Best Personal Loan Rates in Barnegat, New Jersey (NJ) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Barnegat, New Jersey include: Fulton BankFulton Bank870 W Bay Ave, Barnegat, NJ, 08005A+5.0 ★Texas Ratio: 4.98% offering Unsecured Optionline Tier 1 at 8.00% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Riegel Federal Credit UnionRiegel Federal Credit UnionA+5.0 ★Texas Ratio: 5.50% offering Shares Pledged Personal Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Police And Fire Federal Credit UnionPolice And Fire Federal Credit UnionA+5.0 ★Texas Ratio: 0.62% offering Pledge Loan at 4.99% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Barnegat has 1 local institution in our database, with personal loan rates as low as 8.00% APR from Fulton Bank at 870 W Bay Ave, Barnegat, NJ, 08005. Use the tabs below to compare all available personal loan types. 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 Barnegat, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Barnegat, 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: April 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
870 W Bay Ave, Barnegat, NJ, 08005
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
870 W Bay Ave, Barnegat, NJ, 08005
Unsecured Optionline Tier 2
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
870 W Bay Ave, Barnegat, NJ, 08005
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR4.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 12, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Pledge Loan
4.99%
▼
APR4.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
IRA Loans
5.00%
▼
APR5.00%
Last UpdatedApril 12, 2026
Details
As Low As; To Fund an IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Share Loans
5.00%
▼
APR5.00%
Last UpdatedApril 12, 2026
Details
As Low As; Up to 10 Years
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Vacation Loan
6.49%
▼
APR6.49%
Last UpdatedApril 12, 2026
Details
Up to $3,000; plus $50 fee
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 650 and Above
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 650 and Above
APR6.90%
Last UpdatedApril 12, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedApril 12, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
With 12 months terms ($3000.00 max)
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As; Borrow up to $5000
Newark Firemen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR7.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As; Up to $2,500
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Lifestyle Loans
7.24%
▼
APR7.24%
Last UpdatedApril 12, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
7.25%
▼
APR7.25%
Last UpdatedApril 12, 2026
Details
2026*
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 12, 2026
Details
As Low As; Loan amount $10,000 - $400,000
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedApril 12, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 12, 2026
Details
As Low As; Up to $10,000 maximum
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
Based on individual applications, for unsecured loans.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedApril 12, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
7.75%
▼
APR7.75%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 650 and Above
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 12, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedApril 12, 2026
Details
As Low As
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 649 - 575
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
2022 - 2025
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 36 months
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
up to $15,000
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 649 - 575
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
interest rate based on credit score
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
2026*
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 12, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 12, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedApril 12, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
up to $15,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
UNSECURED LOAN
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 12, 2026
Details
Maximum total not to exceed $25,000
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
borrow up to $5k on terms up to 60 months.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
2019 - 2021
APR9.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; - based on credit score
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; Must have over 6-months of employment.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 60 months
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
up to $15,000
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.25%
▼
APR9.25%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 649 - 575
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Unsecured
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
As Low As; Max $20,000
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
2022 - 2025
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 574 and Below
APR9.73%
Last UpdatedApril 12, 2026
Details
No additional details available.
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
Stock Loan
9.74%
▼
APR9.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 12, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 574 and Below
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As low as
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As Low As
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Preferred Customer Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
Maximum Loan Amount $5,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 12, 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: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
Stock Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
As Low As; Auto Pay
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.15%
Last UpdatedApril 12, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 12, 2026
Details
Maximum total not to exceed $25,000
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 12, 2026
Details
As Low As; Fixed payments and no pre-payment penalties. A personal loan will help you save money, rather than going through the high cost of retail financing.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
10.25%
▼
APR10.25%
Last UpdatedApril 12, 2026
Details
2026*
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
As Low As; Regular
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
As Low As; Max $20,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 84 months
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
2019 - 2021
APR10.50%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 650 and Above
APR10.50%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 650 and Above
APR10.61%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Promotional Loans
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
Up to $15,000â€
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
10.75%
▼
APR10.75%
Last UpdatedApril 12, 2026
Details
Credit Report Score: 574 and Below
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
870 W Bay Ave, Barnegat, NJ, 08005
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR6.90%
Last UpdatedApril 12, 2026
Details
No additional details available.
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As; Up to $2,500
APR7.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Newark Firemen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 12, 2026
Details
As Low As; Up to $10,000 maximum
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
up to $15,000
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 36 months
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
up to $15,000
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 12, 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: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 12, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
up to $15,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
borrow up to $5k on terms up to 60 months.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
up to $15,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 60 months
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; - based on credit score
APR9.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 12, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
As Low As; Max $20,000
APR9.73%
Last UpdatedApril 12, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 12, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
As Low As; Auto Pay
APR10.15%
Last UpdatedApril 12, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 12, 2026
Details
As Low As; Fixed payments and no pre-payment penalties. A personal loan will help you save money, rather than going through the high cost of retail financing.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
up to $50,000; Up to 84 months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
As Low As; Max $20,000
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
As Low As; Regular
APR10.61%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
As Low As
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: 4.79%
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 12, 2026
Details
As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
11.74%
▼
APR11.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedApril 12, 2026
Details
Proceeds made directly to creditors only!
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR14.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedApril 12, 2026
Details
Up to 48 month term. Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
14.99%
▼
APR14.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
15.49%
▼
APR15.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
16.49%
▼
APR16.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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: 6.35%
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 12, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 12, 2026
Details
As Low As
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; Must have over 6-months of employment.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 12, 2026
Details
As Low As
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MonitorBankRates
No home improvement personal loan rates found in Barnegat, NJ currently.
Barnegat, NJ Personal Loan Rate Trends
Compare local Barnegat, NJ 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
11.696%
▲ 0.069 vs 7 days ago
New Jersey personal loan rates rose 0.069 points over the past 7 days to 11.696% APR.
Signature Loan — NJ Avg
11.158%
▲ 1.943 vs 7 days ago
New Jersey signature loan rates rose 1.943 points over the past 7 days to 11.158% APR.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
Most lenders in Barnegat, 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 Barnegat, 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 Barnegat, 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 Barnegat, New Jersey?
Credit unions in Barnegat, 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 Barnegat, New Jersey?
- Fulton Bank: 8.00% (Unsecured Optionline Tier 1)
- TrustCo Bank: 4.00% (Passbook Loan)
- Riegel Federal Credit Union: 4.00% (Shares Pledged Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Police And Fire Federal Credit Union: 4.99% (Pledge Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Barnegat, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026.
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