n\n\n\n<li>Have an active and valid checking account<\/li>\n<\/ul>\n\n\n\n<p>Jora is also willing to work with low-income individuals and those with <a href=\"https:\/\/financer.com\/loans\/bad-credit-loans\/\">low credit scores<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Rates__Fees\">Rates &amp; Fees<\/h3>\n\n\n\n<p>Jora\u2019s terms vary on state and loan amount. The APR of loans offered is fixed and ranges <strong>from 186% to 349%<\/strong>.<\/p>\n\n\n\n<p>Jora does not charge prepayment fees, origination fees, or late fees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Payment_Terms\">Payment Terms<\/h3>\n\n\n\n<p>Payment periods vary, with Jora providing options <strong>from 1 to 30 months<\/strong>. Payments can be made on a monthly or bi-weekly basis.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"How_to_Apply\">How to Apply<\/h3>\n\n\n\n<p>Jora Credit\u2019s application process is fairly straightforward.<\/p>\n\n\n\n<ol>\n<li>Head over to Jora Credit\u2019s website <a href=\"https:\/\/financer.com\/company\/jora-credit\/redirect\/\" data-type=\"URL\" data-id=\"https:\/\/financer.com\/company\/jora-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">here<\/a>.<\/li>\n\n\n\n<li>Click on Apply Now.<\/li>\n\n\n\n<li>Fill out all requested information.<\/li>\n\n\n\n<li>Get approved and receive loan offers in minutes.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p>Jora keeps all personal information secure and confidential. Once approved, simply select the loan that meets your terms. <\/p>\n\n\n\n<p>The money should be deposited into your checking account within the next business day.<\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Compare loans from 45 lenders<\/h3><p>Find the cheapest rate with one click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"500\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-slider-url=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-required=\"results?query=1non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compare Offers<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Our_Jora_Credit_Review\">Our Jora Credit Review<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Pros\">Pros<\/h3><li>\n<p>Easy online application that takes only minutes.<\/p>\n<\/li><li>\n<p>No application fees, origination fees, late fees, or prepayment fees.<\/p>\n<\/li><li>\n<p>Funds can be paid out as soon as the same day.<\/p>\n<\/li><li>\n<p>Installment loans and lines of credit available.<\/p>\n<\/li><li>\n<p>Borrowers without good credit can apply.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Cons\">Cons<\/h3><li>\n<p>First-time borrowers are limited to $2,600.<\/p>\n<\/li><li>\n<p>Jora Credit is not available in all U.S. states.<\/p>\n<\/li><li>\n<p>Loans may come with higher costs compared to other lenders.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p> <\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Read more reviews below or add your own Jora Credit review.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Customer_Service\">Customer Service<\/h3>\n\n\n\n<p>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.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Jora_Credit_FAQs\">Jora Credit FAQs<\/h3><h4>How much can I borrow?<\/h4><div class=\"faq_inner\">First-time borrowers are limited to $2,600 while existing customers can borrow up to $4,000.<\/div><h4>How much does a loan cost?<\/h4><div class=\"faq_inner\">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.\u00a0<\/div><h4>How soon do I get the money?<\/h4><div class=\"faq_inner\">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.<\/div><h4>What happens if I pay late?<\/h4><div class=\"faq_inner\">Late payments may leed to additional finance charges but Jora Credit does not charge late or NSF fees.<\/div><h4>Is Jora Credit a direct lender?<\/h4><div class=\"faq_inner\">Yes. Jora Credit operates under specific companies and licenses in all states it operates.<\/div><\/div>","protected":false},"author":11463,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1076],"company_type":[5],"overall_rating":"4.30952381","_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/company_single\/4282"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/11463"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=4282"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/company_single\/4282\/revisions"}],"predecessor-version":[{"id":78229,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/company_single\/4282\/revisions\/78229"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=4282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=4282"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/company_type?post=4282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}