Best Personal Loan Rates in New Jersey - July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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, Parke BankParke Bank601 Delsea Dr, Sewell, NJ, 08080A5.0 ★Texas Ratio: 6.65% offering Parke Cashback Advantage Loan at 5.00% APR, Financial Resources Federal Credit UnionFinancial Resources Federal Credit Union67 Church St, Flemington, NJ, 08822B-4.3 ★Texas Ratio: 20.45% offering Interest Only Loan at 5.00% APR, Haven Savings BankHaven Savings Bank621 Washington St, Hoboken, NJ, 07030A+5.0 ★Texas Ratio: 2.97% offering 10 Years Loan at 5.68% APR, and GARDEN SAVINGSGARDEN SAVINGS129 Littleton Rd, Parsippany, NJ, 07054 1869A+5.0 ★Texas Ratio: 8.45% offering 10 Years Loan at 5.86% APR. Personal loan rates as of July 25, 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: July 25, 2026
New Jersey Personal Loan Rates
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 UpdatedJuly 26, 2026
Details
No additional details available.
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ, 08080
Parke Cashback Advantage Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
5% on Purchases (up to $15 monthly)
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Interest Only Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ, 07030
10 Years Loan
5.68%
▼
APR5.68%
Last UpdatedJuly 26, 2026
Details
No additional details available.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
10 Years Loan
5.86%
▼
APR5.86%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
0% origination Loan
5.86%
▼
APR5.86%
Last UpdatedJuly 26, 2026
Details
As Low As; 0% origination
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
5.89%
▼
APR5.89%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ, 07093
10 Year - 120 Months Loan
5.92%
▼
APR5.92%
Last UpdatedJuly 26, 2026
Details
Fixed Rate, Owner Occupied, No Points
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
5.94%
▼
APR5.94%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
10 Years Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2026 (new) Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
10 Years Loan
6.04%
▼
APR6.04%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
6.14%
▼
APR6.14%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2023 or newer Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
Loan
6.27%
▼
APR6.27%
Last UpdatedJuly 26, 2026
Details
$10,000 - $250,000
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2026 (new) Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
2 Years Used Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
3 Years New Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
186 Brookside Ave, Irvington, NJ, 07111
Credit Score > 740 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Amount Available: 100%
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months (650 and Above) Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2023 or newer Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2026 (new) Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ, 08809
Current Wall Street Journal Prime Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Principal & Interest Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months (650 and Above) Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 650 and Above
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ, 07093
10 Year - 120 Months Loan
6.92%
▼
APR6.92%
Last UpdatedJuly 26, 2026
Details
Fixed Rate, Investment Property, No Points
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Purchase (25 Year, 75% LTV) Loan
6.96%
▼
APR6.96%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Borrow up to $5000
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2023 or newer Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As low as
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Credit$ense Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
Low Fixed Rate
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 36 months
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
4 Years New Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
3 Years Used Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2016 to 2022 Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
Loan
7.27%
▼
APR7.27%
Last UpdatedJuly 26, 2026
Details
$10,000 - $250,000
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
Closed End; Up to $10,000 maximum
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
2016 to 2022 Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As; APR*
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
186 Brookside Ave, Irvington, NJ, 07111
Credit Score 700 - 739 Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
Amount Available: 100%
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
4 Years Used Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ, 07052
5 Years New Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
48 Months Loan
7.70%
▼
APR7.70%
Last UpdatedJuly 26, 2026
Details
As Low As*
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months* (650 and Above) Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 650 and Above
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
7.95%
▼
APR7.95%
Last UpdatedJuly 26, 2026
Details
As Low As;**
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As low as; No prepayment penalties; Payment protection available
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 1 Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
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 UpdatedJuly 26, 2026
Details
Rates as low as*
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 649 - 575
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months (649 - 575) Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
60 Months Loan
8.20%
▼
APR8.20%
Last UpdatedJuly 26, 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 **
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months (649 - 575) Loan
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months Loan
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 649 - 575
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Relationship Premium Loan
8.45%
▼
APR8.45%
Last UpdatedJuly 26, 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 Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
interest rate based on credit score
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
Rates as low as*
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
10 Elizabethtown Plz Fl 3, Elizabeth, NJ, 07202 3451
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Up to $15,000.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 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 **
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
up to $15,000
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation) Loan
8.60%
▼
APR8.60%
Last UpdatedJuly 26, 2026
Details
Max $20,000; As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ.; APR = Annual Percentage Rate.; Rates subject to change at any time. Other restrictions & details may apply.
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 UpdatedJuly 26, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The maximum term is 60 months. As an example, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
72 Months Loan
8.95%
▼
APR8.95%
Last UpdatedJuly 26, 2026
Details
As Low As*
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 9.49%
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 48 months
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As; [2]
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 UpdatedJuly 26, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
up to $15,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
Rates starting at; You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
As low as
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Vacation Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Holiday Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 649 - 575
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months* (649 - 575) Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 60 months
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
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 UpdatedJuly 26, 2026
Details
Rates as low as*
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Family Event/Crisis Loan
9.44%
▼
APR9.44%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 9.99%
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured Loan
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months (574 and Below) Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Up to 48 Months Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 574 and Below
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
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 UpdatedJuly 26, 2026
Details
No additional details available.
