Personal Loans

Unsecured Personal Loans

Get access to the money you need, when you need it.

Have an unexpected expense and need a quick, affordable loan? We can help you get the money you need with a customized loan that’s perfect for you.

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.

  • Loans amounts up to $15,000
  • Rates as low as 12.24% (based on creditworthiness)
  • Maximum 60 month term
  • Variable rate product
  • No prepayment penalties
  • No collateral needed
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Share – Secured Loan

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 below to apply for a Share – Secured Loan.

Apply Today!

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 below to apply for a Term Share Certificate Secured Loan.

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*An application fee may apply. Please see your Membership Service Representative (MSR) for more details.