Auto Loans

Your next ride starts here

You’re almost at the finish line on your current auto loan. Whether you’re upgrading, leasing, or exploring electric vehicles, we’re here to help you shop smarter, finance confidently, and move forward with brighter banking.

You’re Almost There

Congratulations! You’ve been making steady progress on your auto loan, and payoff is officially on the horizon. As you start thinking about your next vehicle, now is the perfect time to begin preparing so you can shop with confidence when the time comes.

Whether you’re planning to upgrade your ride, explore leasing, or go electric,

Jovia is here to help make the process easier from start to finish.

Helpful Tips Before You Shop

Planning Your Next Vehicle? Start Here.

Shopping for your next vehicle can feel exciting, but also overwhelming. A little preparation now can help you feel more confident once you walk into the dealership.

Review Your Budget

Think about what monthly payment feels comfortable for you before shopping. Tools like our MX Money Management feature in Online and Mobile Banking can help you understand your spending and create a realistic budget.

Explore MX Money Management

Research Your Trade-In Value

If your current vehicle is in good condition, your trade-in could help lower the cost of your next vehicle or reduce your future monthly payment.

Check In on Your Credit Health

Before you start shopping, it’s a good idea to review your credit score and confirm everything looks accurate as your current loan approaches payoff. Understanding your credit health can help you feel more prepared and confident when exploring financing options.

Checking your credit regularly can also help you:

Monitor payment history
Watch for unusual activity
Understand your borrowing power before shopping

Did you know you can access your credit score on Jovia’s Online and Mobile Banking?

Here’s how

Get Pre-Approved Before the Dealership

Pre-approval gives you a clearer understanding of your budget and can help strengthen your negotiating power at the dealership. It also helps streamline the financing process once you find the right vehicle.

Get Pre-Approved

Explore Current Rates

Competitive rates can make a big difference in your monthly payment and total loan cost. Check out our latest auto loan rates as you begin planning your next move.

View Current Rates

EV promotion

Thinking About Going Electric?

If you finance a new or used electric or hybrid vehicle with Jovia, you may qualify for a $100 cash bonus^* as part of our current EV promotion.

It’s just one more way brighter banking can help support your next ride.

Jo from Jovia

Buy or Lease?

Trying to decide whether buying or leasing makes the most sense for your lifestyle? Jo from Jovia breaks down the pros and cons to help you feel more confident about your next decision.

Watch the Video

After Your Final Payment

What Happens After Your Final Payment?

Once your loan is paid in full:

Your loan will officially be marked as paid
The lien release process will begin
The lienholder will be removed from your title
You’ll receive any final documentation or next-step instructions

Don’t Forget Your Insurance
Once your loan is paid off, contact your insurance company to remove the lienholder from your policy.

Brighter Banking

No matter what your next ride looks like, we’re here to help you move forward with confidence. From pre-approval and competitive rates to helpful tools and personalized support, Jovia is ready to help make your next vehicle experience a little easier, a little smarter, and a lot brighter.

^*Offer available for new and existing Jovia members starting July 1, 2022. All loans are subject to credit approval. Cash bonus will post automatically to the members’ checking or share up to 30 days after loan funding. Cash bonus may be reported as income on IRS form 1099-MISC. Cash bonus is limited to one per loan application while supplies last. Membership eligibility requirements apply. Rates are subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift.

Jovia does not finance vehicles used for delivery, commercial, livery, taxicab or rideshare purposes. Jovia will not finance vehicles with salvaged or gray market titles. Vehicles financed by Jovia are for personal use only.