Looking for a great rate on a loan? Whether you need money for a new or used vehicle, a family vacation, college expenses or any other worthwhile purpose, NJFCU has a variety of options to satisfy all of your borrowing needs. We offer a wide variety of low-cost loans that are designed to meet your individual needs, with competitive rates and flexible re-payment terms. With our new Docusign technology you can close your  loan from any computer. No more trips into the credit union. Simply close on your loan from  your  computer and the loan amount is deposited into your account.

For more information, click on the product or service option that best meets your needs. Or, call NJFCU at 888-78-NJFCU, e-mail us at or visit the office nearest you.

Home Loans  

Vehicle Loans

Personal Loans *

Student Loans

VISA® Credit Cards 

New & Used Vehicle Loans
NJFCU vehicle loans have the rates and terms you need to get a great deal on your next vehicle. We offer 100% financing of the full purchase price (including taxes and title fees, etc.) with terms up to 60 months on a wide variety of vehicles. Check out all that our Vehicle Loans have to offer, then click here to apply for one!
·  Automobiles
· Motorcycles
·  Recreational Vehicles
·  Boats (new only)
We provide the following services to help make your vehicle shopping convenient and hassle-free:
· Auto Pay - You can have your vehicle loan payment automatically deducted from your NJFCU Savings or
Checking Account, and save yourself the hassle of writing a check each month.

Allied Solutions

NJFCU offers Guaranteed Asset Protection (GAP) when you finance a new or used vehicle with NJFCU. GAP is a voluntary program to protect you if your car is totaled or stolen and not recovered. GAP is not an offer of insurance and does not replace your standard Comprehensive, Collision and Liability - it only enhances them.
Mechanical Breakdown Protection (MBP) you are protected from expensive car repair bills, at a 30-50% savings from the cost of dealer’s plans for this type of protection. Our MBP plan can save you time and thousands of dollars on major automobile repairs. Through the MBP plan, you can take your vehicle to any licensed repair facility in the U.S. and Canada for a low, per-visit deductible.
Loan Calculator:

Personal Loans

Share Secured Loans
This loan option allows you to borrow against the funds in your NJFCU Savings or Money Market Account. You may borrow between $750 and a maximum of 90% of your account balance at a low interest rate. Click here to apply for a Share Secured Loan.
Term Share Certificate Secured Loans
Similar to a Share Secured Loan, this loan option lets you borrow against the balance in your NJFCU Term Share Certificate. You may borrow up to 90% of the account balance and the interest rate is set at 3% above the certificate dividend rate. Click here to apply for a Term Share Certificate Secured Loan.
If the high monthly payments on the loan you currently have with another financial institution are making you wonder how you'll ever make ends meet, apply to refinance at NJFCU. With our low rates and flexible terms, we may be able to provide you with a lower monthly payment and put the family budget back on track. Call 973-785-9200, e-mail us at or stop by the Credit Union to see if refinancing is in your best interest, or click here to apply today!
Loan Calculator

Student Loans

North Jersey Federal cuScholar Private Student Loan:

  • Borrow as little as $2,000 or up to Cost of Attendance per year for a maximum of $120,000 in undergraduate loans or $160,000 in graduate loans
  • Choose between making interest payments or a nominal $25 Proactive Payment towards the loan while in school.
  • Use the funds for any qualified educational expense, including past due tuition bills.
  • Quick approval once we receive your completed application.
  • Students can apply here:

North Jersey Federal cuGrad Private Student Loan Consolidation:

  • Refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt.
  • Choose between paying interest only for first 4 years of repayment or standard level repayment the whole term
  • Quick approval once we receive your completed application
  • Students can apply here:

* A $49.00 documentation fee will apply to personal loans.

Loan Calculators

Here are some easy to use calculators to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.

Loan Calculator

·    What will my monthly car payment be? College Savings Calculator
·    How many months it will take to pay off my credit card balance?
·    How much I have to pay every month to eliminate my credit card balance?

 * A $49.00 documentation fee will apply to personal loans.