Credit union
Independent comparison. JustAutoRates is not affiliated with Jovia Financial Federal Credit Union. To apply, visit jovia.org.
New York · Headquarters New York
Long Island-based credit union; membership eligibility requirements apply
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
6.28%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.62%New72 months
NY
Minimum loan $15,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $15,000 for a 6-year term. Advertised as 72 months.
Checked Nov 11, 2026Source jovia.org
6.82%New84 months
NY
Minimum loan $25,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $25,000 for a 7-year term. Advertised as 84 months.
Checked Nov 11, 2026Source jovia.org
7.82%New96 months
NY
Minimum loan $30,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. New vehicles only; minimum loan $30,000, credit score 670+, max LTV 100%. Advertised as 96 months.
Checked Nov 11, 2026Source jovia.org
6.28%UsedUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.62%Used72 months
NY
Minimum loan $15,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $15,000 for a 6-year term. Advertised as 72 months.
Checked Nov 11, 2026Source jovia.org
6.82%Used84 months
NY
Minimum loan $25,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $25,000 for a 7-year term. Advertised as 84 months.
Checked Nov 11, 2026Source jovia.org