Best Personal Loan Rates in Somerville, New Jersey (NJ) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Somerville, New Jersey include: Fulton BankFulton Bank103 W End Ave, Somerville, NJ, 08876A+5.0 ★Texas Ratio: 4.98% offering Unsecured Optionline Tier 1 at 8.00% APR, Financial Resources Federal Credit UnionFinancial Resources Federal Credit Union1 US Highway 22 West, Somerville, NJ, 08876B-4.3 ★Texas Ratio: 23.26% offering Personal Loan at 10.69% APR, Unity BankUnity Bank12 Mountain Ave, Somerville, NJ, 08876A5.0 ★Texas Ratio: 7.29% offering Personal Unsecured Loans up to 60 months at 15.75% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Merck Employees Federal Credit UnionMerck Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.22% offering Personal Loans at 4.25% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Somerville has 3 local institutions in our database, with personal loan rates as low as 8.00% APR from Fulton Bank at 103 W End Ave, Somerville, NJ, 08876. 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 Somerville, New Jersey.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Somerville, 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: May 10, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
103 W End Ave, Somerville, NJ, 08876
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
103 W End Ave, Somerville, NJ, 08876
Unsecured Optionline Tier 2
10.50%
▼
APR10.50%
Last UpdatedMay 11, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
1 US Highway 22 West, Somerville, NJ, 08876
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedMay 11, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
103 W End Ave, Somerville, NJ, 08876
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMay 11, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
1 US Highway 22 West, Somerville, NJ, 08876
Health & Beauty Loans
11.94%
▼
APR11.94%
Last UpdatedMay 11, 2026
Details
No additional details available.
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
12 Mountain Ave, Somerville, NJ, 08876
Personal Unsecured Loans up to 60 months
15.75%
▼
APR15.75%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR4.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
4.25%
▼
APR4.25%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR4.50%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR4.64%
Last UpdatedMay 11, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 11, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
IRA Loans
5.00%
▼
APR5.00%
Last UpdatedMay 11, 2026
Details
As Low As; To Fund an IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Share Loans
5.00%
▼
APR5.00%
Last UpdatedMay 11, 2026
Details
As Low As; Up to 10 Years
Division 819 Transit Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Unsecured Loans
6.50%
▼
APR6.50%
Last UpdatedMay 11, 2026
Details
Based on individual applications, for unsecured loans.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.50%
▼
APR6.50%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 650 and Above
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
6.50%
▼
APR6.50%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
6.75%
▼
APR6.75%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 650 and Above
APR6.90%
Last UpdatedMay 11, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedMay 11, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
With 12 months terms ($3000.00 max)
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As; Borrow up to $5000
APR7.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedMay 11, 2026
Details
As Low As
Credit Union Of New Jersey A Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Lifestyle Loans
7.24%
▼
APR7.24%
Last UpdatedMay 11, 2026
Details
Rates as low as 7.24% APR4
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
7.25%
▼
APR7.25%
Last UpdatedMay 11, 2026
Details
Year: 2026*; Credit Report Score: 650 and Above
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedMay 11, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedMay 11, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
7.75%
▼
APR7.75%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 650 and Above
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 11, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedMay 11, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
APR*
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal / Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 649 - 575
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
Year: 2022 - 2025; Credit Report Score: 650 and Above
APR8.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
up to $15,000
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
As Low As
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
8.25%
▼
APR8.25%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 649 - 575
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 11, 2026
Details
up to $15,000
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 11, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 11, 2026
Details
interest rate based on credit score
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
up to $15,000
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
Year: 2026*; Credit Report Score: 649 - 575
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 11, 2026
Details
As Low As
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Promotional Loans
8.74%
▼
APR8.74%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
up to $15,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
As Low As
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
Apr=Annual Percentage Rate. 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: 6.96%
Personal Loans Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As; 36 Months
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 11, 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%
UNSECURED LOAN
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
No additional details available.
