Best Personal Loan Rates in New Jersey (NJ) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to New Jersey borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in New Jersey include: TrustCo BankTrustCo Bank385 N Franklin Tpke, Ramsey, NJ, 07446A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ, 07417 1815A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, XCEL Federal Credit UnionXCEL Federal Credit Union1460 Broad St, Bloomfield, NJ, 07003A+5.0 ★Texas Ratio: 4.55% offering Loan at 4.99% APR, Police And Fire Federal Credit UnionPolice And Fire Federal Credit Union5901 Route 42, Turnersville, NJ, 08012 1497A+5.0 ★Texas Ratio: 0.62% offering Pledge Loan at 4.99% APR, and American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402A5.0 ★Texas Ratio: 9.69% offering IRA Loans at 5.00% APR. Personal loan rates as of April 4, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in New Jersey can save you significantly over the life of your loan.
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: April 4, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ, 07446
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedApril 4, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedApril 4, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
4.99%
▼
APR4.99%
Last UpdatedApril 4, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ, 08012 1497
Pledge Loan
4.99%
▼
APR4.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
IRA Loans
5.00%
▼
APR5.00%
Last UpdatedApril 4, 2026
Details
As Low As; To Fund an IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Share Loans
5.00%
▼
APR5.00%
Last UpdatedApril 4, 2026
Details
As Low As; Up to 10 Years
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
5.14%
▼
APR5.14%
Last UpdatedApril 4, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ, 08043
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 4, 2026
Details
Fixed rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ, 08043
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 4, 2026
Details
Variable rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ, 08043
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedApril 4, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
5.74%
▼
APR5.74%
Last UpdatedApril 4, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
5.75%
▼
APR5.75%
Last UpdatedApril 4, 2026
Details
?80% LTV
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
VA Loan
5.91%
▼
APR5.91%
Last UpdatedApril 4, 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
Pledged Shares Loan
6.00%
▼
APR6.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
6.00%
▼
APR6.00%
Last UpdatedApril 4, 2026
Details
?80% LTV
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
6.14%
▼
APR6.14%
Last UpdatedApril 4, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 4, 2026
Details
No additional details available.
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
5 Year Loan
6.24%
▼
APR6.24%
Last UpdatedApril 4, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
6.25%
▼
APR6.25%
Last UpdatedApril 4, 2026
Details
?90% LTV
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ, 08861
Vacation Loan
6.49%
▼
APR6.49%
Last UpdatedApril 4, 2026
Details
Up to $3,000; plus $50 fee
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
6.50%
▼
APR6.50%
Last UpdatedApril 4, 2026
Details
?100% LTV
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
6.50%
▼
APR6.50%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 650 and Above
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedApril 4, 2026
Details
Based on individual applications, for unsecured loans.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 4, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
FHA Loan
6.51%
▼
APR6.51%
Last UpdatedApril 4, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
10 Year Loan
6.74%
▼
APR6.74%
Last UpdatedApril 4, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
6.75%
▼
APR6.75%
Last UpdatedApril 4, 2026
Details
?100% LTV
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
6.75%
▼
APR6.75%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 650 and Above
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedApril 4, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedApril 4, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
With 12 months terms ($3000.00 max)
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Vacation loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As; Borrow up to $5000
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
175 Park Ave, Madison, NJ, 07940
Equity Loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ, 08085
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
As Low As
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 4, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
LTV ?100%
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
As Low As; Up to $2,500
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
1301 Parkway Ave, Ewing, NJ, 08628
Lifestyle Loans
7.24%
▼
APR7.24%
Last UpdatedApril 4, 2026
Details
As Low As
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
10 Year Loan
7.24%
▼
APR7.24%
Last UpdatedApril 4, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ, 08003
Pool Loan
7.25%
▼
APR7.25%
Last UpdatedApril 4, 2026
Details
?100% LTV
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
7.25%
▼
APR7.25%
Last UpdatedApril 4, 2026
Details
2026*
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 4, 2026
Details
As Low As; Loan amount $10,000 - $400,000
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedApril 4, 2026
Details
As Low As
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
5 Year Loan
7.49%
▼
APR7.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
186 Brookside Ave, Irvington, NJ, 07111
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 4, 2026
Details
Based on individual applications, for unsecured loans.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 4, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
7.69%
▼
APR7.69%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Unspecified Loan
7.69%
▼
APR7.69%
