Personal Loans

Give your finances some slack

Overwhelmed by high-rate credit card payments or how you’re going to afford your dream wedding? Maybe you need some cash to tackle unexpected medical bills? We get it. Keeping your finances afloat while navigating planned and unplanned expenses can be difficult. That’s why Jovia offers personal loans to help you get the money you need when you need it. 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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Setup automatic payments

Set up automatic recurring payments within online banking or the Jovia mobile app to make sure you never miss a personal loan payment.

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Borrow larger sums

Borrow up to $50,000, if qualified, to help tackle some larger, unplanned costs.

Rates & Terms



Monthly Payment1

12 Months 9.740% $87.80
24 Months 9.990% $46.15
36 Months 10.240% $32.39
48 Months 10.990% $25.85
60 Months 11.740% $22.12

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.


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.