Love Your Car, Love Your Payment

Auto Loan Rates as Low as 6.14% APR*

At Wellby, we know that financial freedom comes from financing you can afford – especially when it comes to your car loan.

High monthly car payments can strain your monthly budget unnecessarily and prevent you from feeling secure about your financial future. That’s why you need a new or used car loan that comes with an affordable interest rate that fits your budget.

We believe everyone should have an affordable car payment that allows you to enjoy your new car without overpaying high-interest rates. For over 60 years, we’ve helped our members finance their dream cars with competitive rates, and flexible terms, so they can feel confident when choosing the right car for them.

Here's how Wellby can help:

  1. Complete your application to determine pre-approval.
  2. A Wellby loan specialist will reach out to discuss your needs and help you get an affordable interest rate.
  3. Close on your new vehicle loan with a rate that fits your budget.

Stop wasting money by paying too much for your car. Instead, enjoy the peace of mind and affordable rates available when financing your Wellby auto loan.

Auto Rates

*APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Rate effective as of 5/31/2024.  Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Payment Example: A $20,000.00 loan with a 48-month term at 6.14% APR will have 47 payments of $471.10 and a final payment of $470.75.  Rates subject to change without notice. For more information, please contact a Wellby lending specialist at (281) 488-7070.


JSC Federal Credit Union does business as Wellby Financial ("Wellby Financial" or "Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union. This offer is subject to membership eligibility. You are eligible if you live, work, worship, attend school, or do business in the Greater Houston Metro or Galveston area. You can also join Wellby if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners’ associations, or areas of community service in our field of membership or are an American Consumer Council member. You may also be eligible to join if you are an immediate family member or live in the same household as a current Wellby member.