Disaster Relief

Helping our Members Through Challenging Times

Jovia is committed to supporting members impacted by disasters.

The restoration of personal property will take both time and money. We have created an emergency personal loan designed to help with unplanned expenses. If you have been directly affected by a natural disaster and have a financial need, we're here to help.

Disaster Relief Loan

Apply for an emergency personal loan with 0.00% APR* for the first 3 months and fixed at 6.99% following the introductory period.

  • No interest or payments for the first 3 months.
  • Borrow up to $10,000 for terms of up to 5 years.
  • We'll help you set up monthly payments that won't strain your wallet.

Apply through Online and Mobile Banking:

  1. Navigate to "Tools and Resources" within the menu and select "New Account or Loan"
  2. Select "Personal Loans and Safetylines" from the list of options
  3. Select "Disaster Relief"

Apply Now

Need to Skip A Payment?

If you have a Jovia loan, you may be eligible for our skip-a-pay program. Jovia’s Skip-a-Pay program allows you to skip a monthly payment on qualified Jovia personal or auto loans. That payment is then added to the end of your loan term without impacting your credit score. Please complete this form or if you have any questions, email us at [email protected].

Skip-a-Pay Form

Experiencing Financial Hardship?

During this challenging time, if you have a Jovia loan and are experiencing financial hardship directly related to a disaster in your area, our member care team is standing by to assist. Give us a call at 516-714-2989 and we will find the best solution for you.

Our thoughts and well wishes go out to you and your family.

*APR (Annual Percentage Rate) is 6.99% as of 9/29/2023. Minimum loan amount is $500 and maximum loan amount is $10,000. Maximum term is 60 months. 90 days deferred payments and 0.00% APR for the first 90 days only, and thereafter APR is 6.99%. Only available to existing Jovia members. Applicants must prove residence in NY. Loan purpose must be related to hurricane / disaster recovery and may include home repairs, replacement of personal belongings, and cash flow interruption due to loss of work time and pay. Proof of residence and other verifications required. Finance charges will continue to accrue from the date the loan is funded. Deferral of payments will increase finance charges over the life of the loan, and may increase the number of payments required to pay off the loan. Actual term based on amount financed. For example, at 6.99% APR for 60 months would be $19.80 per $1,000.00 borrowed. Conditions apply. Terms subject to change without notice. All loans subject to approval.