Jovia vs OneMain Financial

Jovia Financial Credit Union, established in 1938 and headquartered in Westbury, New York, is one of the largest credit unions in the state, serving nearly 227,000 members. Specializing in various financial services, Jovia stands out for its competitive auto loan offerings. With rates starting as low as 2.39% APR and terms extending up to 96 months, Jovia provides flexible financing options for new and used vehicles from 2012 and newer. Unique features include a trusted dealer network that assists members in finding their ideal vehicle and the option to receive a cash bonus for financing electric or hybrid cars. Jovia also offers a straightforward online application process, allowing for quick approvals. While some customer feedback highlights concerns regarding service quality, many members appreciate the low monthly payments and comprehensive support throughout the loan process. Jovia Financial is federally insured and holds strong industry credentials, making it a reliable choice for auto financing. With its commitment to member satisfaction and financial empowerment, Jovia encourages potential borrowers to explore their auto loan options further.

OneMain Financial, established in 1912 and headquartered in Evansville, Indiana, is a trusted provider of personal and auto loans for individuals with less-than-perfect credit. Specializing in unsecured and secured loans, they offer loan amounts ranging from $1,500 to $20,000, helping borrowers cover various financial needs, from debt consolidation to major purchases. Known for their customer-focused approach, they strive to make the lending process straightforward and transparent, offering both online and in-person services through their nationwide network of over 1,300 branches. Unique features include flexible repayment terms and the option for same-day funding. Customers frequently praised their personalized service and attentive loan specialists, though it's important to note that interest rates can be higher than industry averages, reflecting the company's target audience of higher-risk borrowers. They maintain an A+ rating with the Better Business Bureau (BBB) and have earned positive feedback for their responsive customer service, making them a reputable option for those looking for a reliable loan provider despite credit challenges. Read our review to learn all you need about OneMain Financial before making your call.