Kora Money College Student App
View in App StoreKora Money College Student App
4.4
Age Rating
4+
Seller
Kora Financial IncGrow your in-app revenue
while we take care of your subscription management.
Mobile
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User Reviews for Kora Money College Student App
Haven’t been able to log into the app for weeks!
I do not recommend this platform for anyone. I haven’t been able to log into the app for several weeks now. Every single time I try, I keep getting an all white screen. I know for a fact that it is not my login credentials that are the issue, because I’m able to log into the website. But of course the website does not allow you to make a payment or request a loan. The only thing that you can do on the website is manage personal information. I received a text message saying that my account is past due, and the text says to log into the app and make a payment. Smh. I’ve deleted the app about 5 or 6 times updated my password and still all I get is that all white screen and it does not go away. Clearly the app isn’t monitored. Or Boro knows that there’s is something wrong with the and basically doesn’t care. Wish I could cancel my account, and never return. I emailed support, and explained the problem. Literally all they said a was “ Sorry about the issue you are having.”
low interest and very helpful for college students
This app allowed me to get a small personal loan several times while I was a college student. the small loans helped me so much. it is very easy to pay your bill too. I specifically like how I can pay several months off right now and literally not have to pay again until that next month’s bill is due. with credit cards it doesn’t do that. for credit you just pay monthly but if you pay more than the minimum, it won’t go towards the next months payment unless you pay it after the statement ended and the new statement starts.. with BoroCash I can pay 3 months right now and not have to pay anything else for three months.
Great at first? Recharge not working
When I first got it I only took out $50 because I only needed it for two days to pay my phone bill. I didn’t really know how to navigate the app so I was just going to let it auto take it out on the due date. Fast forward to around that time I saw how to pay in advance so I did that. It took out money from the pay in advance and again on the day it was due. I provided them with information showing they took out the money twice and they nicely paid it back. However since I paid off the first time I haven’t been able to use the recharge feature. It was paid off February 19th and the feature is supposed to be reopened after 5 days from then. I’m at this point not after it for money but to help improve my credit as “good” credit has 10+ open or closed accounts and each loan with them is considered an account. Why isn’t this feature working?Update: as of March 9 the recharge now works
Really helped me out!
So I saw the ad for this on a Tik Tok, and I had to check it out. I’m a 21 year old college student who was struggling for gas money to get to my job, so I didn’t need much money. I downloaded the app and got approved for 1,400, however I knew I wouldn’t be able to pay off that much in the time allotted options (3 months, 6 months, 12 months). I also was scared about some of the reviews (splotchy customer service) so I didn’t want to end up owing a number way out of my reach if anything went wrong. I opted to only get a loan of $100 as that would give me enough gas money to get me to my next paycheck when I would be able to pay the loan off in full. I just paid the loan off in full a few days ago, and it was honestly a very easy process. Probably won’t use this app again as I don’t need a loan anymore, however will always keep it in my back pocket if I get into another situation. All in all I had a really good experience start to finish!
Great App for College Students
I was skeptical at first downloading this app because of the reviews and how many people weren’t getting approved or the app crashing. I downloaded anyways to see what the app was about. I was looking for a cash advance app to somewhat help build my credit. I put in my card information without any problems. I was approved up to $600 and I didn't even have credit. I love this app and it’s been helpful knowing when my next payments are. I try to make my payments early (2-3 days) so nothing would be considered late. That seems to work! Advice I would give is to connect a bank that is not to brand new (at least a year older) and has frequent activity (including deposits). The way, you are approved for more. Only negative thing about this app is it takes a while to update my spending report, which I really don’t mind because I am aware of how much I spend. All in all, I like this app & Hopefully I will be able to recharge once I am done repaying!
Decent takes 90 day for each payment to be reported to credit bearu
If your looking to quickly increase credit score, this is not for you. I took out my loan in may and from then til now ( November) not a singe payment has been reported. I also payed off my loan this month and was told it would take 90 day for that to be reported to credit bureau. The reason for my high rating is that the company has a fast response by email and was very very helpful with the car loan process. Getting the cars was simple once you found a dealer that would work with you. ( I recommend sending the vin number of potential cars to Boro support, they will tell you if it will work for them). The payments were easy to make, and you had a schedule that you could always refer back to.