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
Rates as low as*
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months (574 and Below) Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
60 to 72 Months Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 574 and Below
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
660 Newark Ave, Jersey City, NJ, 07306 2379
Unsecured Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Loan eligibility, rates and terms are determined by Liberty Savings Federal Credit Union and are based on the borrower's credit worthiness. Rates and terms are subject to change without notice.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as of 12/31/2025. Maximum APR on all loans is 18.00%.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
2 or more years in the District Loan
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
First Year in the District Loan
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As low as; Other Rates and Terms Apply.
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 UpdatedJuly 26, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As;*
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.49%
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.49%
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
111 Terminal Ave, Clark, NJ, 07066
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; No Prepayment Fees
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
111 Terminal Ave, Clark, NJ, 07066
Summer Loan Special
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; No Prepayment Fees
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.32%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As low as
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Flexible terms and repayment plans
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
As low as; Other Rates and Terms Apply.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Appliances & Furniture Loan
10.44%
▼
APR10.44%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.99%
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.99%
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 2 Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans Up to 24 Months
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 650 and Above
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
48 Months Loan
10.69%
▼
APR10.69%
Last UpdatedJuly 26, 2026
Details
As Low As*
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedJuly 26, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
As Low As;*
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months* (574 and Below) Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
84 Months Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Credit Report Score: 574 and Below
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Rates as low as*
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Technical Skills Loan
10.79%
▼
APR10.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Relationship Premium
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Holiday Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As; all rates based on creditworthiness
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Vacation Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
48 Months Loan
10.94%
▼
APR10.94%
Last UpdatedJuly 26, 2026
Details
As Low As*
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Powered by
MonitorBankRates
New Jersey Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 36 months
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As low as
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
Closed End; Up to $10,000 maximum
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As low as; No prepayment penalties; Payment protection 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 **
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
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 UpdatedJuly 26, 2026
Details
Rates as low as*
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
up to $15,000
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 UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Rates as low as*
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
10 Elizabethtown Plz Fl 3, Elizabeth, NJ, 07202 3451
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Up to $15,000.
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 UpdatedJuly 26, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The maximum term is 60 months. As an example, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As; [2]
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 48 months
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
up to $15,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan - 60 months
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
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 UpdatedJuly 26, 2026
Details
Rates as low as*
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
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 UpdatedJuly 26, 2026
Details
Rates as low as*
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.49%
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.32%
40 W Century Rd, Paramus, NJ, 07652 1454
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As low as
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
565 North Broadway, Deepwater, NJ, 08023
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Flexible terms and repayment plans
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 2 YEAR
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.99%
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ, 07901
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedJuly 26, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Rates as low as*
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As; all rates based on creditworthiness
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Powered by
MonitorBankRates
New Jersey Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation) Loan
8.60%
▼
APR8.60%
Last UpdatedJuly 26, 2026
Details
Max $20,000; As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ.; APR = Annual Percentage Rate.; Rates subject to change at any time. Other restrictions & details may apply.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 9.49%
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
As low as
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 9.99%
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.49%
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
APR without Direct Deposit: 10.99%
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
New Jersey Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ, 07016 2196
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as of 12/31/2025. Maximum APR on all loans is 18.00%.
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As low as; Other Rates and Terms Apply.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As;*
FIRST POINT
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
2430 HAMILTON AVE STE 2, HAMILTON, NJ, 08619
Unsecured Loans (Signature)
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
As low as; Other Rates and Terms Apply.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ, 08848 1881
Signature Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Powered by
MonitorBankRates
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
11.627%
▲ 0.031 vs 7 days ago
New Jersey personal loan rates rose 0.031 points over the past 7 days to 11.627% APR.
Signature Loan — NJ Avg
9.510%
▼ 1.383 vs 7 days ago
New Jersey signature loan rates fell 1.383 points over the past 7 days to 9.510% APR.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Jersey personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for New Jersey directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in New Jersey. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NJ.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
Most lenders in New Jersey require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Jersey often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in New Jersey require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in New Jersey?
Yes. Debt consolidation is one of the most common uses of personal loans in New Jersey. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in New Jersey?
Credit unions in New Jersey often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in New Jersey?
- TrustCo Bank: 4.00% (Passbook Loan)
- Parke Bank: 5.00% (Parke Cashback Advantage Loan)
- Financial Resources Federal Credit Union: 5.00% (Interest Only Loan)
- Haven Savings Bank: 5.68% (10 Years Loan)
- GARDEN SAVINGS: 5.86% (10 Years Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 25, 2026.
