Best Personal Loan Rates in Newark, New Jersey - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Newark, 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, GARDEN SAVINGSGARDEN SAVINGS120 Ferry St, Newark, NJ, 07105A+5.0 ★Texas Ratio: 8.45% offering 10 Years Loan at 5.86% APR, Liberty Savings Federal Credit UnionLiberty Savings Federal Credit Union106 Fleming Ave, Newark, NJ, 07105A5.0 ★Texas Ratio: 7.97% offering Unsecured Loans at 9.75% APR, North Jersey Federal Credit UnionNorth Jersey Federal Credit Union186 W Market St, Newark, NJ, 07103A+5.0 ★Texas Ratio: 3.92% offering Personal Loans at 12.24% APR, and ConnectOne BankConnectOne Bank217 Chestnut St, Newark, NJ, 07105A+5.0 ★Texas Ratio: 4.57% offering Personal Unsecured Term Loan at 15.00% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Newark has 5 local institutions in our database, with personal loan rates as low as 3.99% APR from Local 1233 Federal Credit Union at 19 Fenwick St, Newark, NJ, 07114. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Newark, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Newark, New Jersey. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 16, 2026
Newark Personal Loan Rates
Credit Score: 550 - 649
Credit Score: Below 550
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
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.
As Low As
As Low As
As Low As; Interest
As Low As; Interest
A loan for $500.00 max within the first 30 days of joining.
APR with Auto Deduct: 14.50%. Collateral Not Applicable
No additional details available.
As Low As; *
No additional details available.
5% on Purchases (up to $15 monthly)
No additional details available.
As Low As; *
No additional details available.
Fixed Rate, Owner Occupied, No Points
As Low As; 0% origination
As Low As; Relationship Premium
As Low As; Relationship Premium
As Low As; APR*
As Low As; APR*
As Low As; Relationship Premium
As Low As; APR*
As Low As; APR*
As Low As; APR*
$10,000 - $250,000
As Low As; APR*
As Low As; APR*
As Low As; APR*
As Low As; APR*
No additional details available.
As Low As; Relationship Premium
No additional details available.
No additional details available.
No additional details available.
Amount Available: 100%
No additional details available.
Credit Report Score: 650 and Above
As Low As; APR*
As Low As; APR*
As Low As; APR*
As Low As; APR*
As Low As; APR*
As Low As; APR*
No additional details available.
No additional details available.
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; APR*
As Low As; APR*
($3000.00 max)
As Low As; APR*
As Low As; APR*
Borrow up to $5000
As low as
Low Fixed Rate
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$10,000 - $250,000
Closed End; Up to $10,000 maximum
Amount Available: 100%
No additional details available.
No additional details available.
No additional details available.
As Low As*
No additional details available.
As Low As; APR is annual percentage rate. Approval based on credit worthiness. Membership eligibility required.
Credit Report Score: 650 and Above
No additional details available.
As Low As;**
As Low As; *
As Low As
As low as; No prepayment penalties; Payment protection available
As Low As; APR*
As Low As; APR*
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
Credit Report Score: 649 - 575
Rates as low as*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
up to $15,000
As Low As*
As Low As; APR*
As Low As; APR*
up to $15,000
No additional details available.
Credit Report Score: 649 - 575
As Low As;**
As Low As; APR*
interest rate based on credit score
up to $15,000
No additional details available.
Rates as low as*
Up to $15,000. Starting as low as 8.5%
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; APR*
As Low As; APR*
No additional details available.
up to $15,000
Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
As Low As*
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; [2]
APR without Direct Deposit: 9.49%
As Low As
As Low As
total not to exceed $25,000
With credit score of 750 and above. Max of $25,000.00.
Borrowers need qualified "C" or better co-signer. A-A+ = 3 times monthly/B-C=2times/D-E 1 time monthly salary
No additional details available.
up to $15,000
Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
As low as
No additional details available.
As Low As; APR*
No additional details available.
Rates as low as*
As Low As; Unsecured, Bill Consolidation, Signature
Credit Report Score: 649 - 575
As Low As;*
As Low As; Relationship Premium
total not to exceed $40,000
APR without Direct Deposit: 9.99%
As Low As; Unsecured Loan
No additional details available.
Credit Report Score: 574 and Below
No additional details available.
As Low As; Max $20,000; Rates include 0.25% reduction for automatic payments made from your Motion account.
Borrowers need qualified "C" or better co-signer. A-A+ = 3 times monthly/B-C=2times/D-E 1 time monthly salary
Rates from 9.74% - 18.00%
Rates as low as*
As Low As; Maximum Amount to Borrow: $60,000.00
APR* as low as ; Maximum Amount to Borrow: $60,000.00
APR* as low as ; Payment per $1,000: 3% of balance
Newark Personal Loan Rates
As Low As
As Low As
As Low As; Interest
As Low As; Interest
As Low As; Unsecured, Bill Consolidation, Signature
As low as
No additional details available.
Closed End; Up to $10,000 maximum
As Low As; *
As low as; No prepayment penalties; Payment protection available
No additional details available.
up to $15,000
Loan APRs based on creditworthiness and terms. Fees and conditions may apply.
Rates as low as*
No additional details available.
up to $15,000
Up to $15,000. Starting as low as 8.5%
Rates 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.
No additional details available.
As Low As
As Low As; [2]
As Low As; Unsecured, Bill Consolidation, Signature
As Low As
total not to exceed $25,000
With credit score of 750 and above. Max of $25,000.00.
up to $15,000
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
Rates as low as*
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*
APR* as low as ; Maximum Amount to Borrow: $60,000.00
APR* as low as ; Payment per $1,000: 3% of balance
Newark Debt Consolidation Loan Rates
As Low As
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.
APR without Direct Deposit: 9.49%
As low as
total not to exceed $40,000
APR without Direct Deposit: 9.99%
APR without Direct Deposit: 10.49%
APR without Direct Deposit: 10.99%
total not to exceed $40,000
total not to exceed $40,000
total not to exceed $40,000
UP TO $30,000.00. A and A+ paper only. Proceeds made directly to creditors only!
total not to exceed $40,000
No additional details available.
No additional details available.
Max of $20,000.00
total not to exceed $40,000
total not to exceed $40,000
total not to exceed $40,000
Newark Signature Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR is annual percentage rate. Approval based on credit worthiness. Membership eligibility required.
No additional details available.
interest rate based on credit score
No additional details available.
Borrowers need qualified "C" or better co-signer. A-A+ = 3 times monthly/B-C=2times/D-E 1 time monthly salary
Borrowers need qualified "C" or better co-signer. A-A+ = 3 times monthly/B-C=2times/D-E 1 time monthly salary
Newark, NJ Personal Loan Rate Trends
Compare local Newark, NJ personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey personal loan rates rose 0.012 points over the past 7 days to 11.653% APR.
New Jersey signature loan rates rose 0.083 points over the past 7 days to 10.925% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newark, 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 Newark, 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 Newark, 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 Newark, New Jersey?
What are the best personal loan rates in Newark, New Jersey?
- Local 1233 Federal Credit Union: 3.99% (C Loan)
- GARDEN SAVINGS: 5.86% (10 Years Loan)
- Liberty Savings Federal Credit Union: 9.75% (Unsecured Loans)
- North Jersey Federal Credit Union: 12.24% (Personal Loans)
- ConnectOne Bank: 15.00% (Personal Unsecured Term Loan)
Personal Loan Calculators
