Unlock the cash
in your car

Why Finova?

Finova Financial is transforming the FinTech industry as a socially responsible online lender, providing fast, affordable loans using your car as security.

Finova’s CLOC costs up to 50% less than the current national average, provides quick access to capital, and a 12-month payback plan where available.

Finova clients benefit from the ability to complete the loan process online, quick approval decisions and same day cash funding. The Finova client portal provides personalized access to our financial dashboard allowing real time management of your loan. Payments can be made from the convenience of computers, mobile devices, and at 32,000 US retail locations.

• 30% Maximum APR
• Fees include: $75 DMV Lien Fee, Document Stamp Tax (Varies depending on loan amount). All fees are rolled into the life of the loan or are included in the Finance Charge.
• Payback of loan is required in case of accident. You must have comprehensive and collision insurance prepaid for the term of the loan with Finova Financial named as an additional payee or you may purchase the Debt Cancellation Addendum. We are not affiliated with any insurance companies and receive no payments for referrals.
• Maximum repayment length of 12 months
• Minimum loan term 12 months
• Pay off at any time with no prepayment penalty or fee

We will now provide example so you can see the cost of a typical loan. Assume you borrow $1,000 dollars at the maximum APR of 30% and you pay it back making payments on time.

In the above example, you will have paid $261.52 for your loan inclusive of fees payable to third parties. We will have collected an effective rate of 17% on the amount financed.

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