Best Personal Loan Rates in New Jersey (NJ) - April 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, Riegel Federal Credit UnionRiegel Federal Credit Union515 Milford Warren Glen Rd, Milford, NJ, 08848 1881A+5.0 ★Texas Ratio: 5.50% offering Shares Pledged Personal Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Police And Fire Federal Credit UnionPolice And Fire Federal Credit Union5901 Route 42, Turnersville, NJ, 08012 1497A+5.0 ★Texas Ratio: 0.62% offering Pledge Loan at 4.99% APR, and American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402A5.0 ★Texas Ratio: 9.69% offering IRA Loans at 5.00% APR. Personal loan rates as of April 14, 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: April 14, 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 UpdatedApril 14, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 14, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedApril 14, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedApril 14, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 14, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ, 08012 1497
Pledge Loan
4.99%
▼
APR4.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
IRA Loans
5.00%
▼
APR5.00%
Last UpdatedApril 14, 2026
Details
As Low As; To Fund an IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Share Loans
5.00%
▼
APR5.00%
Last UpdatedApril 14, 2026
Details
As Low As; Up to 10 Years
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Vacation Loan
6.49%
▼
APR6.49%
Last UpdatedApril 14, 2026
Details
Up to $3,000; plus $50 fee
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 14, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedApril 14, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
6.50%
▼
APR6.50%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
6.75%
▼
APR6.75%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 650 and Above
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedApril 14, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedApril 14, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As; Borrow up to $5000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
With 12 months terms ($3000.00 max)
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As; Up to $2,500
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Newark Firemen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
106 Fleming Ave, Newark, NJ, 07105 4015
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
1301 Parkway Ave, Ewing, NJ, 08628
Lifestyle Loans
7.24%
▼
APR7.24%
Last UpdatedApril 14, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
7.25%
▼
APR7.25%
Last UpdatedApril 14, 2026
Details
Year: 2026*; Credit Report Score: 650 and Above
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 14, 2026
Details
As Low As; Loan amount $10,000 - $400,000
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedApril 14, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 14, 2026
Details
As Low As; Up to $10,000 maximum
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 14, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 14, 2026
Details
Based on individual applications, for unsecured loans.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedApril 14, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 14, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
7.75%
▼
APR7.75%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 650 and Above
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedApril 14, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
5408 Delaware Ave, Ft Dix, NJ, 08640
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
13 Oak St # 17, East Orange, NJ, 07018
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 36 months
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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 Loan
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 649 - 575
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
Year: 2022 - 2025; Credit Report Score: 650 and Above
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
8.25%
▼
APR8.25%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 649 - 575
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 UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
interest rate based on credit score
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 UpdatedApril 14, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
8.50%
▼
APR8.50%
Last UpdatedApril 14, 2026
Details
Year: 2026*; Credit Report Score: 649 - 575
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 UpdatedApril 14, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 14, 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
8.50%
▼
APR8.50%
Last UpdatedApril 14, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 14, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 14, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedApril 14, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 14, 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%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 14, 2026
Details
up to $15,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
No additional details available.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
101 W Elmer Rd, Vineland, NJ, 08360 6312
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Personal
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
borrow up to $5k on terms up to 60 months.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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 **
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
up to $15,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
Year: 2019 - 2021; Credit Report Score: 650 and Above
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 14, 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.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
326 Harrison Ave, Harrison, NJ, 07029 3059
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As; - based on credit score
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As; Must have over 6-months of employment.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 60 months
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Holiday Loan
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Vacation Loan
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 649 - 575
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 UpdatedApril 14, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured
9.49%
▼
APR9.49%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 14, 2026
Details
As Low As; Max $20,000
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 UpdatedApril 14, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 574 and Below
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 14, 2026
Details
Year: 2022 - 2025; Credit Report Score: 649 - 575
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
9.73%
▼
APR9.73%
Last UpdatedApril 14, 2026
Details
No additional details available.
