Skip to content

Get Started
  • How it works
  • What it costs
  • Blog
  • Get Started
Get Started
How it works What it costs Blog Get Started
Jora Speaks

What is VantageScore®?

When taking out any type of credit, a credit score is the number one thing to…

Read More
Posted on March 19, 2021April 28, 2021 by Rebecca John

What Are the Benefits of Using Direct Lenders for Installment Loans?

Do you need money? Are you considering borrowing an installment loan? Learn the benefits of using direct lenders.

Read More
Posted on March 11, 2021March 11, 2021 by Inha
Get Out of Debt concept open book on table and coffee Business

How to Get Out of Debt in Seven Steps

Getting out of debt can be challenging, but these seven solutions will help you prepare for debt repayment.

Read More
Posted on March 1, 2021March 1, 2021 by Inha
Men trying to improve credit score

How an Installment Loan Can Help Your Credit Score

Nothing can feel more devastating than living with a low credit score. But trust us— if…

Read More
Posted on February 12, 2021February 12, 2021 by Inha

Installment Loans: How can they help you?

Need cash for an emergency? Want to consolidate your debt? Need to fund a wedding or…

Read More
Posted on February 5, 2021April 29, 2021 by Rebecca John
Man reading a book during recession

Expert Advice on How to Survive a Recession

Arm yourself with tools to come out on top of an economic downturn. Start with this expert advice on how to survive a recession.

Read More
Posted on January 27, 2021January 27, 2021 by Inha
Little man s sitting on coins

Comparing Spending Levels: What Does a Typical Budget Look Like?

When it comes to comparing spending levels, what does a typical budget look like? If that’s the case, we’re here to help. Click here!

Read More
Posted on January 19, 2021January 19, 2021 by Inha

How to Protect Your Personal Information Online and Offline

Keep your confidential information from getting into the wrong hands with these tips to protect personal information.

Read More
Posted on January 13, 2021January 13, 2021 by Inha

How to Use a Checking Account Like a Financial Professional

Did you know there’s an optimal way to use a checking account? Check out our guide to discover the best ways to make money work for you.

Read More
Posted on January 4, 2021January 4, 2021 by Inha
How to Spot a Financial Scam

How to Spot a Financial Scam

Here’s how to spot a financial scam and get your warning signs before you fall victim.

Read More
Posted on December 7, 2020December 7, 2020 by Harlan

Posts navigation

Older posts
Newer posts
Featured Posts
  • Get Help to Pay Rent with the Emergency Rental Assistance Program
    Learn all about the Emergency Rental Assistance Program (ERAP) and how to obtain federal help when struck with an emergency that has you facing eviction.
  • Here’s an Easy (Free!) Way to Boost Your Credit Score
    Want to have better control over your credit, see where you stand, and potentially raise your score? It’s here right now and completely free!
  • How To Build Credit Without Credit Cards
    Can you build credit without having a credit card? Yes! Learn the most reliable credit building methods and solutions here our guide.
Categories
  • Credit
  • Featured
  • Installment Loans
  • Personal Finance
  • Resources
Tags
budgeting (3) Checking (1) Checking account (1) covid-19 (3) credit building (2) credit history (1) credit score (5) debt (3) debt avalanche (1) debt snowball (1) emergency fund (1) expenses (1) finance tips (1) installment loans (7) job skills (1) online loans (2) online safety (1) payday loans (1) personal finance (1) personal loans (1) prevent hacking (1) protect personal information (1) rental assistance (1) save money (4) savings account (1) secondary income (1) secured loans (1) spending (1) taxes (1) unsecured loans (1)
  • How it works
  • What it costs
  • Allay
  • FAQs
  • Resource Center
  • About us
  • Contact us
  • Quick definitions
  • Our commitment to fairness

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:
  • Loans, credit scores, and more
  • Articles by Harlan
  • Financial Management
Policy on Responsible Lending
  • Privacy Disclosure
  • Security
  • Terms Of Use
Jora Credit
© 2017 - 2020 Jora Credit Holdings, LLC. All Rights Reserved.