Best Personal Loan Rates in Milford, New Jersey (NJ) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Milford, New Jersey include: 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, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Police And Fire Federal Credit UnionPolice And Fire Federal Credit UnionA+5.0 ★Texas Ratio: 0.62% offering Pledge Loan at 4.99% APR, and American Heritage Federal Credit UnionAmerican Heritage Federal Credit UnionA5.0 ★Texas Ratio: 9.69% offering IRA Loans at 5.00% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Milford has 1 local institution in our database, with personal loan rates as low as 4.00% APR from Riegel Federal Credit Union at 515 Milford Warren Glen Rd, Milford, NJ, 08848 1881. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Milford, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Milford, 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 8, 2026
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As Low As; To Fund an IRA
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Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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Up to $3,000; plus $50 fee
Based on individual applications, for unsecured loans.
Credit Report Score: 650 and Above
As Low As; Rates as low as 5.625% (6.508% APR)
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Credit Report Score: 650 and Above
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With 12 months terms ($3000.00 max)
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2026*
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Based on individual applications, for unsecured loans.
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Credit Report Score: 650 and Above
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As Low As; Approval based on credit worthiness. Membership eligibility required.
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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up to $15,000
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2022 - 2025
Credit Report Score: 649 - 575
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Credit Report Score: 649 - 575
up to $15,000
No additional details available.
interest rate based on credit score
interest rate based on credit score
As Low As; Up to $15,000. Up to 5 year financing.
up to $15,000
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2026*
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up to $15,000
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With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Maximum total not to exceed $25,000
Available between 2/27/26 and 4/15/26
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up to $15,000
As Low As; Must have over 6-months of employment.
As Low As; Borrow up to $15,000 for four years. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
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2019 - 2021
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Credit Report Score: 649 - 575
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2022 - 2025
As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ. Rates include 0.25% reduction for automatic payments made from your Motion account. These rates are advertised as low as.
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Credit Report Score: 574 and Below
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Credit Report Score: 574 and Below
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Maximum Loan Amount $5,000
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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!*
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Fixed rates
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Maximum total not to exceed $25,000
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2026*
Variable rates
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Up to $15,000
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2019 - 2021
As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ. Rates include 0.25% reduction for automatic payments made from your Motion account. These rates are advertised as low as.
Credit Report Score: 650 and Above
Credit Report Score: 650 and Above
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Up to $15,000â€
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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up to $15,000
up to $15,000
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up to $15,000
As Low As; Up to $15,000. Up to 5 year financing.
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up to $15,000
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
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Available between 2/27/26 and 4/15/26
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As Low As; - based on credit score
up to $15,000
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As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ. Rates include 0.25% reduction for automatic payments made from your Motion account. These rates are advertised as low as.
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As Low As; Fixed payments and no pre-payment penalties.
Up to $15,000
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As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ. Rates include 0.25% reduction for automatic payments made from your Motion account. These rates are advertised as low as.
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Proceeds made directly to creditors only!
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Up to 48 month term. Max of $20,000.00
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As Low As; Approval based on credit worthiness. Membership eligibility required.
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interest rate based on credit score
interest rate based on credit score
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As Low As; Must have over 6-months of employment.
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Milford, NJ Personal Loan Rate Trends
Compare local Milford, NJ personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey personal loan rates fell 1.442 points over the past 7 days to 10.754% APR.
New Jersey signature loan rates fell 0.179 points over the past 7 days to 10.676% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New Jersey?
Are credit unions or banks better for personal loans in Milford, New Jersey?
What are the best personal loan rates in Milford, New Jersey?
- Riegel Federal Credit Union: 4.00% (Shares Pledged Personal Loan)
- TrustCo Bank: 4.00% (Passbook 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 Calculators
