Wellby Financial
Formerly JSC Federal Credit Union
Wellby Financial — refinance APRs as low as 5.24%, terms up to 84 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Wellby Financial does not publish this on their public site. "No restriction" means Wellby Financial explicitly states no limit.
Overview
Wellby Financial (formerly JSC Federal Credit Union) serves the greater Houston community and publishes a dedicated auto refinance offer: as-low-as APRs from 5.24% with a $10,000 minimum loan amount. Its longest terms (78-84 months) are reserved for 2017 and newer model-year vehicles.…
What’s great
- Dedicated auto refinance offer
- As-low-as APRs from 5.24%
- Terms up to 84 months on 2017 and newer vehicles
What to know
- $10,000 minimum loan amount for the refinance offer
- Credit union membership is required; eligibility is tied to the greater Houston community
- Minimum credit score is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.24% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $10,000 minimum |
| Term length | Up to 84 months |
| States served | 1 states |
| Membership requirement | Serves the greater Houston community |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Wellby Financial's own published materials. Rates, eligibility, and terms can change — verify directly with Wellby Financial before applying.
- [1]Auto Refinance Offer — Wellby Financialhttps://www.wellbyfinancial.com/auto-refinance-offer/Last checked: October 2026
- [2]Auto Loans — Wellby Financialhttps://www.wellbyfinancial.com/loan/vehicle-loans/auto/Last checked: October 2026