Personal Loans

Give your finances some slack

With a personal loan, you can get the cash you need to finance big projects, cover unexpected expenses, or consolidate debt to one low monthly payment. You can use your loan for anything, from home improvement to braces for your kids. There’s no collateral required, and we’ve got great low rates that won’t break your budget.

Benefits of borrowing from Jovia: One of the best credit unions for personal loans

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Keep payments low

Take advantage of competitively low fixed rates that won't strain your wallet. After all, you’re likely looking for a personal loan because you need to take care of something. So, let’s not add any more stress.

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Easy account management

Use online banking or the Jovia mobile app to manage your account and make convenient loan payments.

Personal Loans

At Jovia, we have a variety of personal loans for members to choose from to best suit their financial needs.

Personal Loans

Get the cash you need

With a Jovia Personal Loan, you can get the cash you need for just about anything, furniture, wedding expenses, vacation, and more. Maybe your monthly bills are stressing you out? Use a personal loan to consolidate your debt into one easy monthly payment so you have less to worry about.

  • Quick turnaround
  • Low fixed rate
  • Flexible terms
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PERSONAL LOAN RATES

Term

APR*

Monthly Payment1

12 Months 8.99% $87.45
24 Months 9.24% $45.79
36 Months 9.49% $32.03
48 Months 10.24% $25.48
60 Months 10.99% $21.74

Home Improvement Loan

Turn your plans into action

Looking to do renovations on your new home? We have what you need. Jovia’s Home Improvement Loan2 is available for major renovations or small upgrades to your primary residence, single-family home, or townhouse. Whether you need to build, fix, or upgrade it, a home improvement loan can help you afford it.

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HOME IMPROVEMENT LOAN RATES

Term

APR*

Monthly Payment1

0-60 Months 9.99% $21.24
61-120 Months 10.49% $13.49
121-180 Months 10.99% $11.36

SafetyLine

Give yourself peace of mind

Mistakes happen from time to time, but when they involve your checking account, it’s nice to know you have a back-up. That’s where Jovia's SafetyLine3 comes in to bail you out. Jovia’s SafetyLine is a low variable rate revolving line of credit linked directly to your checking account.

If your account is ever overdrawn, SafetyLine automatically covers your withdrawals, purchases, and check payments up to your available credit limit. With this overdraft protection you can:

  • Eliminate costly overdraft fees and bounced checks
  • Ensure online payments are processed
  • Avoid declined debit card transactions
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Compare Personal Loans

Personal Loan Home Improvement Loan SafetyLine
Beach icon Home improvement icon Cash in hand icon

Those planning a vacation, have an unexpected expense or are making a large purchase.

Those who recently purchased a home and are looking to make home improvements or renovations.

Those who want peace of mind with a backup for their checking account to avoid overdraft fees and access to emergency funds.

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LOAN TYPE

LOAN TYPE

LOAN TYPE

Fixed rate

Fixed rate

Variable rate

LOAN AMOUNTS

LOAN AMOUNTS

LOAN AMOUNTS

$500 - $50,000

$10,000 - $75,000

$250 - $50,000

TERM

TERM

TERM

12 - 60 months

12 months - 15 years

N/A

RATES

RATES

RATES

As low as 8.99% APR*

As low as 9.99% APR*

As low as 11.99% APR*

REQUIREMENTS

REQUIREMENTS

REQUIREMENTS

No collateral or proof of purchase required.

Own a single-family detached home or townhouse. Primary residence only.2

An active CareFree or
Go Green Checking Account.

BENEFITS

BENEFITS

BENEFITS

• Competitively low fixed rates
that won't strain your wallet
• Borrow larger sums
• Manage unexpected expenses,
make a major purchase,
or just have some fun

• Available for any size home project,
from small upgrades to major renovations
• No lien and no closing costs
• Flexible terms and repayment options

• Avoid inconvenient overdraft fees
• Escape the embarrassment of
a bounced check
• Eliminate declined debit card transactions

• Cover expenses with emergency cash

Advice

Need some financial flexibility? A personal loan can help

Thinking about applying for a personal loan, but you’re unsure what you can use it for? You’re not alone. Whether you’re managing unexpected expenses, making a major purchase, or just want to have some fun, a personal loan can be used for almost anything.

FAQs

To qualify for a personal loan, borrowers must meet minimum credit and affordability requirements and be at least 18 years old.

View Personal Loan Rates

Loan approvals are typically good for 60 days after the date of application. Rates vary by product:
  • Fixed Rate Loans such as Personal Loan and Vehicle Loan rates are good for 60 days after the date of application
  • Variable Rate Loans Lines of Credit such as our Home Equity Lines of Credit, Overdraft Lines of Credit and Credit Cards are subject to change at any time before or after funding.
  • Mortgage Loan rates "float" until you are ready to lock it in. At the time of lock in, you will choose the time frame for the rate lock. The standard rate lock options are 30 days, 45 days, 60 days and 90 days depending on your loan.

Looking to pay off your loan? For Personal Loans, Mortgage Loans, Home Equity Lines of Credit, and Auto Loans contact us or visit your local branch to request an official Payoff Letter!

Do you have your lease with us? We can help with questions regarding payment history and the number of remaining payments.

Questions regarding Lease Buyout or Lease Payoff letters should go directly to:

Fusion Auto Finance
1320 Tennis Dr
Bedford, TX 76022
(866) 870-8015

You can also email Fusion Auto Finance at [email protected]

We currently do not accept vehicles as collateral on a personal loan. However, you can apply for a Share Secured Loan and use the balance in your share account as collateral for your loan.

*APR = Annual Percentage Rate. The 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. Membership eligibility requirements apply.

1 Monthly payment per $1,000 borrowed.

2 All applicants must be on the title and occupy the property. Property must be borrower’s primary home and limited to one insured loan against the property. Seasonal, second homes, and rental property are not eligible. Other restrictions apply. Funds must be used for Home Improvement only. Borrower(s) must provide a bid or material list. Funds may be used to refinance or pay off home improvement completed within the last 6 months. Documentation on home improvement required. Maximum loan up to $75,000. Maximum loan term is 15 Years Amortization.

3 The terms and conditions are subject to change without notice. All checking account owners must apply and be approved in order to qualify for a SafetyLine. SafetyLine has a variable APR and is calculated monthly on Prime plus a margin up to 11.25% and will vary with Prime. The Maximum APR will not exceed 17.99%. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved. Membership eligibility requirements apply. Refer to the fee schedule for any fees associated with this account.

Offers of credit are subject to credit approval. Not all applicants may be approved.