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Empty wallet. Thinking about pawn shop loan

Why You Want to Avoid Pawn Shop Loans

Avoid Pawn Shop Loans: how to get a personal loan like a pro and choose the best payday alternative for your needs.

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Posted on August 23, 2022August 23, 2022 by Inha
Young father showing little daughter piggy bank

Opening A Kids’ Savings Account & Choosing The Right One

Are you looking for a savings account for your kids? This is a great way to teach children how to save money.

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Posted on July 29, 2022August 25, 2022 by Inha
Young Asian woman is stressed and overthink by debt from many credit cards and bills.

How to Consolidate Debt

Learn how to get out of debt and consolidate your bills. Overcome the obstacles you face when you owe money to multiple lenders.

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Posted on July 29, 2022September 1, 2022 by Inha
Sporty young woman eating healthy

6 Ways to Save & Eat Healthy for Cheap

Learn ways to eat healthy for cheap. Discover how you can start saving money today. Start by reading this article.

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Posted on July 29, 2022July 29, 2022 by Inha
many used electronic gadgets devices on white background

How to Buy Used Electronics With No Credit Check

Want to buy used electronics but you have bad credit? Read this article to learn more.

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Posted on July 29, 2022July 29, 2022 by Inha
Car Loan Problems and Vehicle Repossession Using Towing Truck

What Effect Will Repossession Have On Your Credit Score?

Your credit score might take a hit when a vehicle or other item is repossessed. Find out how much repossession affect your Credit Score.

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Posted on July 29, 2022September 1, 2022 by Inha
Young woman riding e bike in urban enviroment

Should You Get a Bike to Save on Transportation?

Bikes are a great way to save on transportation costs. Get a bike to get some exercise, save money and reduce pollution.

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Posted on June 30, 2022June 30, 2022 by Inha
Life Insurance Application on tablet with coffee and glasses

How Life Insurance Payments Work

How Life Insurance Payments Work (And What to Watch Out For)Life insurance can help protect your family in case anything happens to you. But how do insurance payments work, and what should you watch out for?

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Posted on June 30, 2022June 30, 2022 by Inha
withdrawing money from 401(k) retirement plan

Why a 401(k) Emergency Loan is Risky

401(k) Emergency Loans are not meant to be used as emergency savings. Don’t use your 401(k) to cover your expenses.

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Posted on June 30, 2022June 30, 2022 by Inha
Senior couple checking how much they saved for retirement

Try These 401(k) Alternatives to Save for Retirement

The 401(k) is an excellent means of saving for retirement, but what are the alternatives? Read this to learn more.

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Posted on June 30, 2022 by Inha

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  • Why You Want to Avoid Pawn Shop Loans
    Avoid Pawn Shop Loans: how to get a personal loan like a pro and choose the best payday alternative for your needs.
  • Opening A Kids’ Savings Account & Choosing The Right One
    Are you looking for a savings account for your kids? This is a great way to teach children how to save money.
  • How to Consolidate Debt
    Learn how to get out of debt and consolidate your bills. Overcome the obstacles you face when you owe money to multiple lenders.
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Important Disclosures

Jora lends or arranges loans in select states. We do not lend or arrange loans in all states.

CA: Ascend Consumer Finance, Inc., and Jora, Inc. – Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License.

Jora Credit of New Mexico, LLC. is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY CONTACT:
Complaints Manager in WRITING at P.O. Box 8407 Philadelphia, PA 19101; EMAIL at Complaints@JoraCredit.com; or by CALLING 1-888-256-6083.

To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

This is an expensive form of credit. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the Finance Charges disclosed to you in your Agreement. Customers with continued credit difficulties should seek credit counseling.

1First-time customers typically qualify for credit in amounts between $500 and $2,600, with APRs between 170% and 349%. For example, in Missouri a $2,000 installment loan from Jora would require 48 bi-weekly payments of $190.50, which includes $7,144.72 of interest and an APR of 245%. After the 48th successful payment, the loan would be paid in full. Refer to the What It Costs page for additional details and products specific to your state of residence.

*For Installment Loans; If electronic funding is selected and your loan agreement is signed and submitted prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) the loan will be funded that day. Loan agreements that are signed and submitted after this time will be funded on the next business banking day. Loans selected to fund by paper check take up to 7 to 10 business days to receive. In some cases, we may not be able to verify your application information and may ask you to provide additional documents or information, which can cause funding delays.

For Lines of Credit; If you submit your Cash Advance request prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) your request will be funded that same day. You will have to check with your bank to see exactly when the funds will appear in your account, but it should be there by 5pm your local time. If you submit your Cash Advance request after 10:30 a.m., your request will be funded on the next business banking day. Alternatively, you can request that we send you a paper check by mail, which will take approximately 7 – 10 business days to receive.

Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan or Line of Credit may negatively impact your credit rating. If you fail to repay your Account in accordance with the terms of your Agreement, we may place your Account with or sell your Account to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

Also of Interest:
  • Payday Loans VS Installment Loans
  • Flexible Installment Loans
  • Loans, credit scores, and more
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