Lender profile
Jovia Financial
Lender Live rate observations
Jovia Financial at a glance
Jovia Financial is a lender based in New York. LoanMate.ai tracks 23 published loan products from Jovia Financial (23 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.74% on HELOC · INTRO. Its 30-year fixed rate of 6.875% is 0.125 points below the national median of 7% (across 233 lenders publishing that product). Jovia Financial lends in New York only.
Purchase mortgage (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 15FP | 6.500 | 6.773 | — | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.500 | 6.981 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | 6.875 | 7.057 | — | — | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (14)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-12 | — | 5.78 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-24 | — | 5.78 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-36 | — | 5.78 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 5.78 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 5.78 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-12 | — | 6.10 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-24 | — | 6.10 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-36 | — | 6.10 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 6.10 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 6.10 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 6.12 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 6.35 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.82 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 7.10 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 7.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 8.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 8.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 9.24 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 9.99 | — | — | 2026-10-17 | Lender source ↗ |
How Jovia Financial compares
- #3 nationally for Used auto loan · 12 months — 6.1% (of 5 lenders publishing it)
Compare all purchase mortgage rates · Compare all heloc rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Jovia Financial?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Jovia Financial is 5.74% on its HELOC · INTRO. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Jovia Financial lend?
Jovia Financial lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Jovia Financial's 30-year fixed rate compare nationally?
Jovia Financial publishes 30-year fixed at 6.875%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Jovia Financial is 0.125 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.