New Jersey Personal Loan Rate Trends
Track current and weekly average personal loan rates in New Jersey, view interactive rate trend charts, and compare local NJ aprs against the national average.
Current New Jersey Personal Loan Rate Trends
Personal Loan rates in New Jersey fell 0.031 this week to 10.423%, down from 10.454% last week.
At 10.423%, New Jersey’s average sits 0.621 below the current national average of 11.044%. NJ borrowers may have a competitive advantage relative to the national market.
The New Jersey personal loan rate averages on this page are calculated from 281 verified personal loan rate quotes collected across 90 banks and credit unions actively operating in New Jersey. Our proprietary systems collect and verify rates daily, tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
New Jersey Personal Loan Rate Trends Chart
Daily average rates since April 13, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
New Jersey personal loan rate averages compiled from 281 current rate quotes across 90 banks and credit unions operating in NJ, updated daily.
As of Oct 14, 2026 • Data provided by MonitorBankRates.com
Historical Personal Loan Rate Trends in New Jersey
Quarterly average personal loan rates at credit unions headquartered in New Jersey, 1994 to present. Different methodology from the daily chart above, this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in New Jersey (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994 to present.
Quarterly weighted averages calculated from credit union rate filings, weighted by personal loan portfolio balance.
