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Unsecured Personal Loan

No collateral. No problem.

as low as 11.99% APR*

No collateral needed, fast funds with maximum flexibility.

North Jersey FCU offers Unsecured Personal Loans with no collateral is needed. Our Unsecured Loans provide you with access to funds fast with maximum flexibility. A North Jersey FCU Personal Loan can help to consolidate debt, finance large purchases or use for important emergencies.

as low as 11.99% APR*

Unsecured Personal Loan Benefits:

  • Borrow up to $15,000
  • Low rates and payments
  • Consolidate your bills
  • Terms available up to 60 months
  • No collateral needed
*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 June 1, 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.

The information in the rate table below may not fully be viewable on certain smaller resolution devices. Please scroll the table contents or you can rotate your device to landscape orientation to ensure you are viewing the entire table contents.

Unsecured Personal Loan Rates

Term MonthsAPR* (Annual Percentage Rate)
12 mos.as low as12.24%
24 mos.as low as12.24%
36 mos.as low as12.24%
48 mos.as low as12.49%
60 mos.as low as12.49%

*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.

Home Equity Loans

Here are some ways most people utilize our North Jersey FCU Unsecured Personal Loans

  1. Debt Consolidation
  2. Home Remodeling
  3. Moving Expenses
  4. Weddings
  5. Vacations

Experience the CU Difference

Fewer Fees, Better Rates

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