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Use our online loan calculator to find clear terms and no hidden fees.

Jora allows you to repay your loan over time making our loans better than some other credit options. We encourage you to pay back your loan early by never charging a prepayment penalty; plus, early payments reduce the overall amount of interest charged. Discover the monthly payment for your online loan that works best for you below!

Calculate the Cost of your Jora loan†

State of residence
Loan Amount
FUNDING AMOUNT
$500
Payment Frequency
Amount Per Payment
Payment Amount
( payments)
Total Cost to You
(*Acquisition charge + **Account Handling Charge)
(APR: )
Total Payback Amount
Total of Payments
(Loan Amount + Interest + Fees)
(Funding Amount + *Acquisition charge+ **Account Handling Charge)

Unfortunately, due to recent California legislation changes Jora will no longer be able to provide new loans to California residents.

Sorry, but Jora Credit isn’t available in your state at this time. We are working to expand the states that we service. Please check back soon.

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 WRITE OR CALL: in WRITING at P.O. Box 8407 Philadelphia, PA 19101; EMAIL at complaints@joracredit.com; or by CALLING 1-888-256-6083. New Mexico Only: This lender 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 any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/.

†Complete disclosures of APR, fees and payment terms are provided with the Loan Agreement. APR and payment amounts may vary slightly based on initial term. These examples are based on an initial term of 15 days for Bi-weekly or 30 days for Monthly, and all payment amounts being the same; the final payment amount is determined by your payment history. If you miss a payment, or if your payment is late or returned, you may incur additional interest. You may pay off your loan early at any time with no prepayment penalty.
Late Charge: If any part of a payment is unpaid for greater than 10 days after it is due, you will be charged a late charge of $10 or 5% of the payment amount, whichever is greater.
*Your Account Handling Charge will be calculated based on an add-on rate of 4% of the Amount Financed per month.
**Your Acquisition Charge will be 12.5% of the Funding Amount for loans between $600 and $900. for loan amounts between $1000 and $1700, your Acquisition charge will be $125.
†Complete disclosures of APR, fees and payment terms are provided with the Loan Agreement. APR and payment amounts may vary slightly based on initial term. These examples assume your first payment will be due 31 days after funding, subsequent payment amounts will be the same as your first payment amount, and your final payment amount is determined by your payment history. If you miss a payment, or if your payment is late or returned, you may incur additional interest. You may pay off your loan early at any time with no prepayment penalty.
Please view the Terms and Conditions and Privacy Policy for more information.
Here are a few questions you should consider when shopping for an installment loan or line of credit:
  • What will the overall cost be?
  • What are my other options, and how does this compare to them?
  • How necessary is it for me to take out a loan?
  • Can I afford to repay the loan, including interest and fees (if any)? Please note Jora does not charge fees.
  • If I miss a payment, will I be able to afford any penalties or extra interest (if any)? Please note Jora does not charge any pre-payment penalties.
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