Okay App
I’ve used Boro many times before to help make improvements to my credit score and the app itself is alright. I took out a loan last November and there was some confusion on Boro’s end where they didn’t take out the automatic payments for my loan. They ended up not taking any money from my bank account for about 6 months after I made two consecutive, monthly payments which I thought was very weird. I ended up getting many delinquency notices in my email from Boro and my credit score took a big dip. (I’m fairly responsible and always have funds in my account to make monthly payments) Boro didn’t notice that there was something happening on their end and I had to call them to figure out what was happening. Their customer service isn’t great and they had the audacity to charge me 60 dollars in late fees for something that wasn’t my fault.
HORRIBLE
ANOTHER UPDATE:They will literally NEVER answer the phone. When it goes to voicemail their inbox is full. They don’t respond to applications in 1 business day like their website says they do. And also don’t respond to email until days sometimes weeks later. STAY AWAY. UPDATE: there is no way to view account information like payments made & payments due. You need to email them to get these documents & they don’t respond within 24 hours. It will take days for them to get back to you. Literally the worst customer service I experience I have ever encountered. They will not help you if you lose your job due to COVID-19. I lost my job because of COVID-19. In California the unemployment department is having an enormous delay in sending out payments to the unemployed. It’s literally in the news (major news organizations) so I’m not just making this up. I emailed them & asked if they could help me during these hard times. I received no reply. Instead I was sent an automatically generated email stating that my delinquent payment has been sent to the credit bureaus. They did the complete opposite of helping me in the middle of the worst pandemic & unemployment rates the country has seen in about 100 years. STAY AWAY!!!!
Ehh but the best option for cash on the spot
I wanted to wait until I paid off my first loan in full before writing a review to ensure I was fair about my full experience. Overall, I think this is a cool idea. I took out the loan when I was going through a hard time after a bad car accident and was out of work for a few months. It helped me keep up on my bills and help with my moving costs. I didn’t face the approval problems a lot of people faced. Maybe it was my credit score or the algorithm or if student in my area are good at repaying idk it was simple for me. I have had some problems with the app (ie. Setting up a payment and the app is like frozen or delays and I have to force close and reopen the app and either reset up the payment or the payment went through and I just went on with my day). I also have an issue with their hours because a lot of students (their target demographic) is available when their customer service is «available » and when I do contact Im offered pre scripted response or the bot. The last conversation I had with customer service the guy was on the edge of being rude with me when I was simply asking him to elaborate on how they report to the credit bureaus. My credit score hasn’t been going up from this service but from my other accounts that are accruing interest and I want my punctual and SUPER EARLY payment to be reflected on my report. I will update if I have a new and better outcome the second time around
Honest Review
I can’t express my love for boro in enough words. To give you some background, i’m a financially independent first-gen, college student coming from a family who lived below the poverty line. This app has all has allowed me to borrow cash in pinch (in itself always a bonus) without hassle. They also have a reasonable pay back date, schedule and payment system. I lost one of my jobs during covid and it set me back financially because I am also paying for my tuition alongside going to school & boro saved me by covering textbooks, fixing my car, getting groceries, etc. All while helping build my credit and gain credit history for my future. The tips are also helpful and relevant to my situations. I also don’t feel embarrassed or a nuisance when i’m need of a small loan or good customer service. Genuinely a big thanks to boro, yall are the reason i’ve made it to my junior year!
Description
Money is a lot when you're in college, and college students deserve a finance app that was designed to make it easier for them. Kora helps you figure out where all of your money is going with automatic expense tracking, lets you set goals for yourself, gets you building a strong credit history and has you financially killing it by the time you graduate.* Track your spending, receive personalized financial tips and get access to up to $3000 of KoraCash* that you can use for whatever you need and pay back over time. Monitor your credit score and learn how to build credit history responsibly.
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