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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.

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Posted on March 1, 2021September 1, 2022 by Inha

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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:

Protect Online Personal Information
Creating a Rainy Day Savings Routine You’ll Stick To
How to Apply for a Loan Online

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