Members 1st of NJ FCU offers secured and unsecured personal loans to members across South Jersey, including options for borrowers building credit. Use a personal loan for debt consolidation, home repairs, or major expenses, with fixed rates and predictable monthly payments. Compare rates and apply online below.
Secured & Unsecured Personal Loans
An unsecured Personal Loan doesn’t require collateral and it can be used for any purpose. You could borrow the money you need to consolidate bills, pay unexpected expenses or make any special purchase. All you need is your good credit. All we need is your signature.
A Share Secured Personal Loan is another money-saver. Your rate and payments are lower because the loan is secured by your savings or CDs. Fast approval makes both loans popular financing solutions.
- Borrow Up to $20,000.00
- Fixed-Rate Loan
- Terms Up To 60 Months
Personal Line of Credit
Draw the money you need when you want it. You pay interest only on your outstanding balance. As you pay back what you borrowed you can draw that amount again or more, up to your line of credit limit.
- Borrow Up to $20,000.00
- Revolving Variable Rate
- Unsecured Loan
Bill Consolidation Loan
High-interest loans and too many bills can be a real problem. The financial pressure every month can be downright painful. There is a better way. Refinance your high-interest debt at Members 1st. With a credit union Home Equity Loan or Personal Loan, you can combine your bills into one affordable monthly payment.
Help Preserve Your Standard of Living with Member’s ChoiceTM Borrower Security
Member’s Choice™ Borrower Security is a voluntary loan-payment protection product that helps preserve your family’s standard of living if a protected life event unexpectedly happens to you.
Protected events include:
- Loss of life, including those caused by acts of war
- Disability, including those caused by acts of war
- Involuntary unemployment
Applying Is Fast & Easy
If you need help choosing the right loan option, call or visit our credit unions in Vineland or Bridgeton today. You can also apply online 24 hours a day.
Apply Online Today Branch Locations
*APR = Annual Percentage Rate. Rates are subject to change without notice. APR may vary based on creditworthiness. Rates shown are discounted 0.25% APR for automatic payments through payroll deduction, direct deposit, or ACH payments.
Personal Loans
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 9.30%* | 1-60 months | |
| As low as 12.25%* | Line of Credit - Revolving |
Personal Loan FAQs
Where can I get a personal loan in NJ?
Members 1st of NJ FCU offers secured and unsecured personal loans to members across South Jersey. Credit unions often provide lower rates and more flexible terms than online lenders, and you can apply online, by phone, or at a branch.
How much would a $30,000 personal loan cost a month?
Your monthly payment depends on your rate and term. A longer term lowers the monthly payment but increases total interest. Check our current personal loan rates and use a payment calculator to estimate your exact cost before applying.
Can I get a personal loan with bad credit in NJ?
It may be possible. Members 1st of NJ FCU considers your full financial picture, and payday alternative loans offer a safer option than high-cost payday lenders. Improving your credit and adding a co-borrower or collateral can also improve your odds.
What can I use a personal loan for?
Personal loans are flexible: common uses include debt consolidation, medical bills, home repairs, and major purchases. A bill consolidation loan can also combine higher-interest balances into one predictable monthly payment.
What is the difference between a secured and unsecured personal loan?
A secured loan is backed by collateral such as savings, which can lower your rate. An unsecured loan requires no collateral and is based on your creditworthiness. Members 1st of NJ FCU offers both so you can choose what fits.