Best Personal Loan Rates in New Jersey - June 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: Local 1233 Federal Credit UnionLocal 1233 Federal Credit Union19 Fenwick St, Newark, NJ, 07114A+5.0 ★Texas Ratio: 1.42% offering C Loan at 3.99% APR, TrustCo BankTrustCo Bank385 N Franklin Tpke, Ramsey, NJ, 07446A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Mercer County Nj Teachers Federal Credit UnionMercer County Nj Teachers Federal Credit Union2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690A5.0 ★Texas Ratio: 6.78% offering Pre-Owned Loan at 4.64% APR, and Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union477 Jeremiah Ave, Trenton, NJ, 08610A+5.0 ★Texas Ratio: 2.08% offering Up to 48 Months Loan at 4.89% APR. Personal loan rates as of June 23, 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 3.99% APR from Local 1233 Federal Credit Union at 19 Fenwick St, Newark, NJ, 07114. 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: June 23, 2026
New Jersey Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
C Loan
3.99%
▼
APR3.99%
Last UpdatedJune 23, 2026
Details
Credit Score: 550 - 649
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 UpdatedJune 23, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 23, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedJune 23, 2026
Details
As Low As
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
4.64%
▼
APR4.64%
Last UpdatedJune 23, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedJune 23, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Up to 48 Months Loan
4.89%
▼
APR4.89%
Last UpdatedJune 23, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
49 to 66 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJune 23, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ, 08012 1497
Signature Loans
4.99%
▼
APR4.99%
Last UpdatedJune 23, 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
Lease Buyout Loan
4.99%
▼
APR4.99%
Last UpdatedJune 23, 2026
Details
As Low As
Local 1233 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
19 Fenwick St, Newark, NJ, 07114
D Loan
4.99%
▼
APR4.99%
Last UpdatedJune 23, 2026
Details
Credit Score: Below 550
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
2271 Highway 33 Ste 108, Hamilton Square, NJ, 08690
Pre-Owned Loan
5.14%
▼
APR5.14%
Last UpdatedJune 23, 2026
Details
As Low As; *
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
67 to 75 Months Loan
5.19%
▼
APR5.19%
Last UpdatedJune 23, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
10 Year Loan
5.25%
▼
APR5.25%
Last UpdatedJune 23, 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
Up to 48 Months Loan
5.54%
▼
APR5.54%
Last UpdatedJune 23, 2026
Details
As Low As; Finance up to 110% of the vehicle value
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
76 to 84 Months Loan
5.59%
▼
APR5.59%
Last UpdatedJune 23, 2026
Details
As Low As
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 UpdatedJune 23, 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
49 to 66 Months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 23, 2026
Details
As Low As; Finance up to 110% of the vehicle value
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ, 07093
10 Year - 120 Months Loan
5.79%
▼
APR5.79%
Last UpdatedJune 23, 2026
Details
Fixed Rate, Owner Occupied, No Points
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 UpdatedJune 23, 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
5.89%
▼
APR5.89%
Last UpdatedJune 23, 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
Relationship Premium Loan
5.94%
▼
APR5.94%
Last UpdatedJune 23, 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
2026 (new) Loan
5.99%
▼
APR5.99%
Last UpdatedJune 23, 2026
Details
APR* as low as
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 UpdatedJune 23, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
67 to 75 Months Loan
6.14%
▼
APR6.14%
Last UpdatedJune 23, 2026
Details
As Low As; Finance up to 110% of the vehicle value
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ, 08098
Loan
6.27%
▼
APR6.27%
Last UpdatedJune 23, 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 UpdatedJune 23, 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
2026 (new) Loan
6.49%
▼
APR6.49%
Last UpdatedJune 23, 2026
Details
APR* as low as
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
186 Brookside Ave, Irvington, NJ, 07111
Credit Score: More than 740 Loan
6.50%
▼
APR6.50%
Last UpdatedJune 23, 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
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedJune 23, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 650 and Above - Up to 24 Months
6.50%
▼
APR6.50%
Last UpdatedJune 23, 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
Unsecured Loans Up to 24 Months
6.50%
▼
APR6.50%
Last UpdatedJune 23, 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 UpdatedJune 23, 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
6.74%
▼
APR6.74%
Last UpdatedJune 23, 2026
Details
APR* as low as
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 UpdatedJune 23, 2026
Details
No additional details available.
