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Download the New Wellby App & Enroll in Digital Banking

Be sure you have your existing member information ready to avoid enrollment issues, including your social security number, member number, and the email address and phone number associated with your JSC FCU account. Don’t attempt to enroll more than four times to avoid being locked out.

Secured Personal Loan

Build credit while saving money with lower interest rates.

Let Your Collateral Work for You

By using your savings or certificate account as collateral, approval is easy. With a secured loan from Wellby, you can build your credit and have the money you need when you need it.

Your Savings Secure Your Dreams

A secured loan from Wellby can be used for any purpose and help you achieve your financial goals or dreams.

  • Borrow 100% of your savings account or 90% of your certificate value. Funds are released as you pay down the loan.
  • You'll continue to earn dividends on your collateral account.
  • You'll pay a lower interest rate than an unsecured loan.
  • Making on-time payments will help establish, or rebuild, your credit. 

Easy Online Application

With our convenient online application, you can apply at home or on-the-go at your convenience.

The Funds You Need, When You Need Them

With flexible loan terms and reduced interest rates, you can cover life’s expenses and build your credit, so that nothing is standing in the way of your goals.

Secure Your Loan in 3 Simple Steps

Step 1

Fill out our easy online application.

Step 2

We’ll be in touch to let you know if your application is pre-approved.

Step 3

Receive your funds to cover what you need to!

Ready to Get Started?

Whether you have a limited credit history or you're rebuilding a low credit score, we’ve got you covered with our personalized secured loan options.

Secured Loan FAQs

Learn more about our secured loan options and why they may be the right choice for you!

Learn More

Common Questions

How do I apply for a secured loan from Wellby?
What is the difference between a secured and unsecured loan?
How much can I borrow with a secured loan from Wellby?