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Of course! You can apply online, over the phone, or at any branch. Make sure to have your VIN, vehicle year, make, and model readily available when you apply. After approval, you must provide a payoff letter from your current finance company, an insurance binder listing us as a lien holder, and a copy of the vehicle title. These documents are necessary for the loan to be disbursed.

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

You can contact them via their website for more details, as they do not disclose them on the website, or you can visit them in the branch nearest you.

If your car is totaled or stolen, you are still responsible for any remaining balance after your insurance payout and, if applicable, your GAP Insurance claim. To request a Letter of Guarantee, email [email protected] or fax (516) 714-2831 with your vehicle's VIN, insurance claim number, and payout amount. Jovia will send the Letter of Guarantee within two business days. Continue making scheduled payments until Jovia receives the insurance payment to avoid affecting your credit.

They will verify your income by reviewing your last two years' federal income tax returns with supporting schedules and possibly your business returns.

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

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