Best Personal Loan Rates in New Jersey (NJ) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to New Jersey borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in New Jersey include: TrustCo BankTrustCo Bank385 N Franklin Tpke, Ramsey, NJ, 07446A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Selfreliance Federal Credit UnionSelfreliance Federal Credit Union734 Sanford Ave, Newark, NJ, 07106A5.0 ★Texas Ratio: 9.40% offering 2024 or Newer Loan at 4.89% APR, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402A5.0 ★Texas Ratio: 8.82% offering 10 Year Loan at 5.38% APR, and Haven Savings BankHaven Savings Bank621 Washington St, Hoboken, NJ, 07030A+5.0 ★Texas Ratio: 2.97% offering 10 Years Loan at 5.68% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across New Jersey side-by-side. New Jersey personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 385 N Franklin Tpke, Ramsey, NJ, 07446. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in New Jersey. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ, 07106
2024 or Newer Loan
4.89%
▼
APR4.89%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
10 Year Loan
5.38%
▼
APR5.38%
Last UpdatedMay 22, 2026
Details
No additional details available.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ, 07106
2023 or Older Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
No additional details available.
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ, 07030
10 Years Loan
5.68%
▼
APR5.68%
Last UpdatedMay 22, 2026
Details
No additional details available.
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ, 07093
10 Year - 120 Months Loan
5.79%
▼
APR5.79%
Last UpdatedMay 22, 2026
Details
Fixed Rate, Owner Occupied, No Points
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
5.89%
▼
APR5.89%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
5.94%
▼
APR5.94%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
6.14%
▼
APR6.14%
Last UpdatedMay 22, 2026
Details
As Low As
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
Loan
6.27%
▼
APR6.27%
Last UpdatedMay 22, 2026
Details
$10,000 - $250,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 650 and Above
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ, 08809
Current Wall Street Journal Prime Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedMay 22, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Purchase (25 Year, 75% LTV) Loan
6.96%
▼
APR6.96%
Last UpdatedMay 22, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
With 12 months terms ($3000.00 max)
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Credit$ense Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Low Fixed Rate of
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $5000 for 2 years.
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
Loan
7.27%
▼
APR7.27%
Last UpdatedMay 22, 2026
Details
$10,000 - $250,000
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedMay 22, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
Up to $10,000 maximum
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 650 and Above
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
48 Months Loan
7.70%
▼
APR7.70%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
7.95%
▼
APR7.95%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedMay 22, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 1 Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 649 - 575
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
up to $15,000
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
60 Months Loan
8.20%
▼
APR8.20%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
up to $15,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
171 Broad St, Red Bank, NJ, 07701 2057
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
171 Broad St, Red Bank, NJ, 07701 2057
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
interest rate based on credit score
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
10 Elizabethtown Plz Fl 3, Elizabeth, NJ, 07202 3451
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 650 and Above
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation) Loan
8.60%
▼
APR8.60%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
72 Months Loan
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As; 36 Months
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
101 W Elmer Rd, Vineland, NJ, 08360 6312
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Unsecured Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 649 - 575
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $15,000 for four years. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
up to $15,000
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Holiday Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Vacation Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Family Event/Crisis Loan
9.44%
▼
APR9.44%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
1 Campus Dr, Parsippany, NJ, 07054 4404
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 574 and Below
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ, 07940
Loan
9.74%
▼
APR9.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 22, 2026
Details
As Low As
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
660 Newark Ave, Jersey City, NJ, 07306 2379
Unsecured Loans
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As low as
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
970 Broad St, Newark, NJ, 07102 2534
Preferred Customer Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ, 07844
Life Happens Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Property Tax Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Other Rates and Terms Apply.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
111 Terminal Ave, Clark, NJ, 07066
Extra Cash This Summer Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $1,500 Rates as low as 9.99% 12 Month Repayment No Prepayment Fees *If you already have a loan and are a member in good standing, you are automatically APPROVED!*
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
111 Terminal Ave, Clark, NJ, 07066
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $1,500 Rates as low as 9.99% 12 Month Repayment No Prepayment Fees *If you already have a loan and are a member in good standing, you are automatically APPROVED!*
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; 72 Months
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.32%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 649 - 575
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ, 08225
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed payments and no pre-payment penalties.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As; Other Rates and Terms Apply.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Appliances & Furniture Loan
10.44%
▼
APR10.44%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
Up to $15,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As; 37 - 60 months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As; 84 Months
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
Credit Report Score: 650 and Above
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 2 Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
10.69%
▼
APR10.69%
Last UpdatedMay 22, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Technical Skills Loan
10.79%
▼
APR10.79%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Holiday Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As; all rates based on creditworthiness
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Vacation Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
Up to $10,000 maximum
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
7.95%
▼
APR7.95%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
up to $15,000
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
up to $15,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedMay 22, 2026
Details
As Low As; Relationship Premium Annual Percentage Rates
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
10 Elizabethtown Plz Fl 3, Elizabeth, NJ, 07202 3451
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
up to $50,000; As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
101 W Elmer Rd, Vineland, NJ, 08360 6312
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
up to $15,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.32%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ, 08225
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed payments and no pre-payment penalties.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As; all rates based on creditworthiness
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation) Loan
8.60%
▼
APR8.60%
Last UpdatedMay 22, 2026
Details
As Low As; Max $20,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As; 36 Months
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; 72 Months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As; 84 Months
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
11.74%
▼
APR11.74%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
Proceeds made directly to creditors only!
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedMay 22, 2026
Details
Up to 48 month term. Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
15.49%
▼
APR15.49%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
16.49%
▼
APR16.49%
Last UpdatedMay 22, 2026
Details
Maximum total not to exceed $40,000
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
171 Broad St, Red Bank, NJ, 07701 2057
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
171 Broad St, Red Bank, NJ, 07701 2057
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As low as
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Other Rates and Terms Apply.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
As Low As; Other Rates and Terms Apply.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in New Jersey currently.
New Jersey Personal Loan Rate Trends
Compare local New Jersey personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NJ Avg
11.877%
▲ 0.043 vs 7 days ago
New Jersey personal loan rates rose 0.043 points over the past 7 days to 11.877% APR.
Signature Loan — NJ Avg
10.086%
▼ 1.996 vs 7 days ago
New Jersey signature loan rates fell 1.996 points over the past 7 days to 10.086% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Jersey personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for New Jersey directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in New Jersey. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NJ.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
Most lenders in New Jersey require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Jersey often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in New Jersey require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in New Jersey?
Yes. Debt consolidation is one of the most common uses of personal loans in New Jersey. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in New Jersey?
Credit unions in New Jersey often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in New Jersey?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Selfreliance Federal Credit Union: 4.89% (2024 or Newer Loan)
- American Heritage Federal Credit Union: 5.38% (10 Year Loan)
- Haven Savings Bank: 5.68% (10 Years Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026.
