Solutions for Less Than Perfect Credit
It’s easy for debt to become overwhelming, which can damage your credit score and your finances. We’re here to help get you back on track so you can get back to living your life.
Here are some of the ways we can help
Emergency cash to tide you over
Loans and refinancing at competitive rates
Debt consolidation solutions to simplify your finances
Free financial counseling to develop a long-term plan
A free credit report so you can see where you stand
Loan and Credit Products
Getting Started
Talk to a VyStar Representative
We’re here to listen, answer your questions and work with you to find the right solution.
904-777-6000Find the Solution That’s Right for You
We can help you navigate your options, whether you need a little extra cash or a debt consolidation plan
Get Free Financial Counseling
Work with a financial counselor to develop a long-term plan to get back on track and improve your credit score.
Calculate Your Loan Payment
Credit and Debt FAQs
Why is my credit score important?
How do I find out my credit score?
How can a new loan improve my finances?
Related Tools & Resources
Get Your Free Credit Report
Your credit score can impact your finances — and your lifestyle. Get a free copy of your credit report to check for errors and prevent problems.
Saving Accounts
Open a free savings account with as little as $5 and earn competitive dividends with no monthly service fee.
Free Financial Counseling
As a VyStar member, you get free counseling from BALANCE to help you take control of your money and meet your financial goals.
All loans are subject to credit approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.