trusted formJovia vs LightStream | Several.com
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Jovia vs LightStream

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Pros
  • 100% financing
  • No prepayment penalties
  • NCUA insured
Pros
  • No restrictions on mileage, car model or make
  • $100 back for borrowers who are not satisfied with their loan
  • Cash deposit as soon as the same day
  • Interest rates are low compared to other lending companies
  • Predictable payments due to the fixed APR rates
Cons
  • Has late payment fees
  • Only finances personal use vehicles
  • Membership is required
  • Online application portal is broken
Cons
  • Lowest rates are available only for excellent credit score
  • Lack of multiple support options, unless you're a customer already
Selling Points
  • 100% financing
  • No prepayment penalties
  • NCUA insured
Selling Points
  • No restrictions on mileage, car model or make
  • $100 back for borrowers who are not satisfied with their loan
  • Cash deposit as soon as the same day
Available Car Options
  • Undisclosed
    Used
Available Car Options
  • Undisclosed
    Used
Customer Support
  • Articles and Videos
  • Undisclosed
    Email
  • Email Support
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Undisclosed
    Live Chat
  • Undisclosed
    Phone
  • Phone Support
Customer Support
  • Articles and Videos
  • Undisclosed
    Email
  • Email Support
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Undisclosed
    Live Chat
  • Undisclosed
    Phone
  • Phone Support
Eligibility (Credit Score)
  • Accepts all Credit Types
  • Undisclosed
    Doesn't Cover Bad Credit
Eligibility (Credit Score)
  • Undisclosed
    Accepts all Credit Types
  • Doesn't Cover Bad Credit
Features
  • APRs (Annual Percentage Rate) Vary
  • Mobile Application
  • Requires Minimum Credit Score
  • Test Drive
Features
  • Undisclosed
    APRs (Annual Percentage Rate) Vary
  • Undisclosed
    Mobile Application
  • Requires Minimum Credit Score
  • Test Drive
Money-Back Guarantee
  • Undisclosed
    Yes
Money-Back Guarantee
  • Undisclosed
    Yes
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • New Auto
  • Undisclosed
    Private Party
  • Refinance
  • Used Auto
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • New Auto
  • Undisclosed
    Private Party
  • Refinance
  • Used Auto
Payment Options
  • Automatic Payments (ACH Transactions)
  • Undisclosed
    Cash
  • Undisclosed
    Cash Payments
  • Debit or Credit cards
  • Undisclosed
    Mailed Payments
  • Undisclosed
    Major Credit Cards
Payment Options
  • Automatic Payments (ACH Transactions)
  • Undisclosed
    Cash
  • Undisclosed
    Cash Payments
  • Undisclosed
    Debit or Credit cards
  • Mailed Payments
  • Undisclosed
    Major Credit Cards
Protection
  • Extended Warranty
  • GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy
Protection
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy