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Sometimes you need additional cash to pay for an urgent need. However, because of the size of the loan, you might find it stressful to fully repay the loan in a short window of time. Avoiding such stress is just one of the advantages of getting the cash you need through an installment loan from Jora. An installment loan allows you to make payments on your loan over a longer period of time than with a traditional payday advance loan [...]


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When a financial need arises and you’re short on cash or time, you just want to get what you need fast and hassle-free. Unfortunately, if you attempt to get a loan from a company that is not a direct lender, you could end up with headaches, delays and frustration before getting cash in hand–and that’s if you’re approved at all. Does that mean you should use a payday direct lender? Or is an installment loan from a direct lender the better way to go? [...]


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Is applying for an installment loan difficult? It’s not too hard to imagine that you’ll have to go through hoops. Or that it involves lots of paperwork as well as the expectation that you may need to wait a long time for your loan to be approved. If you believe that, it’s a good bet that you probably don’t know about online installment loan providers like Jora [...]


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Many Americans have poor credit or credit history. All it takes is just one error to hurt your credit score. If a larger, unforeseen event disrupts your cash flow, your credit rating could be impacted more significantly. It’s important to know the basics of a credit score, how to check your score, and what to do in the event of a cash emergency if you have bad credit [...]


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When seeking a loan, it’s important to find a loan that works best for your particular borrowing and repayment needs. When you are choosing between a payday loan and an installment loan, it’s important to know how each works so you can decide which route is best for you [...]


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An installment loan is a loan in which the act of repaying the funds borrowed plus any interest associated with the loan is broken into equal installment payments over time. Each installment consists of both principal (a portion of the amount borrowed) and interest. These amounts adjust as the loan is paid down where a larger portion of each successive payment is applied to the remaining principal balance [...]


A mother and child counting change to pay for bills

Reports indicate that more than 49% of Americans are “concerned, anxious or fearful about their current financial well-being.”1 When money is tight and you’re struggling to meet your financial obligations every month, it’s smart to take a look at your monthly expenses and find ways to cut costs [...]


A man holding the money he saved by managing his loans

When you’re struggling with debt or bad credit, it can be daunting. It’s easy to feel like your financial goals are out of reach. But remember that everyone starts somewhere, and the best decision you can make is to take action now. Here are some important things to remember as you work on managing your loans and paying off your debts [...]


Poor credit score report with pen next to a keyboard

Let’s face it: Nobody wants to have a bad credit score. But unfortunately, sometimes life throws you a curveball, missed payments can get out of control quickly, and you may find yourself struggling to dig out of a hole. If you’re dealing with a low credit score, there are a few things you can do to help boost your numbers [...]


A man putting his installment loan money into his wallet

When you find yourself in a pinch financially—especially if you have a low credit score—it can be tough to know what your best option is. Payday loans are a common short-term loan option, but they’re very short: Typically, you’re required to pay the money back within around two weeks, when your next paycheck comes in. Essentially, a payday loan is simply a cash advance against your next paycheck, to be used for bills or purchases that you need to make before you have the money in your account [...]


A man checking the time on his watch

When you’re in need of a quick loan, there are plenty of routes you can take to get cash fast. Of course, some are better than others, and each has its pros and cons. It’s important that you evaluate all your options before you choose the one that’s right for you. Here are the advantages and setbacks of some common alternatives to payday loans [...]


A jar of change from all the money saved

With a shrinking middle class and the ever-increasing costs of day-to-day living, it should come as no surprise that most Americans are struggling financially. Here’s a snapshot of the average individual and household in America [...]


One dollar bills stacked on top of each other

Did you know that approximately 12 million Americans use short-term loans (like and payday loans) each year? There’s no shortage of options when it comes to payday lending, and people use online installment loans for a wide range of applications. Here’s a quick rundown of payday borrowers and what they’re using their quick loans for [...]


Animated graphic of person studying credit score gauge, holding calculator and magnifying glass

When you’re applying for a traditional loan, looking to rent an apartment, or trying to get utility service, it’s likely that your lender, landlord, or provider will run a credit check. In other words, credit checks are an unavoidable part of life [...]


Stressed woman looking at bills and thinking about how bad credit has impacted her life and financial health

There are those who think bad credit isn’t a huge deal; they don’t feel the need to worry about putting in the necessary work to build their credit back, until they want to make a big purchase that requires a strong credit score, like a car or a house [...]