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	Shop for a new car or vehicle with confidence with our pre-approved VIP Loan program. We offer loans for: Autos Classic Autos Boats RVs Motorcycles and Scooters ATVs Trying to establish or rebuild your credit? Find affordable and practical financing with our SmartWheels Auto Loan.   Plus, learn more about which dealerships offer VyStar auto financing, insurance requirements for VyStar auto loans and more.
Personal Loans	Get the money you need to accomplish your personal goals, from home renovations to big-ticket purchases.
Mortgages	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	Get more information on how to apply for a VyStar loan for the things you want and need.
Make a Loan Payment	Learn more about all the convenient ways you can make a payment to your VyStar loan.
Loan Protection	Find out how to protect your family’s financial future with credit, life and disability coverage.
Extend Your Vehicle Protection	Save on automotive repairs with VyStar’s extended vehicle service coverage through IWS.
GAP Coverage	Protect your vehicle against damage liability that might not be covered under your car insurance policy.
Debt Consolidation	Take greater control of your finances by consolidating your credit card debt into one manageable, low-interest payment.
Adoption Line of Credit	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	Get free financial counseling to help rebuild your credit and achieve your financial goals.
Refinancing Your Loan	Find out how you could potentially get a lower interest rate on your current loan(s).