Auto

Dealer Rates

Effective as of Thursday, November 2nd, 2023. All fees and rates are subject to change without notice.

Dealers: Verify liens are paid off on the DMV site.
For paper lien release: Send email request with title to [email protected].
For payoff quotes: Please contact our Call Center at 516-561-0030 or email us at [email protected].

  • New and Used Rates
  • Money Factor
  • Motorcycles
  • Guidelines
Vehicle YearMaximum Term
2021 - 202596 months
2018 - 202084 months
2012 - 201772 months

Jovia Financial Credit Union will not finance commercial vehicles, or livery and rideshare vehicles. Jovia will not finance vehicles with salvage or grey titles (vehicles manufactured outside of the U.S. that are not built to meet U.S. safety standards). Jovia Financial Credit Union will not finance vehicles older than 2013.

New Auto Loan Rates as low as*

Loan TermAPR
2021 - 2025 New 1 Year Loan7.03% - 9.52%
2021 - 2025 New 2 Year Loan7.03% - 9.52%
2021 - 2025 New 3 Year Loan7.03% - 9.52%
2021 - 2025 New 4 Year Loan7.03% - 9.52%
2021 - 2025 New 5 Year Loan7.03% - 9.52%
2021 - 2025 New 6 Year Loan7.37% - 11.07%
2021 - 2025 New 7 Year Loan7.82% - 12.27%
2021 - 2025 New 8 Year Loan8.82% - 9.52%

*For rates and margins shown as ranges, the Annual Percentage Rate (APR) and margin, if applicable, you receive will be within the range disclosed and is determined by your credit history and past credit performance. Please ask us for the initial rate that you qualify for.

Used Auto Loan Rates as low as*

Loan TermAPR
Used 1 — 5 Year Loan — 2018 - 2020 model years7.17% - 11.12%
Used 6 Year Loan — 2018 - 2020 model years7.72% - 12.24%
Used 7 Year Loan — 2018 - 2020 model years8.02% - 9.27%
Used 1 — 5 Year Loan — 2014 - 2017 model years7.40% - 12.75%
Used 6 Year Loan — 2014 - 2017 model years7.95% - 9.40%

*For rates and margins shown as ranges, the Annual Percentage Rate (APR) and margin, if applicable, you receive will be within the range disclosed and is determined by your credit history and past credit performance. Please ask us for the initial rate that you qualify for.

Money Factor

Credit Score700+670 - 699635 - 669
24 - 60 months0.003100.003270.00362

*For rates and margins shown as ranges, the Annual Percentage Rate (APR) and margin, if applicable, you receive will be within the range disclosed and is determined by your credit history and past credit performance. Please ask us for the initial rate that you qualify for.

Maximum Advance Guidelines

*Advances are dependent of members' credit scores and not all members will qualify for high advances. Call for details

New Autos: May finance up to 125% MSRP (including tax, title, and warranty)*
Used Autos: May finance up to 125% of the JD Power (NADA) Retail Value (including tax, title, and warranty)*

Important Notice

All loan applications are subject to the following:

  • Verification of Employment
  • If a member is self-employed, they must supply 2 years of tax returns before disbursing
  • Verified Income
  • Verified Membership Eligibility
  • Completed signature card and $5 membership fee (new members only)
  • 2 forms of identification
  • Members Choice GAP insurance (required on all leases)

Rates and terms are subject to change without notice.