trusted formJovia vs PenFed | Several.com
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Jovia vs PenFed

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Pros
  • 100% financing
  • No prepayment penalties
  • NCUA insured
Pros
  • Bonus cash offers on select car models
  • GAP Insurance & ADR
  • Low APR rates
  • Approval within 48 hours
  • Competitive APR (annual percentage rate) as low as 2.09%
  • Great deals with huge discounts when purchasing a car through its auto-buying service
  • Offers for credit union members
  • Auto loans can go up to 110% of the vehicle value
  • Simple and straightforward online application
Cons
  • Has late payment fees
  • Only finances personal use vehicles
  • Membership is required
  • Online application portal is broken
Cons
  • Membership required to get a loan
  • Social Security number required with initial application
  • Best rates are available only for excellent credit scores
  • You need to open a saving account before you can get a loan
Selling Points
  • 100% financing
  • No prepayment penalties
  • NCUA insured
Selling Points
  • Bonus cash offers on select car models
  • GAP Insurance & ADR
  • Competitive APR (annual percentage rate) as low as 0.99%
  • Approval within 48 hours
  • Great deals with huge discounts when purchasing a car through its auto-buying service
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
  • 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
  • APRs (Annual Percentage Rate) Vary
  • 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
  • Lease Buyout
  • New Auto
  • 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
  • Cash Payments
  • Debit or Credit cards
  • Mailed Payments
  • Undisclosed
    Major Credit Cards
Protection
  • Extended Warranty
  • GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy
Protection
  • Extended Warranty
  • GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy