Best Personal Loan Rates in Jersey City, New Jersey - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Jersey City, New Jersey include: Financial Resources Federal Credit UnionFinancial Resources Federal Credit Union525 Washington Blvd, Jersey City, NJ, 07310B-4.3 ★Texas Ratio: 20.45% offering Interest Only Loan at 5.00% APR, XCEL Federal Credit UnionXCEL Federal Credit Union30 Path Plz, Jersey City, NJ, 07306A+5.0 ★Texas Ratio: 4.33% offering Debt Consolidation Loan at 8.99% APR, Liberty Savings Federal Credit UnionLiberty Savings Federal Credit Union660 Newark Ave, Jersey City, NJ, 07306 2379A5.0 ★Texas Ratio: 7.97% offering Unsecured Loans at 9.75% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Parke BankParke BankA5.0 ★Texas Ratio: 6.65% offering Parke Cashback Advantage Loan at 5.00% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Jersey City has 3 local institutions in our database, with personal loan rates as low as 5.00% APR from Financial Resources Federal Credit Union at 525 Washington Blvd, Jersey City, NJ, 07310. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Jersey City, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Jersey City, 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: July 25, 2026
Jersey City Personal Loan Rates
No additional details available.
As Low As; Relationship Premium
As Low As; Relationship Premium
As Low As; Relationship Premium
As Low As; Relationship Premium
No additional details available.
Low Fixed Rate
As Low As*
As Low As;**
As Low As*
As Low As;**
As Low As*
APR without Direct Deposit: 9.49%
As Low As; Relationship Premium
APR without Direct Deposit: 9.99%
As Low As; 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.
APR without Direct Deposit: 10.49%
APR without Direct Deposit: 10.49%
As Low As; Relationship Premium
APR without Direct Deposit: 10.99%
APR without Direct Deposit: 10.99%
As Low As*
As Low As
As Low As; Relationship Premium
As Low As*
APR without Direct Deposit: 11.49%
As Low As*
No additional details available.
As Low As*
As Low As*
APR without Direct Deposit: 11.99%
As Low As*
As Low As; Relationship Premium
As Low As*
As Low As*
As Low As*
No additional details available.
5% on Purchases (up to $15 monthly)
No additional details available.
No additional details available.
As Low As; 0% origination
Fixed Rate, Owner Occupied, No Points
No additional details available.
As Low As; APR*
No additional details available.
As Low As; APR*
$10,000 - $250,000
As Low As; APR*
No additional details available.
No additional details available.
Amount Available: 100%
Credit Report Score: 650 and Above
No additional details available.
No additional details available.
As Low As; APR*
As Low As; APR*
No additional details available.
No additional details available.
Credit Report Score: 650 and Above
Fixed Rate, Investment Property, No Points
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
As low as
As Low As; Borrow up to $5000
As Low As; APR*
No additional details available.
No additional details available.
No additional details available.
As Low As; APR*
No additional details available.
$10,000 - $250,000
Closed End; Up to $10,000 maximum
As Low As; APR*
No additional details available.
Amount Available: 100%
No additional details available.
No additional details available.
As Low As; Approval based on credit worthiness. Membership eligibility required.
No additional details available.
Credit Report Score: 650 and Above
As Low As
As low as; No prepayment penalties; Payment protection available
No additional details available.
up to $15,000
Credit Report Score: 649 - 575
No additional details available.
Rates as low as*
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
No additional details available.
No additional details available.
up to $15,000
No additional details available.
Credit Report Score: 649 - 575
interest rate based on credit score
up to $15,000
No additional details available.
Rates as low as*
As Low As; Up to $15,000.
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.
up to $15,000
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The maximum term is 60 months. As an example, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94.
No additional details available.
As Low As
No additional details available.
As Low As; [2]
As Low As; Unsecured, Bill Consolidation, Signature
As low as
Rates starting at; You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
No additional details available.
up to $15,000
As Low As; Unsecured, Bill Consolidation, Signature
Rates as low as*
Credit Report Score: 649 - 575
No additional details available.
As Low As
As Low As
As Low As; Unsecured Loan
Credit Report Score: 574 and Below
No additional details available.
No additional details available.
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Rates as low as*
No additional details available.
Credit Report Score: 574 and Below
As Low As
As Low As
No additional details available.
As Low As; Rates as of 12/31/2025. Maximum APR on all loans is 18.00%.
Maximum $20,000
Maximum $1000 (With cosigner Maximum $3500)
As low as
As low as; Other Rates and Terms Apply.
No additional details available.
As Low As;*
As Low As
As Low As; No Prepayment Fees
As Low As; No Prepayment Fees
As Low As; Flexible terms and repayment plans
No additional details available.
As low as; Other Rates and Terms Apply.
As Low As;*
No additional details available.
As Low As
No additional details available.
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Credit Report Score: 650 and Above
As Low As;*
No additional details available.
Rates as low as*
Credit Report Score: 574 and Below
No additional details available.
As Low As
As Low As; all rates based on creditworthiness
As Low As
As Low As
As Low As
Jersey City Personal Loan Rates
APR without Direct Deposit: 10.49%
APR without Direct Deposit: 10.99%
As Low As
APR without Direct Deposit: 11.49%
APR without Direct Deposit: 11.99%
As Low As; Unsecured, Bill Consolidation, Signature
As low as
No additional details available.
Closed End; Up to $10,000 maximum
As low as; No prepayment penalties; Payment protection available
No additional details available.
Rates as low as*
up to $15,000
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
up to $15,000
up to $15,000
Rates as low as*
As Low As; Up to $15,000.
up to $15,000
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The maximum term is 60 months. As an example, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94.
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
As Low As
As Low As; [2]
up to $15,000
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
Rates as low as*
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Rates as low as*
As Low As
As Low As
No additional details available.
As low as
As Low As
As Low As; Flexible terms and repayment plans
No additional details available.
No additional details available.
As Low As
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Rates as low as*
As Low As; all rates based on creditworthiness
As Low As
Jersey City Debt Consolidation Loan Rates
APR without Direct Deposit: 9.49%
APR without Direct Deposit: 9.99%
APR without Direct Deposit: 10.49%
APR without Direct Deposit: 10.99%
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.
As low as
As Low As
No additional details available.
No additional details available.
Jersey City Signature Loan Rates
No additional details available.
No additional details available.
No additional details available.
As Low As; Approval based on credit worthiness. Membership eligibility required.
No additional details available.
interest rate based on credit score
No additional details available.
As Low As; Rates as of 12/31/2025. Maximum APR on all loans is 18.00%.
As low as; Other Rates and Terms Apply.
As Low As;*
As low as; Other Rates and Terms Apply.
As Low As;*
As Low As;*
Jersey City, NJ Personal Loan Rate Trends
Compare local Jersey City, NJ personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey personal loan rates currently average 11.627% APR.
New Jersey signature loan rates rose 0.054 points over the past 7 days to 9.510% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jersey City, 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 Jersey City, 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 Jersey City, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New Jersey?
Are credit unions or banks better for personal loans in Jersey City, New Jersey?
What are the best personal loan rates in Jersey City, New Jersey?
- Financial Resources Federal Credit Union: 5.00% (Interest Only Loan)
- XCEL Federal Credit Union: 8.99% (Debt Consolidation Loan)
- Liberty Savings Federal Credit Union: 9.75% (Unsecured Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- Parke Bank: 5.00% (Parke Cashback Advantage Loan)
Jersey City, New Jersey Rates & Resources
Personal Loan Calculators