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ, 07093
10 Year - 120 Months Loan
6.79%
▼
APR6.79%
Last UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
Non-Owner Occupied/Investment Property
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
($3000.00 max)
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
67 Church St, Flemington, NJ, 08822
Credit$ense Loan
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
Low Fixed Rate
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
As Low As
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 UpdatedJune 23, 2026
Details
Borrow up to $5000
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
95 Woodstown Rd, Swedesboro, NJ, 08085
Collateralized Loans - Backed by property, other than Real Estate
7.00%
▼
APR7.00%
Last UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
72 Months Loan
7.25%
▼
APR7.25%
Last UpdatedJune 23, 2026
Details
Credit Report Score: 650 and Above
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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
Closed End
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 UpdatedJune 23, 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
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedJune 23, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 650 and Above - 36 Months
7.50%
▼
APR7.50%
Last UpdatedJune 23, 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
Unsecured Loans 36 Months
7.50%
▼
APR7.50%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No prepayment penalties; Payment protection 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 UpdatedJune 23, 2026
Details
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
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 UpdatedJune 23, 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 **
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
up to $15,000
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
Rates as low as*
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans Up to 24 Months
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 649 - 575 - Up to 24 Months
8.00%
▼
APR8.00%
Last UpdatedJune 23, 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
72 Months Loan
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
Credit Report Score: 650 and Above
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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
up to $15,000
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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
Rates as low as*
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans 48 Months
8.50%
▼
APR8.50%
Last UpdatedJune 23, 2026
Details
No additional details available.
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 UpdatedJune 23, 2026
Details
Up to $15,000. As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 650 and Above - 48 Months
8.50%
▼
APR8.50%
Last UpdatedJune 23, 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
72 Months Loan
8.50%
▼
APR8.50%
Last UpdatedJune 23, 2026
Details
Credit Report Score: 649 - 575
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 UpdatedJune 23, 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.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedJune 23, 2026
Details
As Low As; Up to $15,000â€
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedJune 23, 2026
Details
As Low As; Up to $15,000â€
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 UpdatedJune 23, 2026
Details
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
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 UpdatedJune 23, 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 **
8.75%
▼
APR8.75%
Last UpdatedJune 23, 2026
Details
up to $15,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedJune 23, 2026
Details
As Low As; RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.
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 UpdatedJune 23, 2026
Details
As Low As*
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
UNSECURED LOAN
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
With credit score of 750 and above. Max of $25,000.00.
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
101 W Elmer Rd, Vineland, NJ, 08360 6312
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
As Low As; Call today.
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 UpdatedJune 23, 2026
Details
As Low As; Maximum Loan Amount: 35000
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 UpdatedJune 23, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
Maximum total not to exceed $25,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
As Low As
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Unsecured Loans Up to 36 Months
9.00%
▼
APR9.00%
Last UpdatedJune 23, 2026
Details
Grade: A+
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 UpdatedJune 23, 2026
Details
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 UpdatedJune 23, 2026
Details
As low as
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal LOC Loan
9.00%
▼
APR9.00%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans 36 Months
9.00%
▼
APR9.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 649 - 575 - 36 Months
9.00%
▼
APR9.00%
Last UpdatedJune 23, 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
60 Months Loan
9.00%
▼
APR9.00%
Last UpdatedJune 23, 2026
Details
Credit Report Score: 650 and Above
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details available.
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 UpdatedJune 23, 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
9.25%
▼
APR9.25%
Last UpdatedJune 23, 2026
Details
Rates as low as*
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedJune 23, 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
Family Event/Crisis Loan
9.44%
▼
APR9.44%
Last UpdatedJune 23, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured 13-36 months Loan
9.49%
▼
APR9.49%
Last UpdatedJune 23, 2026
Details
As Low As; Unsecured Loan
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured 12 months Loan
9.49%
▼
APR9.49%
Last UpdatedJune 23, 2026
Details
As Low As; Unsecured Loan
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 UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
72 Months Loan
9.50%
▼
APR9.50%
Last UpdatedJune 23, 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
Unsecured Loans - 574 and Below - Up to 24 Months
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
Credit Report Score: 574 and Below
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 650 and Above - 60 Months
9.50%
▼
APR9.50%
Last UpdatedJune 23, 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
Unsecured Loans 60 Months
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans Up to 24 Months
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Unsecured Loans Up to 60 Months
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
Grade: A+
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 UpdatedJune 23, 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
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJune 23, 2026
Details
As Low As
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ, 07940
Loan
9.74%
▼
APR9.74%
Last UpdatedJune 23, 2026
Details
Rates from 9.74% - 18.00%
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 UpdatedJune 23, 2026
Details
APR* 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 UpdatedJune 23, 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
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedJune 23, 2026
Details
APR* as low as
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJune 23, 2026
Details
Rates as low as*
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 UpdatedJune 23, 2026
Details
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.
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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details available.
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
970 Broad St, Newark, NJ, 07102 2534
Preferred Customer Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
$20,000 Maximum
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
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 UpdatedJune 23, 2026
Details
As Low As; Hate your rates? Consolidate with a Personal Loan!
