From Mountains to Manageable – Consolidate Your Debt Today

Rates as Low as 8.99% APR* and Flexible Term Options

When debt starts piling up from different loans and credit cards, it puts a strain on your budget and often feels like you’re buried under the weight of your monthly bills.

At Wellby, we know that you want to feel comfortable and confident managing your finances, and we live by the belief that everyone should have options that will help put them on the right path to pay off their debt more affordably.

We want to help you turn your debt into something manageable, so you can potentially pay off your debts sooner, all with one simple monthly payment. A debt consolidation loan from Wellby offers competitive fixed rates and term length options to fit your budget.

We keep the process simple:

  1. Compile your total debt, interest rates, and monthly payments, then apply online.
  2. A Wellby loan specialist will work with you to tailor your loan to fit your needs.
  3. Enjoy a lower monthly payment and interest that can help you get out of debt faster.

Stop paying too much for high-interest rate loans and credit cards. Instead, take control of your debt and rest easy knowing you and your budget have some breathing room.

Debt Consolidation Loan Rates

*APR = Annual Percentage Rate. Rates as low as 8.99% APR. Available term limits up to 120 months. Payment example: A 48-month loan of $10,000.00 at a fixed 8.99% APR will have 119 monthly payments of $248.81, and a final payment of $248.30. The minimum approved loan amount is $1000; the maximum is $40,000; maximum loan amount per individual not to exceed $40,000.


There are no origination or prepayment penalty fees, but late fees and returned payment fees may be charged when applicable.


This offer is subject to change without notice. Wellby has the right to cancel or change this promotion at any time. 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, and other normal lending criteria. Rates subject to change without notice.


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.