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  • Rates
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  • Products & Services
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        • Holiday Savings Account
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    • Lending
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      • Emergency Relief Loan
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      • Small Business Resource Library
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      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

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Lending

Lending

We have a variety of ways to help you stay protected when the unexpected happens.
Home > Products & Services > Lending

VyStar offers competitive rates on several consumer loan options, including home, automobile and personal. Our online application process can be completed in minutes.

As Northeast Florida’s second-largest mortgage lender, we have experience in traditional home financing, fixed and adjustable-rate mortgage loans, fixed second mortgages and home equity lines of credit.

VyStar works closely with local dealerships to help you find the car and loan that fit your lifestyle and budget. Our highly trained staff and online resources are available to assist you in making the best financial decision.

Auto & Recreational Loans

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Shop for a new car or vehicle with confidence with our pre-approved VIP Loan program. We offer loans for:
  • Autos
  • Boats
  • RVs
  • Motorcycles and Scooters
  • ATVs

Plus, learn more about which dealerships offer VyStar auto financing, insurance requirements for VyStar auto loans and more.
 

VyStar Car Buying Service: Receive a discounted rate on your dream car when you shop through a preferred TrueCar dealer.

Personal Loans

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Get the money you need to accomplish your personal goals, from home renovations to big-ticket purchases.

Mortgages

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Looking for a new home? Learn more about the affordable mortgage programs we offer, and conveniently apply for a VyStar mortgage online.
 
If you already own a house, find out how a Home Equity Line of Credit can help you pay for the things you need—like renovations, college tuition, a new car, a vacation, debt consolidation and more.

Apply for a VyStar Loan

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Get more information on how to apply for a VyStar loan for the things you want and need.

Make a Loan Payment

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Learn more about all the convenient ways you can make a payment to your VyStar loan.

Loan Protection

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Find out how to protect your family’s financial future with credit, life and disability coverage.

Extend Your Vehicle Protection

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Save on automotive repairs with VyStar’s extended vehicle service coverage through IWS.

GAP Coverage

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Protect your vehicle against damage liability that might not be covered under your car insurance policy.

Debt Consolidation

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Take greater control of your finances by consolidating your credit card debt into one manageable, low-interest payment.
Adoption Line of Credit
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Thinking of expanding your family by adopting a child? Find out how an Adoption Line of Credit could help you pay for adoption costs.

Less Than Perfect Credit

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Get free financial counseling to help rebuild your credit and achieve your financial goals.

Refinancing Your Loan

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Find out how you could potentially get a lower interest rate on your current loan(s).
VIP Loan

Before you head to your local dealership, think of financing first with your credit union. At VyStar we’ve come up with a low-cost loan solution that will let you shop for a car with the confidence and negotiating power of a cash buyer.

More About VIP
NADA Vehicle Guide
NADA Vehicle Guide

Use our NADA lookup to help you find the vehicle that's right for you.

Price a Vehicle

Apply for a Loan
Apply for a Loan

Members can make loan payments in several ways.

More About Applying for a Loan

Financial Calculators
Financial Calculators

Make the most of your money with VyStar’s financial calculators.

Get Calculating

Lending
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VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa