Legal Disclosures

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Fair Lending Policy Statement
General policy statement

It is the policy of Echo Credit to make credit products and associated loan operations support services available to all qualified applicants without discriminating on the basis of race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

It is Echo Credit’s policy to treat all consumers consistently and fairly. The standard for all employees as well as our service providers is to provide service in a fair, equitable, and consistent manner. Echo Credit is committed to making credit products and services available to diverse communities and customers on an equal opportunity basis. This commitment is reflected in formal processes and systems designed to ensure compliance with fair lending requirements. Echo Credit dedicates information and training resources in an ongoing effort to maintain a high level of employee awareness for providing credit products and services in a fair, equitable, and consistent manner.

Application verification

You authorize Echo Credit ("us" or "we") to verify the information given in connection with this application, and you give us consent to obtain information about you from a consumer reporting agency or other sources to verify all of the information you have provided us, including past and/or current information. If there is any missing or erroneous information in or with your loan application regarding your Bank Account (including without limitation your bank, bank routing number, or account number), you authorize us to verify and correct such information.


Echo Credit will not engage in advertising practices or other outgoing communications that would discourage on a prohibited basis the making or pursuing of an application for credit.


Echo Credit will provide notices of action taken on loan applications in a manner consistent with the Equal Credit Opportunity Act and Federal Reserve Board Regulation B.

State Legal Disclosures

AL: Jora Credit of Alabama, LLC, dba Echo Credit

CA: Loans made pursuant to a California Department of Business Oversight Finance Lenders License. Married persons may apply for an account in their own name.

DE: Jora Credit of Delaware, LLC, dba Echo Credit, Licensed Lender

ID: Jora Credit of Idaho, LLC, dba Echo Credit, Regulated Lender

KS: Jora Credit of Kansas, LLC, dba Echo Credit, Supervised Lender

MO: Jora Credit of Missouri, LLC, dba Echo Credit, Consumer Credit Loan Company

ND: Jora Credit of North Dakota, LLC, dba Echo Credit, Money Broker

SC: Jora Credit of South Carolina, LLC, dba Echo Credit, Supervised Lender

TN: Jora Credit of Tennessee, LLC, dba Echo Credit, Flexible Credit Lender

UT: Jora Credit of Utah, LLC, dba Echo Credit, Consumer Lender

WI: Jora Credit of Wisconsin, LLC, dba Echo Credit, Licensed Lender

As a responsible lender, we commit to you that this loan product abides by all applicable laws and that we strive for the utmost level of transparency and fairness.

Not for all financial needs: This loan is designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution. You may choose to consult a consumer credit counseling service for other options.

Transparency of costs for your line of credit: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the federal truth in lending law and regulations. For details on the specific costs of your loan, please see our Pricing page and your Credit Agreement. We will never charge you any "hidden fees".

Implications of late and non-payment: If you don't make a payment on time we will attempt to contact you via one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. All of our collections methods will be in accordance with the federal Fair Debt Collection Practices Act (FDCPA). In addition, we may re-present any returned payments to your bank in accordance with applicable law and regulatory requirements. If we are unable to reach you or we are unable to collect against your debt we may place or sell your debt with third-party collection agencies. However, we only contract with collection agencies that agree to follow the FDCPA. Furthermore, since we may report loan payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating.

We respect your privacy: We adhere to all applicable privacy laws. Please see Privacy Disclosure for details.

Contacting us: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.