Personal Loans NJ

Personal Loans

Vacation Loans

Apply for a Vacation Loan this summer!

  • Borrow Up to $3,000
  • 8.00% APR*
  • for 18 months

*APR = Annual Percentage Rate. Rates effective June 1, 2023 and subject to change without notice. Approval depends on creditworthiness. Maximum repayment period is 18 months. No additional discount applies. Contact the credit union for complete details. Example Payment: 18 monthly payments of $ 178.04 per $3,000 borrowed at 8.00% APR.

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.  

Current Loan Rates

Personal Loans

APR APY Info and/or Terms
As low as 9.95%* 1-60 months
As low as 11.75%* Line of Credit - Revolving