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Jora Speaks
Man with no credit sitting at the desk and looking over his bills

Can I Get a Loan Without Any Credit?

Can a borrower get a loan without any credit? The answer is yes. If a borrower is in need of money, he can still get a loan even without credit.

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Posted on June 29, 2022September 1, 2022 by Inha
Senior mature business woman holding paper bill using calculator

What Does a Late Rent Payment Do to Your Credit Score

Is a late rent payment really that bad for your credit score? Find out how late rent payments affect your credit score, and how you can avoid excessive fees.

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Posted on June 29, 2022June 29, 2022 by Inha
Dad playing video games with kids

Should Loot Boxes Be Banned? Here’s the Latest News

The whole gaming community is having an argument over it. Should loot boxes be banned? Is it gambling? Should your kids be exposed to it?

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Posted on June 29, 2022June 29, 2022 by Inha
School Supplies, books

10 Ways to Save on School Supplies

What are the best ways to save on school supplies? We’ve got your back covered with 10 ways to save on school supplies.

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Posted on June 6, 2022September 1, 2022 by Inha
Credit cards and laptop

The Insider’s Guide to Boost Your Credit Score

Learn how to improve your credit score for free. Discover the secrets of the credit score industry.

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Posted on May 31, 2022May 31, 2022 by Inha
Woman reading a book by a lake

Have Fun and Save With These 10 Cheap Summer Activities

Looking to spend a little less this summer on family fun? Check out these great cheap summer activities.

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Posted on May 31, 2022May 31, 2022 by Inha
Person holding credit cards in their hand

0% APR Offers Can Help You or Hurt You – Here’s What You Need to Know

I’m sure you’ve seen 0% APR offers before. But did you know that they can hurt as well as help you? Learn how to spot the potential pitfalls and avoid them.

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Posted on May 31, 2022May 31, 2022 by Inha
Mug that says "Hustle"

10 Ways to Earn Extra Cash in 2022

There are many ways to earn extra cash in 2022. Here are 10 of the most popular side hustles.

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Posted on May 30, 2022May 30, 2022 by Inha
woman checking her credit score and holding her credit card

How to Build Your Credit Score in 2022

Read our guide to the how to build your credit score in 2022. Follow our expert tips and learn to improve your credit score for free.

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Posted on May 30, 2022September 1, 2022 by Inha
Family moving in to new house

How Do FHA Loans Work? And How to Buy a Home for Only 3.5% Down

How to get an FHA loan with only a 3.5% down payment. Everything you need to know when buying a home. Your biggest investment deserves a boost.

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Posted on May 30, 2022May 30, 2022 by jorawpadmin

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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.

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