Best Personal Loan Rates in Newark, New Jersey (NJ) - April 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 Newark, New Jersey include: Citizens BankCitizens Bank829 Sanford Ave, Newark, NJ, 07106A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Newark Firemen Federal Credit UnionNewark Firemen Federal Credit Union106 Fleming Ave, Newark, NJ, 07105 4015A5.0 ★Texas Ratio: 8.25% offering Personal Loan at 7.00% APR, TD BankTD Bank356 Springfield Ave, Newark, NJ, 07103A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, GARDEN SAVINGSGARDEN SAVINGS120 Ferry St, Newark, NJ, 07105A+5.0 ★Texas Ratio: 0.00% offering Holiday Loan at 9.25% APR, and Federal Employees Newark Federal Credit UnionFederal Employees Newark Federal Credit Union970 Broad St, Newark, NJ, 07102 2534A+5.0 ★Texas Ratio: 0.46% offering Preferred Customer Unsecured Loans at 9.95% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Newark has 10 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 829 Sanford Ave, Newark, NJ, 07106. 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 Newark, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Newark, 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
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
829 Sanford Ave, Newark, NJ, 07106
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 10, 2026
Details
Fixed rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
829 Sanford Ave, Newark, NJ, 07106
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 10, 2026
Details
Variable rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
829 Sanford Ave, Newark, NJ, 07106
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedApril 10, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
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 10, 2026
Details
As Low As
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
356 Springfield Ave, Newark, NJ, 07103
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 Ferry St, Newark, NJ, 07105
Holiday Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 Ferry St, Newark, NJ, 07105
Vacation Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 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 10, 2026
Details
Maximum Loan Amount $5,000
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
829 Sanford Ave, Newark, NJ, 07106
Medical Residency Refinance Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
Fixed rates
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
106 Fleming Ave, Newark, NJ, 07105
Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
829 Sanford Ave, Newark, NJ, 07106
Medical Residency Refinance Loan
10.31%
▼
APR10.31%
Last UpdatedApril 10, 2026
Details
Variable rates
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 Ferry St, Newark, NJ, 07105
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
United Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
195 Norman Rd, Newark, NJ, 07106
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 10, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
19 Fenwick St, Newark, NJ, 07114
New Member Loan
14.00%
▼
APR14.00%
Last UpdatedApril 10, 2026
Details
within the first 30 days of joining.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
217 Chestnut St, Newark, NJ, 07105
Personal Unsecured
14.50%
▼
APR14.50%
Last UpdatedApril 10, 2026
Details
APR1 with Auto Deduct
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
217 Chestnut St, Newark, NJ, 07105
Personal Unsecured
15.00%
▼
APR15.00%
Last UpdatedApril 10, 2026
Details
APR1 without Auto Deduct
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
970 Broad St, Newark, NJ, 07102 2534
Unsecured Loans
16.00%
▼
APR16.00%
Last UpdatedApril 10, 2026
Details
Maximum Loan Amount $5,000
APR4.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 10, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 10, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 10, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Pledge Loan
4.99%
▼
APR4.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
IRA Loans
5.00%
▼
APR5.00%
Last UpdatedApril 10, 2026
Details
As Low As; To Fund an IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Share Loans
5.00%
▼
APR5.00%
Last UpdatedApril 10, 2026
Details
As Low As; Up to 10 Years
APR5.91%
Last UpdatedApril 10, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR6.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Vacation Loan
6.49%
▼
APR6.49%
Last UpdatedApril 10, 2026
Details
Up to $3,000; plus $50 fee
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.50%
▼
APR6.50%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 650 and Above
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 10, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedApril 10, 2026
Details
Based on individual applications, for unsecured loans.