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
up to $15,000
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
As Low As; 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.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Personal LOC
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR9.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
Year: 2019 - 2021; Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.25%
▼
APR9.25%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 649 - 575
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 11, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMay 11, 2026
Details
As Low As; 60 months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Unsecured
9.49%
▼
APR9.49%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 574 and Below
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
9.50%
▼
APR9.50%
Last UpdatedMay 11, 2026
Details
Year: 2022 - 2025; Credit Report Score: 649 - 575
GAF Linden Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR9.74%
Last UpdatedMay 11, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 11, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
9.75%
▼
APR9.75%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 574 and Below
APR9.75%
Last UpdatedMay 11, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 11, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 11, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Preferred Customer Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum Loan Amount $5,000
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; Up to 36 Months
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
Loreal USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Birthday Loan Special
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; 12 Month Repayment No Prepayment Fees *If you already have a loan and are a member in good standing, you are automatically APPROVED!
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; 72 Months
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; Other Rates and Terms Apply.
APR10.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
As Low As; Auto Pay
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
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.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 11, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
APR10.24%
Last UpdatedMay 11, 2026
Details
As Low As; Other Rates and Terms Apply.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
10.25%
▼
APR10.25%
Last UpdatedMay 11, 2026
Details
Year: 2026*; Credit Report Score: 574 and Below
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As; 84 Months
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As; 37 - 60 months
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 11, 2026
Details
As Low As; Regular
APR10.50%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 650 and Above
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
10.50%
▼
APR10.50%
Last UpdatedMay 11, 2026
Details
Year: 2019 - 2021; Credit Report Score: 649 - 575
APR10.50%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 650 and Above
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
APR10.74%
Last UpdatedMay 11, 2026
Details
As Low As
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Certificate of Origin Loan
10.75%
▼
APR10.75%
Last UpdatedMay 11, 2026
Details
Credit Report Score: 574 and Below
APR10.75%
Last UpdatedMay 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Vacation Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Personal Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 11, 2026
Details
As Low As; all rates based on creditworthiness
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Holiday Unsecured Loan
10.90%
▼
APR10.90%
Last UpdatedMay 11, 2026
Details
As Low As
APR10.90%
Last UpdatedMay 11, 2026
Details
No additional details available.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
With credit score of 700 - 749. Up to 60 month term. Max of $20,000.00.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
Up to $15,000
APR10.99%
Last UpdatedMay 11, 2026
Details
As Low As; 61 - 72 Months
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Unsecured
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
As Low As
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Loanliner Line-of-Credit and Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 11, 2026
Details
As Low As; (up to $10,000 for 3 years)
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 3 Years
11.00%
▼
APR11.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR11.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Used Certificate of Origin Loan
11.00%
▼
APR11.00%
Last UpdatedMay 11, 2026
Details
Year: 2022 - 2025; Credit Report Score: 574 and Below
APR11.05%
Last UpdatedMay 11, 2026
Details
No additional details available.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Unsecured Loans Personal
11.05%
▼
APR11.05%
Last UpdatedMay 11, 2026
Details
No additional details available.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.10%
▼
APR11.10%
Last UpdatedMay 11, 2026
Details
No additional details available.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured (Personal) Loans
11.10%
▼
APR11.10%
Last UpdatedMay 11, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
11.25%
▼
APR11.25%
Last UpdatedMay 11, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.35%
▼
APR11.35%
Last UpdatedMay 11, 2026
Details
No additional details available.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured (Personal) Loans
11.35%
▼
APR11.35%
Last UpdatedMay 11, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
1 US Highway 22 West, Somerville, NJ, 08876
Personal Loan
10.69%
▼
APR10.69%
Last UpdatedMay 11, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
103 W End Ave, Somerville, NJ, 08876
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMay 11, 2026
Details
No additional details available.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
4.25%
▼
APR4.25%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR6.90%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR7.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
As Low As
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
up to $15,000
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Personal Loans Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 11, 2026
Details
up to $15,000
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
up to $15,000
Union County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As; Up to $15,000. Up to 5 year financing.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 11, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
up to $15,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
Apr=Annual Percentage Rate. 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: 6.96%
Personal Loans Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
up to $50,000; As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Parlin Dupont Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
With credit score of 750 and above. Up to 60 month term. Max of $25,000.00.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
Bay Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
PERSONAL LOANS
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
up to $15,000
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 11, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 11, 2026
Details
As Low As
APR9.75%
Last UpdatedMay 11, 2026
Details
As Low As
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 11, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 11, 2026
Details
As Low As
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR10.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
As Low As; Auto Pay
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 2 Years
10.00%
▼
APR10.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 11, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
Up to $15,000
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 11, 2026
Details
As Low As; Regular
APR10.75%
Last UpdatedMay 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 11, 2026
Details
As Low As; all rates based on creditworthiness
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
As Low As
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
With credit score of 700 - 749. Up to 60 month term. Max of $20,000.00.
