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Yes, you can! You can apply online, over the phone, or at any branch. Make sure to have your VIN, vehicle year, make, and model handy when you apply. Once you are approved, you will have to provide a payoff letter from the current finance company, an insurance binder listing us as a lien holder, and a copy of the vehicle title. These items are required to disburse the loan.

Jovia Financial P.O. Box 924302 Ft. Worth, TX 76124

Yes, you can. Once you apply, you will be given a pre-approval and the rate and terms of your loan will depend on the vehicle you choose.

The maximum term on Jovia car loans varies and is based upon the age of the vehicle. For new cars, they offer loan terms up to 102 months and for used cars, they offer loan terms up to 90 months.

You can contact them via their website to know more details as they do not disclose it on the website. Or you can visit them in their branches next to you

If your car gets totaled or store, you are still responsible for any balance that remains after the payout from the insurance company (and GAP Insurance Claim if applicable) has been received. A Letter of Guarantee request, with claim information on insurance company documentation, can be submitted via email to [email protected] or faxed to (516) 714-2831. The request must include the following information: The vehicle's VIN (vehicle identification number) Insurance company’s claim number The payout amount for the vehicle Once the request is received, the Jovia team will forward the Letter of Guarantee within 2 business days. It’s important that you continue to make your scheduled payments until they receive payment from your insurance company. This will ensure that your credit is not adversely affected.

They will verify your income by reviewing your last two years Federal Income Tax returns with supporting schedules and possibly your business returns as well.

You can check the status of your loan or deposit account using our application status portal.