How It Works

By Applying Online

Click the Apply Now button below
Complete application and get a decision within minutes
Sign your loan agreement and get your money

By Check**

Sign and complete the back of your check
Deposit the check in your bank account
Setup your online account access at myjoraloan.com

Why Jora Credit?

We are a state-licensed, direct lender providing online loans that give you access to the funds you need. And our customers love us. See our Trustpilot reviews below.

It’s easy to apply right from your phone, laptop or tablet – anywhere, anytime. And it only takes a couple minutes. Accept your loan by 10:30 am Central time (Monday - Friday excluding holidays) and you can get your funds on the same day.*

Or Deposit a Check

To access your funds, simply complete the back of the check with all required information and deposit it in your bank account. Then, after two business days, go to myjoraloan.com to setup your online access.

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What our customers are saying

$5,000,000

Lent

25,000+

Satisfied Customers

15,000+

Repeat Borrowers

States we serve

Alabama	South Carolina
Delaware	Tennessee
Idaho	Texas
Kansas	Utah
Missouri	Wisconsin
Mississippi

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Frequently asked questions

Still have a question you need an answer to? Here are the answers to some of our most frequently asked questions.

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What financing options are available?

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How do installment loans work?

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How do lines of credit work?

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How often do I have to make payments?

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What is the APR on a Jora loan?

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What is my borrowing limit?

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How quickly will I receive my money?

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What is the total cost of a Jora loan?

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What is the best way to contact Jora?

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real people helping real people

Learn more about online loans

Alternative Loan Options

Financial Wellness

Online Loans Direct Lenders

Credit Advice

Bad Credit Loans

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Learn More About Online Loans

When it comes to finding the right financing for you, it helps to know all of your options. Here are the main types of online loans to consider.

**IF YOU RECEIVED A CHECK, it is a real check that you may deposit. It is a solicitation for a loan. Read the enclosed Loan Agreement that came with your check before signing the check. You were selected for this limited-time offer based on your credit history. To deposit the check, simply follow the written instructions with the check. For questions about your check, call us at 1-888-256-60831-888-256-6083

Our commitment to fairness

Important Disclosures

Jora Credit is not available in all states. Alabama Consumer Credit License #CC-000022437, Jora Credit of Alabama, LLC. Jora Credit of Idaho, LLC is Idaho Regulated Lender #RRL-9793. Jora Credit of Kansas, LLC Supervised Loan License No. SL.0026682.

^*First-time customers typically qualify for credit in amounts between $500 and $4,000, with Annual Percentage Rates ("APRs") between 75% and 349%. For example, in Missouri a $2,000 installment loan from Jora would require 48 bi-weekly payments of $179.54, which includes $6,618.50 of interest and an APR of 230%. 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. Loans/cash advances accepted prior to 10:30 a.m. Central time (Monday - Friday, excluding bank holidays) can be funded that same day.

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Simple online personal loans. Fast!

We make loans online and by check.

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