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

1

Talk to a VyStar Representative

We’re here to listen, answer your questions and work with you to find the right solution.

904-777-6000
2

Find 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

3

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?

Your credit score is what credit unions, banks and other financial institutions use to determine whether you are likely to pay back your debts. If you have a high credit score, then you’re seen as more trustworthy. As a result, you have a better chance of getting approved for a credit card or loan and you may qualify for a lower interest rate or a higher credit limit.

Your credit score can also impact other areas of your life. Landlords, employers and insurance companies may look at your credit score as a way to determine whether you are financially responsible and trustworthy.

How do I find out my credit score?

You can request a free copy of your credit report once a year by visiting AnnualCreditReport.com or by calling 877-322-8228. It’s a good idea to review it regularly to see how you’re doing and ensure that your report is accurate.

How can a new loan improve my finances?

In some cases, taking out a new loan or refinancing an existing loan could lower your interest rate or reduce your monthly payment. Consolidating your credit card and other revolving debts into a fixed-rate, fixed-term loan might also help. However, there are many factors to consider, so it’s important to weigh your options. We’re here to help if you have questions or need advice.

Join VyStar Today

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.