Last UpdatedApril 4, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
7.75%
▼
APR7.75%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 650 and Above
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
7.75%
▼
APR7.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 4, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedApril 4, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
13 Oak St # 17, East Orange, NJ, 07018
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ, 08302
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 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
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
up to $15,000
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 4, 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 Loan
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
2022 - 2025
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 649 - 575
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ, 08098
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
up to $50,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
8.19%
▼
APR8.19%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Unspecified Loan
8.19%
▼
APR8.19%
Last UpdatedApril 4, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
8.25%
▼
APR8.25%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 649 - 575
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
171 Broad St, Red Bank, NJ, 07701 2057
Signature
8.49%
▼
APR8.49%
Last UpdatedApril 4, 2026
Details
interest rate based on credit score
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 UpdatedApril 4, 2026
Details
interest rate based on credit score
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 UpdatedApril 4, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
8.50%
▼
APR8.50%
Last UpdatedApril 4, 2026
Details
2026*
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 UpdatedApril 4, 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 **
8.50%
▼
APR8.50%
Last UpdatedApril 4, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 4, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Unspecified Loan
8.69%
▼
APR8.69%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
8.69%
▼
APR8.69%
Last UpdatedApril 4, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedApril 4, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 4, 2026
Details
As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
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 UpdatedApril 4, 2026
Details
up to $15,000
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 4, 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%
389 Washington Rd, Sayreville, NJ, 08872 1990
UNSECURED LOAN
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
Available between 2/27/26 and 4/15/26
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Personal
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
Maximum total not to exceed $25,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Lansdowne Rd, Joint Base MDL, NJ, 08733 5021
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 4, 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%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
up to $15,000
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ, 07095
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
As Low As; Must have over 6-months of employment.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
326 Harrison Ave, Harrison, NJ, 07029 3059
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
As Low As; - based on credit score
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
2019 - 2021
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
up to $50,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
9.19%
▼
APR9.19%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Unspecified Loan
9.19%
▼
APR9.19%
Last UpdatedApril 4, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 649 - 575
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Vacation Loan
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
As Low As
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Holiday Loan
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 4, 2026
Details
As Low As
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ, 08540 5971
Unsecured
9.49%
▼
APR9.49%
Last UpdatedApril 4, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 574 and Below
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
Used Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedApril 4, 2026
Details
2022 - 2025
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 4, 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%
1 Campus Dr, Parsippany, NJ, 07054 4404
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedApril 4, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Loan
9.69%
▼
APR9.69%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Unspecified Loan
9.69%
▼
APR9.69%
Last UpdatedApril 4, 2026
Details
As Low As
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
9.73%
▼
APR9.73%
Last UpdatedApril 4, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 4, 2026
Details
As Low As
Garden State Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
144 W ROUTE 38, MOORESTOWN, NJ, 08057 3223
Stock Loan
9.74%
▼
APR9.74%
Last UpdatedApril 4, 2026
Details
No additional details available.
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
494 Route 38 E, Maple Shade, NJ, 08052 2036
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal/ Unsecured Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ, 08088 8640
New Certificate of Origin Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
Credit Report Score: 574 and Below
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
91 Fieldcrest Ave, Edison, NJ, 08837
Fun Loan
9.90%
▼
APR9.90%
Last UpdatedApril 4, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 4, 2026
Details
As low as
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 4, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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 UpdatedApril 4, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 4, 2026
Details
No additional details available.
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 4, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 4, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ, 08043
Medical Residency Refinance Loan
9.99%
▼
APR9.99%
Last UpdatedApril 4, 2026
Details
Fixed rates
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 UpdatedApril 4, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedApril 4, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ, 08610
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Unsecured Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
As Low As; Up to $2,500
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 4, 2026
Details
As Low As
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
106 New Jersey Ave, Absecon, NJ, 08201
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ, 08608 1800
Personal Loan Closed End
7.49%
▼
APR7.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ, 07724 2210
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
As Low As
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ, 08302
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ, 08302
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
up to $50,000
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ, 08094
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
up to $15,000
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ, 08835 1801
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
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 UpdatedApril 4, 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 **
8.50%
▼
APR8.50%
Last UpdatedApril 4, 2026
Details
up to $15,000
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ, 08872 1442
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 4, 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 **
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ, 08002 2057
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
391 US Highway 9, Freehold, NJ, 07728 8562
Tax Time Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 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%
389 Washington Rd, Sayreville, NJ, 08872 1990
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
392 Main St, Hackensack, NJ, 07601 5805
Personal Loans Unsecured
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
up to $50,000
H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
PERSONAL LOANS 1 YEAR
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
No additional details available.
HARRISON POLICE and FIREMENS
Institution Rating:
A-5.0 ★Texas Ratio: 14.72%
326 Harrison Ave, Harrison, NJ, 07029 3059
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
As Low As; - based on credit score
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 UpdatedApril 4, 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
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
654 Shiloh Pike, Bridgeton, NJ, 08302
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 4, 2026
Details
As Low As
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ, 07036
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 4, 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.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
Personal Loans
9.73%
▼
APR9.73%
Last UpdatedApril 4, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 4, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
774 Alexander Rd, Princeton, NJ, 08540 6305
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
494 Route 38 E, Maple Shade, NJ, 08052 2036
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedApril 4, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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 UpdatedApril 4, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 4, 2026
Details
No additional details available.
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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: 4.79%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation)
8.60%
▼
APR8.60%
Last UpdatedApril 4, 2026
Details
As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedApril 4, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
11.74%
▼
APR11.74%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedApril 4, 2026
Details
Proceeds made directly to creditors only!
Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
73 Mountainview Blvd, Basking Ridge, NJ, 07920 3849
Debt Consolidation Loan
13.50%
▼
APR13.50%
Last UpdatedApril 4, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
14.49%
▼
APR14.49%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 4, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ, 07068
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 4, 2026
Details
As Low As
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 UpdatedApril 4, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
14.99%
▼
APR14.99%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedApril 4, 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%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
15.49%
▼
APR15.49%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation
16.49%
▼
APR16.49%
Last UpdatedApril 4, 2026
Details
total not to exceed $40,000
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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%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
6.50%
▼
APR6.50%
Last UpdatedApril 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 4, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 4, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 4, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
7.75%
▼
APR7.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 4, 2026
Details
As Low As; Approval based on credit worthiness. Membership eligibility required.
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
13 Oak St # 17, East Orange, NJ, 07018
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 4, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 4, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 4, 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
8.49%
▼
APR8.49%
Last UpdatedApril 4, 2026
Details
interest rate based on credit score
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 UpdatedApril 4, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
23 North Ave E, Cranford, NJ, 07016 2196
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 4, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 4, 2026
Details
As Low As
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ, 08901 1588
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 4, 2026
Details
As Low As; Must have over 6-months of employment.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ, 08016
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 4, 2026
Details
No additional details available.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ, 07018 1023
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 4, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ, 07974
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 4, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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 UpdatedApril 4, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
39 Brunswick Woods Dr, East Brunswick, NJ, 08816 5601
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedApril 4, 2026
Details
No additional details available.
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ, 07054
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 4, 2026
Details
As Low As
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No home improvement personal loan rates found in New Jersey currently.
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
Most lenders in New Jersey require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Jersey often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in New Jersey require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in New Jersey?
Yes. Debt consolidation is one of the most common uses of personal loans in New Jersey. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in New Jersey?
Credit unions in New Jersey often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in New Jersey?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- XCEL Federal Credit Union: 4.99% (Loan)
- Police And Fire Federal Credit Union: 4.99% (Pledge Loan)
- American Heritage Federal Credit Union: 5.00% (IRA Loans)
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: April 4, 2026.
