Learn and Grow

Cars... Buy 'em or Lease 'em

Ah, the always hard to answer question: Buy a car or lease a car? While relaxing in her own (or leased?) car, Jo from Jovia presents a question-and-answer session about which option is best based on your needs when it comes to cars.

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 finding your ride. 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.

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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

APR

Monthly Payment2

12 Months 2.390% $84.50
24 Months 2.390% $42.76
36 Months 2.390% $28.84
48 Months 2.390% $21.89
60 Months 2.390% $17.72
84 Months 2.900% $13.19
96 Months 3.990% $12.21

1 Jovia Financial will finance vehicles from 2012 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 Monthly payments per $1,000 borrowed.