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
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.
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
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.
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
Compare Personal Loans |
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Personal Loan | Home Improvement Loan | SafetyLine |
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. |
Apply Now | Apply Now | Apply Now |
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 |
BENEFITS |
BENEFITS |
BENEFITS |
• Competitively low fixed rates |
• Available for any size home project, |
• Avoid inconvenient overdraft fees • Cover expenses with emergency cash |
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.
- 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.