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
Up to $15,000
APR11.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal Loans 3 Years
11.00%
▼
APR11.00%
Last UpdatedMay 11, 2026
Details
No additional details available.
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Loanliner Line-of-Credit and Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 11, 2026
Details
As Low As; (up to $10,000 for 3 years)
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.10%
▼
APR11.10%
Last UpdatedMay 11, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $25,000
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.35%
▼
APR11.35%
Last UpdatedMay 11, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
Last UpdatedMay 11, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As; 36 Months
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 11, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMay 11, 2026
Details
As Low As; 60 months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; 72 Months
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As; 84 Months
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
Last UpdatedMay 11, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
11.74%
▼
APR11.74%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Debt Consolidation Loan
13.00%
▼
APR13.00%
Last UpdatedMay 11, 2026
Details
Proceeds made directly to creditors only!
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 11, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 11, 2026
Details
As Low As
APR14.50%
Last UpdatedMay 11, 2026
Details
No additional details available.
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedMay 11, 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%
Debt Consolidation Loan
14.99%
▼
APR14.99%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
15.49%
▼
APR15.49%
Last UpdatedMay 11, 2026
Details
Maximum total not to exceed $40,000
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Debt Consolidation Loan
16.49%
▼
APR16.49%
Last UpdatedMay 11, 2026
Details
Maximum 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%
Signature
6.50%
▼
APR6.50%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedMay 11, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.00%
▼
APR7.00%
Last UpdatedMay 11, 2026
Details
As Low As
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
7.50%
▼
APR7.50%
Last UpdatedMay 11, 2026
Details
As Low As
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 11, 2026
Details
As Low As
Messiah Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 11, 2026
Details
APR*
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 11, 2026
Details
As Low As
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 11, 2026
Details
interest rate based on credit score
Monmouth County Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 11, 2026
Details
interest rate based on credit score
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedMay 11, 2026
Details
As Low As
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 11, 2026
Details
As low as
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans 2 or more years in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $20,000
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured Loans (Signature) - Personal Loans First Year in the District
9.95%
▼
APR9.95%
Last UpdatedMay 11, 2026
Details
Maximum $1000 (With cosigner Maximum $3500)
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As; Other Rates and Terms Apply.
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 11, 2026
Details
As Low As
APR10.24%
Last UpdatedMay 11, 2026
Details
As Low As; Other Rates and Terms Apply.
APR10.49%
Last UpdatedMay 11, 2026
Details
As Low As
APR10.74%
Last UpdatedMay 11, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
11.25%
▼
APR11.25%
Last UpdatedMay 11, 2026
Details
As Low As
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No home improvement personal loan rates found in Somerville, NJ currently.
Somerville, NJ Personal Loan Rate Trends
Compare local Somerville, 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.
Personal Loan — NJ Avg
12.012%
▼ 0.146 vs 7 days ago
New Jersey personal loan rates fell 0.146 points over the past 7 days to 12.012% APR.
Signature Loan — NJ Avg
12.082%
▲ 0.368 vs 7 days ago
New Jersey signature loan rates rose 0.368 points over the past 7 days to 12.082% APR.
As of May 11, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New Jersey?
Most lenders in Somerville, 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 Somerville, 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 Somerville, 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 Somerville, New Jersey?
Credit unions in Somerville, 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 Somerville, New Jersey?
- Fulton Bank: 8.00% (Unsecured Optionline Tier 1)
- Financial Resources Federal Credit Union: 10.69% (Personal Loan)
- Unity Bank: 15.75% (Personal Unsecured Loans up to 60 months)
- TrustCo Bank: 4.00% (Passbook Loan)
- Merck Employees Federal Credit Union: 4.25% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Somerville, New Jersey. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026.
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