Customers don’t need any credit history or an SSN to finance with Kora.
Join today and start earning $$$ for customers you refer.
What is KoraDrive?
KoraDrive is a car loan program tailored for those with limited or no credit history. With no credit score or co-signer requirements, KoraDrive is a great option for students, first-time buyers, or anyone looking to build credit.
We look at more than just an applicant’s credit score to determine if they can pay back their loan.
This means we can work with customers without a significant amount of credit history,
a Social Security Number, or a co-signer.
We pay you.
Every time one of your customers finances with Kora, we pay you a commission.
When you sign-up with Kora, you get added to our list of preferred dealers.
So when a customer comes to us first, we send them to you.
How it works
01 Create an account
Tell us about yourself when you sign up in the dealer portal and we’ll get in touch.
02 Make a referral
Start an application for your customer through the dealer portal and we will handle the rest.
03 Sit back and relax
We will process the application and let the customer know if they are approved in 1 business day.
* The Kora Visa® Prepaid Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. No ATM Access. Your funds are FDIC insured up to $250,000 through Pathward, Member FDIC. Register your Card for FDIC insurance eligibility and other protections.
1 KoraCash and KoraDrive are not Pathward or Visa products or services.
2 This optional offer is not a Pathward, Visa product or service. Kora Rewards are powered by Cardlytics.
3 While this specific feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement in the Kora app under KoraCard settings for more details.
4 These testimonials are not reflective of any Pathward products or services.
5 For qualified applicants, a decision will be made instantly upon submission of an application. Timing for decisions are subject to delays due to verification errors or application submission errors; in the event of these errors, a decision could be made at a later date.
6 For users who choose to have funds disbursed to their KoraCard, due to account security some new users and larger amounts might take longer than average. Typically, 83% of users receive their funds within 10 minutes and 95% of users receive their funds within 30 minutes. Other disbursement method may take longer.
7 Valid .edu email and enrolled or graduated within 3 years from eligible U.S. college or universities where Kora products or services are available.
8 During the application process, Kora will order a soft credit inquiry to determine your eligibility for prequalification for a loan, which does not affect your credit score. If you accept your prequalified rate and proceed with your application, we do a hard credit inquiry that will impact your credit score.
10 The Annual Percentage Rate (APR) is the cost consumers pay each year to borrow money, including fees, expressed as a percentage
11 By submitting an application, you agree to and confirm your consent to (a) receive Communications electronically; and (b) the use of electronic signatures. If you choose not to consent or if you withdraw your consent, you may be unable to submit an application with us.
Michigan Regulatory Loan License (RL-0020249), effective February 12, 2016,
issued by Department of Insurance and Financial Services.
Contact info: Office of Consumer Finance, 530 W. Allegan Street, 7th Fl., Lansing, MI 48933-1521