Echo Credit
Echo Credit
in Personal Lines of Credit from Jora Inc.

Echo Credit

in Personal Lines of Credit from Jora Inc.
SuperMoney Net Recommendation Score -40  


This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

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Community Rating Mostly not recommended
Loan Amount $500 - $2,600
APR  (Fixed APR) 200% - 349%
(Verified 12/09/2023)
Number of Reviews 5

Echo Credit Review

Echo Credit is offered through Jora Inc., a direct lender founded in 2017 and based in Addison, TX. Echo Credit are available in 11 states across the USA.

Echo Credit FAQ

What APRs does Echo Credit offer?

Echo Credit offers a fixed APR product that ranges from 200% APR up to 349% APR.

Does Echo Credit charge an origination fee?

No, they do not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Echo Credit charge a cash advance fee?

No, they do not charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.

Does the Echo Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Echo Credit charge a late fee?

No, they will not charge you a late fee.

How much can you borrow via Echo Credit?

Upon approval and based on your credit score and credit history, your personal line of credit will be assigned a credit limit of at least $500 and as much as $2,600. .

Echo Credit Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee No
Statement Balance Fee No

What do you need to qualify for Echo Credit?

Applicants with a credit score that ranges from 350 may be eligible for Echo Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Echo Credit does not have or does not disclose a minimum annual income eligibility requirement. Echo Credit only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Echo Credit product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Recent bank statements
  • Proof of identity

What is the estimated funding time for a personal line of credit?

Echo Credit will typically provide a credit approval decision in less than an hour and fund the line of credit within 10 business days .

Does Echo Credit report your account activity to credit bureaus?

Yes, Echo Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Jora Inc. a legit company?

Echo Credit was founded in 2017. It is an established company that has been in business for 6 years. Echo Credit are mostly not recommended by SuperMoney community users.

How to apply for Echo Credit

  • Visit the website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
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Message From Echo Credit

Echo Credit is operated by Jora Credit Holdings, LLC and is headquartered in Irving, TX. Echo Credit offers simple and convenient emergency lines of credit. All Jora Credit Holdings companies are state licensed lenders that operate under each state’s specific rules. Echo Credit is here to help you with a Line of Credit that works for you. We are not a lead generator and when you apply we will not transfer you to another company. Your Line of Credit will be underwritten, funded and serviced by us. Please see the Pricing section of the website for the states serviced and applicable terms.

Apply for your Line of Credit from your phone, laptop or tablet – anywhere, anytime. et approved in minutes and request as much or as little cash as you need up to your Credit Limit and get it as soon as today. Once approved, request cash anytime you need it – now and in the future. No new application necessary.


Other Services by Jora Inc.


  Available in 11 states
  • Alabama
  • Delaware
  • Idaho
  • Kansas
  • Montana
  • New Mexico
  • North Dakota
  • South Carolina
  • Tennessee
  • Utah
  • Wisconsin

Feature Breakdown

Annual Fee $0
No Late Fees
No Origination Fee
No Prepayment Fee
Checking Account Required
Credit Score Range 350 -
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Recent Bank Statements
Minimum Draw Starting at $100
Approval Speed 0 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 7 - 10 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Bank Transfer
APR (Fixed APR) 200% - 349%
(Verified 12/09/2023)
APR Type Fixed APR
Loan Amount $500 - $2,600

Echo Credit Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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