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LESS THAN PERFECT CREDIT

Speak with a VyStar Representative

At VyStar, we know things happen that can lead to financial difficulties. If you would like to apply for a loan with us sometime in the future – or maybe you already have a loan and are having trouble making payments – please call a VyStar Representative at (904) 777-6000 or 800-445-6289. Or stop by any VyStar Branch to speak with a Member Relationship Specialist. We are available to answer your questions and provide practical advice and solutions. Maintaining good financial health is the key to success. Help is here.

SmartWheels Auto Loan can get you to work

Sometimes you need a little extra help and a car to get to work may be the first step. VyStar’s SmartWheels auto loan provides basic, no-frills transportation to get you to and from work. Let a VyStar Representative tell you more about this and other programs for members who are of modest means or have less than perfect credit.

Free Financial Counseling

Our free and confidential financial counseling and education program – BALANCE – is committed to helping individuals and families across the nation take control of their finances and reach their goals. Whether you're interested in developing a workable spending and savings plan, getting out of debt, understanding and improving your credit report, or planning for your financial future, we want to help. Select “Free Financial Counseling” above to find out more.

VyStar also offers a full-time Financial Counselor on Jacksonville’s military base at our NAS Jax Branch, Building #39.

Identity Theft 911™

Sometimes things happen that are completely out of our control but can cause serious damage to our credit and identity. If your identity has been compromised by some type of fraud or scam or you need to rebuild your original means of identification because of a natural disaster, such as flood or tornado, select “Identity Theft 911” above to find out what you can do. A VyStar Representative can put you in touch with the nation's top fraud resolution specialists to help you get your life back on track.