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No matter how financially prepared you are, unplanned expenses can still come up and cause you to exhaust your cash reserves. Many people do not have the necessary cash on hand to cover these extra costs or to pay for things like a rent increase or a surprise medical bill. Even if you have an emergency fund or live well below your means, you might still need some extra help at times.

With online personal loans from a direct online lender like Jora, you can receive quick cash right when needed. Not only do these installment loans online come with fast funding times, but you might also qualify even with bad credit or limited credit history.

If you’re wondering how to find a legitimate lender, or if you’re not sure what your state's loan options are, here’s everything you need to know.

Why a State Licensed Lender is Best

Getting a personal loan can be complicated, but the process tends to be much easier when you go through an online or local lender. Traditionally, you would have to go in person to complete a formal loan application and provide any required documents. Not only is this time-consuming, but it can also be tricky, especially if you do not live near a bank or credit union.

But with an online lender, you can do the entire process from the comfort of your home. This includes everything from the initial application to receiving the money you need. Many online lenders also approve loan applications and offer funds more quickly than you can expect with traditional or non-local options.

It’s also easier to compare different lenders and their online loan offers. This is because most direct online lenders will let you check their rates and terms on their websites. Some lenders will ask you to fill out some basic personal information first, but there should be no impact on your credit score while shopping.

With an online or local lender, you also typically have more financing options available. Whether you need installment loans for bad credit or an emergency loan, you can find them near you.

Depending on the lender, you could also have a more personalized experience when applying for a loan. For example, smaller direct lenders — like Jora — take the time to ensure you get the help you need when you need it.

States we serve
Alabama South Carolina
Delaware Tennessee
Idaho Texas
Kansas Utah
Missouri Wisconsin

Applying for a Personal Loan With Jora

Whether you need a loan for an emergency or non-emergency situation, Jora could help. With a Jora personal loan, you could qualify for up to $4,000 with no hidden fees and the potential for same-day funding.*

Even if you’re simply weighing your options, it’s important to know what to look for in a lender — and how to identify potential red flags. Take the time to choose the right lender and personal loan for you.

If you need a bad credit loan near you and are ready to apply, fill out Jora’s online application and see if you qualify in minutes.