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 UpdatedJune 23, 2026
Details
No additional details available.
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 UpdatedJune 23, 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
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
As Low As;*
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ, 07844
Life Happens Loan
9.99%
▼
APR9.99%
Last UpdatedJune 23, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Unsecured Loans - 649 - 575 - 48 Months
10.00%
▼
APR10.00%
Last UpdatedJune 23, 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
Unsecured Loans 48 Months
10.00%
▼
APR10.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
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 UpdatedJune 23, 2026
Details
No additional details available.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Unsecured Loans Up to 36 Months
10.00%
▼
APR10.00%
Last UpdatedJune 23, 2026
Details
Grade: A
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJune 23, 2026
Details
Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Fixed payments and no pre-payment penalties.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans*
10.24%
▼
APR10.24%
Last UpdatedJune 23, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJune 23, 2026
Details
Maximum total not to exceed $25,000
Powered by
MonitorBankRates
New Jersey Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ, 08610
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedJune 23, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
Closed End
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 UpdatedJune 23, 2026
Details
No prepayment penalties; Payment protection available
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJune 23, 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 **
8.00%
▼
APR8.00%
Last UpdatedJune 23, 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
8.00%
▼
APR8.00%
Last UpdatedJune 23, 2026
Details
Rates as low as*
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 UpdatedJune 23, 2026
Details
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
10 Elizabethtown Plz Fl 3, Elizabeth, NJ, 07202 3451
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJune 23, 2026
Details
Up to $15,000. As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJune 23, 2026
Details
Rates as low as*
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedJune 23, 2026
Details
up to $15,000
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedJune 23, 2026
Details
As Low As; Up to $15,000â€
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 UpdatedJune 23, 2026
Details
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
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 UpdatedJune 23, 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 **
8.75%
▼
APR8.75%
Last UpdatedJune 23, 2026
Details
up to $15,000
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
101 W Elmer Rd, Vineland, NJ, 08360 6312
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
Maximum total not to exceed $25,000
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 23, 2026
Details
With credit score of 750 and above. Max of $25,000.00.
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 UpdatedJune 23, 2026
Details
As Low As; Call today.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ, 08016
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
As Low As; Maximum Loan Amount: 35000
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 UpdatedJune 23, 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 UpdatedJune 23, 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
9.25%
▼
APR9.25%
Last UpdatedJune 23, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedJune 23, 2026
Details
Rates as low as*
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedJune 23, 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
9.50%
▼
APR9.50%
Last UpdatedJune 23, 2026
Details
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJune 23, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJune 23, 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 Loans
9.75%
▼
APR9.75%
Last UpdatedJune 23, 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
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedJune 23, 2026
Details
APR* 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 UpdatedJune 23, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
$20,000 Maximum
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
As Low As; Hate your rates? Consolidate with a Personal Loan!
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 UpdatedJune 23, 2026
Details
As low as
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 UpdatedJune 23, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ, 08330 2260
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedJune 23, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJune 23, 2026
Details
Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Fixed payments and no pre-payment penalties.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJune 23, 2026
Details
Maximum total not to exceed $25,000
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 UpdatedJune 23, 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.
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedJune 23, 2026
Details
As Low As; RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.
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 UpdatedJune 23, 2026
Details
No additional details available.
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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
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 UpdatedJune 23, 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
Debt Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedJune 23, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
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 UpdatedJune 23, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
11.74%
▼
APR11.74%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedJune 23, 2026
Details
UP TO $30,000.00, A and A+ paper only
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 UpdatedJune 23, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
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 UpdatedJune 23, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedJune 23, 2026
Details
Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
15.49%
▼
APR15.49%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
16.49%
▼
APR16.49%
Last UpdatedJune 23, 2026
Details
total not to exceed $40,000
Powered by
MonitorBankRates
New Jersey Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ, 08012 1497
Signature Loans
4.99%
▼
APR4.99%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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
8.00%
▼
APR8.00%
Last UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 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 UpdatedJune 23, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
$20,000 Maximum
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedJune 23, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
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 UpdatedJune 23, 2026
Details
As Low As;*
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
391 US Highway 9, Freehold, NJ, 07728 8562
Signature Loans*
10.24%
▼
APR10.24%
Last UpdatedJune 23, 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
11.399%
Unchanged vs 7 days ago
New Jersey personal loan rates currently average 11.399% APR.
Signature Loan — NJ Avg
10.104%
Unchanged vs 7 days ago
New Jersey signature loan rates currently average 10.104% APR.
As of Jun 23, 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?
- Local 1233 Federal Credit Union: 3.99% (C Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Mercer County Nj Teachers Federal Credit Union: 4.64% (Pre-Owned Loan)
- Self Reliance NY Federal Credit Union: 4.89% (Up to 48 Months 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: June 23, 2026.