APR6.51%
Last UpdatedApril 10, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
APR6.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.75%
▼
APR6.75%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 650 and Above
APR6.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedApril 10, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
With 12 months terms ($3000.00 max)
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation loan
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As; Borrow up to $5000
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 10, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $2,500
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR7.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR7.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Lifestyle Loans
7.24%
▼
APR7.24%
Last UpdatedApril 10, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
2026*
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
As Low As; Loan amount $10,000 - $400,000
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedApril 10, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $10,000 maximum
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 10, 2026
Details
As Low As
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 10, 2026
Details
Based on individual applications, for unsecured loans.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedApril 10, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
7.75%
▼
APR7.75%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 650 and Above
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 10, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
7.75%
▼
APR7.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedApril 10, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
up to $15,000
APR8.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 10, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
2022 - 2025
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 649 - 575
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
up to $50,000; Up to 36 months
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 10, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.25%
▼
APR8.25%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 649 - 575
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedApril 10, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedApril 10, 2026
Details
interest rate based on credit score
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
2026*
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 10, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 10, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
up to $15,000
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 10, 2026
Details
Maximum total not to exceed $25,000
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
UNSECURED LOAN
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
Available between 2/27/26 and 4/15/26
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
up to $50,000; Up to 60 months
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As; Must have over 6-months of employment.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As; Borrow up to $15,000 for four years. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
up to $15,000
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As; - based on credit score
APR9.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
2019 - 2021
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 649 - 575
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Unsecured
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 574 and Below
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 10, 2026
Details
2022 - 2025
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 10, 2026
Details
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.
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.73%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 10, 2026
Details
As Low As
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
Stock Loan
9.74%
▼
APR9.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
Credit Report Score: 574 and Below
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As Low As
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Fun Loan
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As; Borrow up to $1,500 Rates as low as 9.99% 12 Month Repayment No Prepayment Fees *If you already have a loan and are a member in good standing, you are automatically APPROVED!*
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
Stock Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR10.15%
Last UpdatedApril 10, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 10, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
As Low As; Fixed payments and no pre-payment penalties.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 10, 2026
Details
Maximum total not to exceed $25,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
2026*
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 10, 2026
Details
As Low As
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
356 Springfield Ave, Newark, NJ, 07103
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 Ferry St, Newark, NJ, 07105
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
United Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
195 Norman Rd, Newark, NJ, 07106
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
186 W Market St, Newark, NJ, 07103
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 10, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Shares Pledged Personal Loan
4.00%
▼
APR4.00%
Last UpdatedApril 10, 2026
Details
As Low As
APR6.90%
Last UpdatedApril 10, 2026
Details
No additional details available.
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $2,500
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $10,000 maximum
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
up to $15,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
up to $50,000; Up to 36 months
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 10, 2026
Details
up to $15,000
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 10, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
Available between 2/27/26 and 4/15/26
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As; - based on credit score
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
up to $15,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
up to $50,000; Up to 60 months
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 10, 2026
Details
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.
APR9.73%
Last UpdatedApril 10, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 10, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR9.75%
Last UpdatedApril 10, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
As Low As
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
APR10.15%
Last UpdatedApril 10, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedApril 10, 2026
Details
As Low As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
As Low As; Fixed payments and no pre-payment penalties.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 Ferry St, Newark, NJ, 07105
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 10, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 10, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
11.74%
▼
APR11.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 10, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
Proceeds made directly to creditors only!
Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Debt Consolidation Loan
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
14.49%
▼
APR14.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 10, 2026
Details
As Low As
APR14.50%
Last UpdatedApril 10, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedApril 10, 2026
Details
Up to 48 month term. Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
14.99%
▼
APR14.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
15.49%
▼
APR15.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation
16.49%
▼
APR16.49%
Last UpdatedApril 10, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 10, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 10, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 10, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 10, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
7.75%
▼
APR7.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 10, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
Fort Dix Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 10, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedApril 10, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedApril 10, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 10, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 10, 2026
Details
As Low As; Must have over 6-months of employment.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 10, 2026
Details
No additional details available.
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Signature Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 10, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Newark, NJ currently.
Newark, NJ Personal Loan Rate Trends
Compare local Newark, NJ personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NJ Avg
10.748%
▲ 0.259 vs 7 days ago
New Jersey personal loan rates rose 0.259 points over the past 7 days to 10.748% APR.
Signature Loan — NJ Avg
10.676%
▼ 0.490 vs 7 days ago
New Jersey signature loan rates fell 0.490 points over the past 7 days to 10.676% APR.
As of Apr 10, 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 Newark, 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 Newark, 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 Newark, 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 Newark, New Jersey?
Credit unions in Newark, 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 Newark, New Jersey?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Newark Firemen Federal Credit Union: 7.00% (Personal Loan)
- TD Bank: 7.99% (Personal Loan)
- GARDEN SAVINGS: 9.25% (Holiday Loan)
- Federal Employees Newark Federal Credit Union: 9.95% (Preferred Customer Unsecured Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Newark, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 8, 2026.
Personal Loan Calculators
Rate Assistant
MonitorBankRates.com · Live Data
Try asking