FinFit

FinFit

Overview

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

 

With the FinFit platform you have access to:

  • Flexible credit solutions1: 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.

 

 

Activate your FinFit membership

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Tell Me More

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
Contact Us

 Phone
1-800-435-8753
 Hours
M-F 9a-6p ET
 Email
customer.service@mercer.com

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How It Works

Click on GET STARTED on this page

Activate or log in to your account

Browse the FinFit product offerings

Apply for a loan, talk to a coach, or engage with spending management tools

FAQS

Answers about the plan, including eligibility, options, enrollment, customer service and more.
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  • Who is the provider?
    This benefit is offered through FinFit. FinFit works to bridge the opportunity gap with equal access to the services, products, and solutions that help you build financial stability today, and financial security tomorrow.

  • 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?

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

  • How much does this benefit cost?
    The FinFit platform is available to TJX Associates at no cost. Consistent with most lending solutions, FinFit loans and credit solutions are subject to APR and/or fees.

  • What if my employment status changes while I have an open loan or credit line?

    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

  • 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.

  • Can I repay my loan/credit via payroll deduction?
    FinFit offers payroll deduction as a convenient repayment option for borrowers. However, payroll deduction is not available in the following states: DC, IN, NH, NJ, NY, and WV. There are alternative repayment methods available.

 

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) or its affiliate, Salary Finance, Inc. (see Licenses). 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.

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Details of Mercer disclosure of the compensation.

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