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
Stock Loan
9.74%
▼
APR9.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
175 Park Ave, Madison, NJ, 07940
Loan
9.74%
▼
APR9.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 14, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 14, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.75%
▼
APR9.75%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 574 and Below
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 14, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 14, 2026
Details
As low as
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
970 Broad St, Newark, NJ, 07102 2534
Preferred Customer Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum Loan Amount $5,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As; Other Rates and Terms Apply.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
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 UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
111 Terminal Ave, Clark, NJ, 07066
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 14, 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!*
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Personal
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
Stock Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ, 07306 2379
Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
As Low As
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
As Low As; Auto Pay
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
10.15%
▼
APR10.15%
Last UpdatedApril 14, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ, 08225
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 14, 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.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Personal
10.24%
▼
APR10.24%
Last UpdatedApril 14, 2026
Details
Maximum total not to exceed $25,000
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedApril 14, 2026
Details
As Low As; Other Rates and Terms Apply.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
10.25%
▼
APR10.25%
Last UpdatedApril 14, 2026
Details
Year: 2026*; Credit Report Score: 574 and Below
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
Up to $15,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Personal
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 84 months
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 2
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
No additional details available.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As; Max $20,000
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As; Regular
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
Year: 2019 - 2021; Credit Report Score: 649 - 575
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
10.61%
▼
APR10.61%
Last UpdatedApril 14, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 14, 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 Loan
6.90%
▼
APR6.90%
Last UpdatedApril 14, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As; Up to $2,500
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Newark Firemen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
106 Fleming Ave, Newark, NJ, 07105 4015
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 14, 2026
Details
As Low As; Up to $10,000 maximum
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 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
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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 UpdatedApril 14, 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 Loan
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 36 months
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 UpdatedApril 14, 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
8.50%
▼
APR8.50%
Last UpdatedApril 14, 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 UpdatedApril 14, 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 UpdatedApril 14, 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%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 14, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 14, 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%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 14, 2026
Details
up to $15,000
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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%
101 W Elmer Rd, Vineland, NJ, 08360 6312
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
up to $15,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 60 months
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
326 Harrison Ave, Harrison, NJ, 07029 3059
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As; - 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
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 14, 2026
Details
As Low As; Max $20,000
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
9.73%
▼
APR9.73%
Last UpdatedApril 14, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 14, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 14, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
As Low As; Auto Pay
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
10.15%
▼
APR10.15%
Last UpdatedApril 14, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ, 08225
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 14, 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%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
up to $50,000; Up to 84 months
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As; Max $20,000
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As; Regular
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
10.61%
▼
APR10.61%
Last UpdatedApril 14, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 14, 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%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 14, 2026
Details
As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 14, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
11.74%
▼
APR11.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 14, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedApril 14, 2026
Details
Proceeds made directly to creditors only!
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 14, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
14.49%
▼
APR14.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
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 UpdatedApril 14, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedApril 14, 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%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
14.99%
▼
APR14.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
15.49%
▼
APR15.49%
Last UpdatedApril 14, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
16.49%
▼
APR16.49%
Last UpdatedApril 14, 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%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 14, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 14, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 14, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 14, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 14, 2026
Details
As Low As
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
5408 Delaware Ave, Ft Dix, NJ, 08640
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
13 Oak St # 17, East Orange, NJ, 07018
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 14, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 14, 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 UpdatedApril 14, 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 UpdatedApril 14, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 14, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 14, 2026
Details
As Low As; Must have over 6-months of employment.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 14, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 14, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 14, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As; Other Rates and Terms Apply.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 14, 2026
Details
As Low As
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedApril 14, 2026
Details
As Low As; Other Rates and Terms Apply.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 14, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 14, 2026
Details
As Low As
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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
11.790%
▲ 0.094 vs 7 days ago
New Jersey personal loan rates rose 0.094 points over the past 7 days to 11.790% APR.
Signature Loan — NJ Avg
11.158%
Unchanged vs 7 days ago
New Jersey signature loan rates currently average 11.158% APR.
As of Apr 14, 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 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)
- 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)
- American Heritage Federal Credit Union: 5.00% (IRA Loans)
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: April 14, 2026.
