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

Personal Loans

Money when you need it

Stressed out by all the bills? Have unexpected expenses? Time to take a break or have some fun? We get that. A Jovia Personal Loan gets you the cash you need when you need it. Whether it’s for bill consolidation, wedding expenses, vacation, or something different, we can give you the money you need to get going and reduce your stress.

Fixed Rates

We offer low fixed rates that won’t put a strain on your wallet. After all, you’re likely looking for this loan because you need to take care of something. Why up the stress at an unreasonable rate? You can even set up automatic monthly payments so you don’t have to worry about missing a bill.

Flexible Options

We offer flexible loan terms for up to five years, and amounts that can be managed within your current financial situation, so you don’t have to worry about having another financial burden on your plate.

Featured Rates

12 Months

9.990%

APR‡‡

$87.91

Payment per Thousand

24 Months

9.990%

APR‡‡

$46.15

Payment per Thousand

36 Months

9.990%

APR‡‡

$32.26

Payment per Thousand

48 Months

9.990%

APR‡‡

$25.36

Payment per Thousand

Why turn to Jovia when things get personal?

  • We turn your application around in a hurry, so you get the money you need quickly
  • We help you set monthly payments so you can budget and never miss a bill
  • We offer flexible terms for up to five years

Disclosures:

‡‡ APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.