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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Jora Credit's loan


How to apply

Jora makes it simple to apply for a loan as they have not set a minimum required credit score. When additional factors, such as a legitimate source of income, are taken into account, Jora could approve you for an online loan in minutes, even if your credit score is low. After your loan is approved and disbursed either into your checking account or mailed as a check, you must make certain that you pay it on time. If you cannot make your regular payment, please contact customer service to see if they can help. You will suffer additional financing charges if you do not make the planned payment and notify Jora Credit. Jora Credit, on the other hand, does not levy late fees. Furthermore, if you fail to make a payment, Jora may report it to credit bureaus, thus reducing your credit score.

Steps to apply for a loan

When applying for a loan with Jora Credit, follow these steps:

  1. Fill in your personal information, including your full name as it appears on your checking account, age, residency state, zip code, driver’s license or state-issued ID number, valid email address, and phone number.

  2. Fill in your social security number and bank account number. Enter your bank routing number if you want the money as a cheque. Provide a checking account number if you want your approved loan paid into your account.

  3. Enter and double-check your desired password.

  4. After reading the Jora Credit privacy disclosure, click Continue.

  5. You will be prompted to provide further information, including your phone number, social security number (SSN), banking information, or a blank check

  6. Enter your driver’s license or state-issued ID number.

  7. Submit your loan request.

  8. Wait for approval


To qualify for a loan, you must be over 18 in all 11 states, except Alabama, where you must be over 19. You must also meet other requirements, such as having a job or a verifiable source of income, as well as a valid email address and an active checking account. Furthermore, even though Jora Credit does not have a minimum credit score, they will still review it and the income to debt ratio. You can get your funds the same day if a loan officer checks and approves your loan. To apply for a loan with Jora Credit, you must have the following:

  • A social security number

  • A valid driver’s license or ID

  • A verifiable proof of income

  • An active checking account.

Application details

Jora Credit will assess your application after you have submitted it. The process is swift, and finding out if you’re accepted could take less than a minute. You will receive an email notification if Jora approves, rejects, or conditionally approves. Suppose Jora cannot verify your bank account information, social security number, or ID. In that case, you will be required to provide further information for identification verification, such as a quick and secure bank eligibility check. Jora Credt may also reject your loan application if you fail to pass the eligibility verification.


How long does it take to get approved by Jora Credit?

Jora Credit does your loan application evaluation, verification, and approval quickly, within one business day. They will notify you through email once they have approved it.

How trustworthy is Jora Credit?

Jora is reputable, having been in business for 15 years and providing personal loans in 10 states, as well as lines of credit in Kansas and Tennessee. However, consider the high APRs of 99% to 349% when applying for a loan.

Does Jora Credit verify income?

Yes. Jora Credit verifies your income for personal loan applicants to confirm that you can repay the loan.

Does Jora Credit hurt your credit score?

Yes. Before accepting your loan, Jora Credit will make a hard inquiry. A credit report inquiry lowers your credit score by 5 to 10 points. However, if you pay your payments on time, you will be back on track in a few months.

Financial products

Jora Credit
Personal loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 349%

Loan term for the financial product

up to 30 months

Calculate loan payments in Jora Credit

Jora Credit calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

500 $
4000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Jora Credit

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Jora Credit and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Jora Credit’s reviews by September 2022
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