Apply for a Loan
At VyStar, we are ready to lend you the money you need for the things you want and need. We are happy to assist you with your loan through our Contact Center, with assistance online or in any VyStar branch.
You must be a VyStar member to apply for a loan. Not a member yet? Visit How to Join for information on joining VyStar Credit Union.
Loan Application Checklist
Before you apply for your VyStar loan, make sure you have the following information on hand:
- VyStar member number
- Amount you want to borrow
- Length of time you want to finance your loan
- Current employer name and contact information
- Previous employer information (if length of current employment is less than two years)
- Current income
- Your contact information, including:
- Address, phone number, email
- Name of creditors to be consolidated (for debt consolidation requests)
- Year, make and model of collateral, such as vehicle, boat, etc. (for refinance and individual sale requests)
- Co-applicant information, including:
- Full Name
- Address, phone number, email
- Date of birth
- Employer name and contact information
- Social Security Number
How to Apply
Along with applying at a branch, we also offer applications by phone and online through Internet Banking. For more information about what type of loans are available, explore our Lending section.
Apply by phone
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| Contact the Contact Center at 904-777-6000 or 800-445-6289, option 3 to discuss your loan options with a professional, one-on-one. Our team of VyStar Representatives will listen, answer your questions, and help you find the best financing and service options available to you. Approvals are quick and usually come the same day you contact us. |
Apply via Internet Banking
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Users of Internet Banking may also apply for a consumer loan via Internet Banking. Members can apply for the following types of loans online: Auto Loan, Boat/Marine Products, Credit Card and Personal Loan.
To apply:
- Log into Internet Banking.
- Click on "Apply for Loan" in the menu bar at the right. Be sure your pop-ups are enabled.
- Select Loan Type from the drop-down menu.
- Choose either single or joint loan application.
- Continue through application process.
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Apply via VyStar Mobile Banking App
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- Log in to the VyStar Mobile Banking App.
- Tap “More” at the top of the screen.
- Tap “Apply for a Loan.”
- Follow the on-screen instructions to fill out and submit your loan application.
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All loans are subject to credit approval.