Auto Loans

Looking for a better set of wheels?

When it’s time to jump in the car and hit the open road, turn to Jovia for some help with your route. Whether you know exactly what you’re looking for, or you’re just starting to explore your options, we can help you research, find and finance your next car at the best price and best rate with ease and convenience.

Benefits of borrowing from Jovia

Low Rates

We offer great low rates to help keep your payments low. With gas prices being as unpredictable as they are, you can always rely on lower monthly payments from Jovia!

Flexible Terms

We offer flexible terms, from as short as 12 months to as long as 96 months on new vehicles, or 84 months on used, so you can make your payments work for you.††

Extensive Dealer Network

If you’re looking for a better set of wheels, we can also help you find the perfect one. Whether you know exactly which car you’re looking for or just starting to explore your options, our partnership with Groovecar helps you find, research, and purchase your next car at the best price without the usual frustrations that come with dealership shopping.

2019-2021 Rates & Terms

Looking for a used vehicle? No problem! Our rates and terms for cars sold between 2011-2018 can be found here.1

Term

APR2

Monthly Payment3

12 Months 2.590% $84.60
24 Months 2.590% $42.85
36 Months 2.590% $28.94
48 Months 2.590% $21.98
60 Months 2.590% $17.81
72 Months 2.790% $15.12
84 Months 3.290% $13.37
96 Months 3.990% $12.21
Payment Calculator

Find out what your monthly payment will be before you apply!4

Your estimated monthly payment:
$1,270.41
Total Principal Paid
$15,000
Total Interest Paid
$244.87

Looking to refinance your current loan? You can get a better rate here.

Check out our current rates (they’re great!) and see how much you can save on your current auto loan. Find a lower rate, and reduce your monthly payment.

Apply Now

†† Jovia Financial will finance vehicles from 2012 and newer. Minimum vehicle loan amount for a 6-year term is $15,000; the minimum for a 7-year term is $25,000, and the minimum for an 8-year term is $30,000. Not all borrowers will qualify for the 96-month financing. In order to qualify, the borrower must maintain a credit score of 670 or higher. Only new vehicles will qualify for an 8-year term with a maximum loan-to-value equal to 100%.

1 Jovia Financial will finance vehicles from 2011 and newer. The minimum vehicle loan amount for a 6-year term is $15,000; the minimum for a 7-year term is $25,000, and the minimum for an 8-year term is $30,000. Not all borrowers will qualify for the 96-month financing. In order to qualify, the borrower must maintain a credit score of 670 or higher. Only new vehicles will qualify for an 8-year term with a maximum loan-to-value equal to 100%.

2 APR = Annual Percentage Rate. All loan types, rates, and terms are based on an applicant's credit history and are subject to change without notice. Not all applicants may be approved.

3 Monthly payment per $1,000 borrowed.

4 This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. This example is for informational purposes only and is not a commitment by Jovia Financial to lend. To apply for an Auto Loan, you will need to complete an application and provide additional details.

Jovia does not finance vehicles used for delivery, commercial, livery, taxicab or rideshare purposes. Jovia will not finance vehicles with salvaged or gray market titles. Vehicles financed by Jovia are for personal use only.