Auto
Dealer Rates
Effective as of Wednesday, August 21st, 2024. 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
- Guidelines
| Vehicle Year | Maximum Term |
|---|---|
| 2021 - 2025 | 96 months |
| 2018 - 2020 | 84 months |
| 2012 - 2017 | 72 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 2012.
New Auto Loan Rates as low as*
| Loan Term | APR |
|---|---|
| 2021 - 2025 New 1 Year Loan | 7.03% - 9.52% |
| 2021 - 2025 New 2 Year Loan | 7.03% - 9.52% |
| 2021 - 2025 New 3 Year Loan | 7.03% - 9.52% |
| 2021 - 2025 New 4 Year Loan | 7.03% - 9.52% |
| 2021 - 2025 New 5 Year Loan | 7.03% - 9.52% |
| 2021 - 2025 New 6 Year Loan | 7.39% - 11.07% |
| 2021 - 2025 New 7 Year Loan | 7.82% - 12.27% |
| 2021 - 2025 New 8 Year Loan | 8.82% - 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 Term | APR |
|---|---|
| Used 1 — 5 Year Loan — 2018 - 2020 model years | 7.17% - 11.12% |
| Used 6 Year Loan — 2018 - 2020 model years | 7.72% - 12.24% |
| Used 7 Year Loan — 2018 - 2020 model years | 8.02% - 9.27% |
| Used 1 — 5 Year Loan — 2014 - 2017 model years | 7.40% - 12.75% |
| Used 6 Year Loan — 2014 - 2017 model years | 7.95% - 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 Score | 700+ | 670 - 699 | 635 - 669 | 620-639 |
| 24 - 60 months | 0.00275 | 0.00292 | 0.00342 | 0.00377 |
*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: Some applicants may qualify to finance up to 125% MSRP (including tax, title, and warranty)* |
| Used Autos: Some applicants may qualify to 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.
Lien Filing Codes for Jovia
Jovia Financial Credit Union, 1000 Corporate Dr. Westbury, NY 11590
If you need a filing code for a state not listed below, use our default filing code, 111644859.
| Arizona: 111644829 | Nevada: NE0032 |
| California: GKK | New Jersey: 48133-80001-15900 (* NOT DONE ELECTRONICALLY * ) |
| Colorado: E1116448590001 | New York: 13433 |
| Florida: 201112726 | North Carolina: 23290939 |
| Georgia:101350471680 | Ohio: E01528 |
| Idaho: 111644859 | Oklahoma: LH004821 |
| Iowa: 11164485900 | Pennsylvania: 11164485901 |
| Kansas: 111644859 | South Carolina: 30742286 |
| Louisiana: EWJA | South Dakota: 111644859 |
| Maryland: 08414 | Texas: 11164485900 |
| Massachusetts: C11245 | Virginia: ELTL4 |
| Michigan: LH002118 | Washington: 111644859-01 |
| Nebraska: 53567588 | Wisconsin: 133522 |
Groove Car Contacts
Nassau/Suffolk/5 Boroughs: | Judith Kaye | (631) 466-4690 | |
Hudson Valley: | Rich Hess | (516) 220-7584 | |
Northern NJ/PA: | Bernice Lopez | (908) 907-4606 | |
Southern NJ/PA: | Susan Hoffman | (609) 221-0086 | |
Ohio: | Greg Dale | (601) 550-2725 | |
Massachusetts: | Connor McNulty | (978) 808-2403 | |
Michigan: | Kelsey Jackson | (978) 808-2403 |
All insurance binders, DMV forms and Indemnification forms must have the following address for Jovia-1000 Corporate Drive, Westbury, NY 11590