Financial Well-being Resources and Personal Loans

Here's what you need to know

What it does for you
Why it's important
When you can enroll

FinFit is a financial well-being platform that can help you meet your financial needs and achieve your financial goals. FinFit offers a range of services and resources including unlimited financial coaching, flexible loan, and credit solutions¹, budgeting tools, educational courses, and more. It's never too late—or too early—to begin planning for a brighter financial future.

With the FinFit platform you have access to:

Flexible credit soutions¹: Loans and credit help you consolidate debt or cover expenses and can be repaid right from your paycheck.² Eligible Associates may apply to find out what you qualify for with no impact to your credit score.³
Free financial coaching: Connect one-on-one with a certified financial counselor.
Financial assessment: Identify your personal goals and discover your path to financial freedom.
Financial dashboard & insights: Establish a budget, connect your accounts, and receive alerts to keep you on track.
Financial education courses: Engage in interactive, self-paced courses covering a range of personal finance topics. Plus, help your children begin their own financial literacy journeys with courses designed for grades K-12.
Student loan services⁴: Simplify the repayment of your student loans.
Budget calculators: Easy-to-use calculators will help you plan for potential life events.

All U.S. Associates have access to FinFit’s financial well-being tools and resources including:

Budget Tools
Financial Coaching
Student Loan Services
Educational Resources & Articles

You are also eligible to apply for a loan if:

You are a U.S. Associate
You are at least 18 years old
You have a valid Social Security Number
You have an annual TJX income of at least $15,000
You have been employed by TJX for at least 3 months
You are not covered under a collective bargaining agreement
You do not live in Puerto Rico
You are an account holder of an active checking or savings account

Your hopes, your dreams, and your goals matter. You deserve equal access to the resources, knowledge, and opportunities to realize those hopes and dreams and accomplish those goals. With FinFit, you gain access to financial wellness tools and services to build generational wealth for yourself and your family.

Whether you want to tackle debt, cover expenses, or simply improve your financial health, FinFit can support you on your financial journey.

You may access FinFit’s financial well-being tools and resources at any time. Eligible employees may apply for a loan once you have been employed for at least 3 months.

Who is the provider?

Can I repay my loan/credit via payroll deduction?

Who in my family can use this program?

The FinFit platform, including loans, is for Associates only, but the Ready University (financial education resources within the platform) can be shared with children, grades K-12. To access this feature: Log into your FinFit account, Select “Premier educational courses” from the main menu or the home page, and scroll to the bottom of the page.

How can this help me?

FinFit gives you access to resources that can help you improve your financial well-being. From financial coaching and personalized health assessments to flexible credit solutions and financial education courses and so much more (see above)—we empower and equip you to achieve your financial goals.

When can I enroll?

How much does this service cost?

What if my employment status changes?

If you leave your employer, your interest rate and repayment schedule will not change.  Your loan repayments will be withdrawn automatically and securely from your bank account on file if you authorized us to do so during the loan application process.  If you did not sign up for bank repayments during your application, please contact our Account Management team by email at ffcustomerservice@finfit.com or by phone at 888-568-9878 and we can help you set up direct payment arrangements.

Who can apply for a loan?
You are eligible to apply for a loan if:
- You are a U.S. Associate
- You are at least 18 years old
- You have a valid Social Security Number
- You have an annual TJX income of at least $15,000
- You have been employed by TJX for at least 3 months
- You are not covered under a collective bargaining agreement
- You do not live in Puerto Rico
- You are an account holder of an active checking or savings account

Legal Disclaimers

¹Loans are made by Celtic Bank. Loans subject to credit approval. Loan products, availability, features, and service providers vary by state. Service providers are FinFit Ops, LLC (see Licenses Licenses (myfinfit.com)) or its affiliate, Salary Finance, Inc. (see Licenses Licenses (myfinfit.com)). See application terms and loan agreements for more details.

²Due to lending regulations, not available to Associates in Puerto Rico. Payroll deduction repayment is not available in DC, IN, NH, NJ, NY, and WV.

³Applying for a JumpStart loan will not affect your credit score. In the event you are approved for and accept a JumpStart Finance loan, a hard inquiry will appear on your credit report, which may impact your credit score.

⁴Student loan services are provided by unaffiliated third parties. FinFit loans issued by Celtic Bank do not include student loans.

Mercer's Role & Compensation

Financial Well-being Resources and Personal Loans

Financial Well-being Resources and Personal Loans

Meet your financial needs and achieve your financial goals with FinFit.

Here's what you need to know

How It Works

Your car broke down and you need cash now to pay for the repair.

Your car broke down and you need cash now to pay for the repair.

You get a personal loan through FinFit.

Frequently Asked Questions

Are You Ready To Get Started?