Unsecured Personal Loan
No collateral. No problem.
The SUMMER LOAN BOOST is here for a limited time!
Need a Boost to Get You Through Summer? Enjoy:
- Low Interest Rates
- Flexible Repayment Terms
- Quick Approval Process
Rates as low as 8.99% APR*
*To obtain these promotional rates, the borrower must have direct deposit, or payroll deduction of at least $250 into a NJFCU checking account, and automatic payment from a NJFCU deposit account. If either the direct deposit, payroll deduction or automatic payment is canceled, the interest rate will increase by 2% above the promotional rate. New loans only, does not apply to refinancing of any existing NJFCU loan. In the event of default on the loan, the interest would be increased to 18%. The actual rate is based on individual creditworthiness and credit score. Repayment terms of loan will be dependent upon loan amount. All applications must be submitted between June 1st and September 30, 2024. See a Representative for more details. Offer may be discontinued at any time.
as low as 11.99% APR*
No collateral needed, fast funds with maximum flexibility.
*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates may vary depending on credit, loan amount, and loan term. A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 11.99% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR.
Rates Effective as of August 6, 2024
North Jersey FCU reserves the right to change the rates without notice if necessary. There are times when this update may be experiencing technical difficulties and may not be able to be updated in a timely fashion. APR = Annual Percentage Rate. Restrictions may apply. Rate determined by credit score. Other rates may apply. We attempt to keep this page as updated as possible. However, from time to time system maintenance and other circumstances may prevent us from doing so. Therefore any rates quoted on this web page are subject to change. We are not financially responsible for typographical errors.
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Unsecured Personal Loan Rates
| Term Months | APR* (Annual Percentage Rate) | |
|---|---|---|
| 12 mos. | as low as | 12.24% |
| 24 mos. | as low as | 12.24% |
| 36 mos. | as low as | 12.24% |
| 48 mos. | as low as | 12.49% |
| 60 mos. | as low as | 12.49% |
*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates may vary depending on credit, loan amount, and loan term. A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 11.99% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR.
Achieve Your Goals with a Loan Designed for You.
Get your personal loan interest rate and monthly payment with no impact to your credit score. To get started, determine the amount and length of the loan you want.
Here are some ways most people utilize our North Jersey FCU Unsecured Personal Loans
- Debt Consolidation
- Home Remodeling
- Moving Expenses
- Weddings
- Vacations
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Fewer Fees, Better Rates
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