NEFCU is now Jovia Financial Credit Union! Although we've changed our name, our commitment to you remains the same. Start banking on the bright side with Jovia today. Learn More

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.

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.

Featured Rates

36 Months

2.890%

APR*

$29.03

Payment per Thousand

48 Months

2.890%

APR*

$22.09

Payment per Thousand

60 Months

2.890%

APR*

$17.92

Payment per Thousand

72 Months

3.190%

APR*

$15.28

Payment per Thousand

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.

Disclosures:

* 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.

†† Jovia Financial will finance vehicles from 2011 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%.