Refinance Loans for Lower Payments

High Monthly Payments? We Can Help!

Refinance loans you have at another lender with Members 1st of New Jersey FCU.

We’ve dramatically lowered our rates for savings and extra cash flow. Choose the terms right for you and relax knowing you’re doing right by your budget.

Benefits of Refinancing:

  • Lower your monthly payments
  • Consolidate bills and expensive credit card debt
  • Eliminate high monthly payments
  • Get immediate budget relief 
  • Feel in control with fewer financial worries


Forget about high rates and multiple payments. Choose your best option and start saving.  

Auto Loans

Deduct 0.25% from your best rate–as low as 1.50% APR* w/ automated payments via Direct Deposit

  • Buy new or refinance
  • No payments for 60 days

Personal Loans

Deduct 1.00% from your best rate–as low as 7.25% APR* w/automated payments via Direct Deposit

  • Consolidate high-rate loans
  • No payments for 60 days

VISA® Credit Card

Transfer balances as low as 9.50% APR*

  • No annual or balance transfer fees
  • Earn ScoreCard Rewards on qualifying purchases

Refinance now – for savings and peace of mind.

Apply Online Or Call 856-390-7337 (select option 4)



*APR = Annual Percentage Rate. Rates effective January 1, 2022, and subject to change without notice. APR may vary based on creditworthiness, loan amount, and security offered. Rates shown are for qualified borrowers and subject to credit score, age of collateral, and term.
Auto loan rates range from 1.50% minimum APR to 17.50% maximum APR, loan repayment period ranges from 38 months minimum to 84 months maximum, and loan amount ranges from $2,500 minimum to $75,000 maximum, depending on the vehicle type and loan specifications.
Personal loan rates range from 7.75% minimum APR to 16.50% maximum APR, loan repayment period ranges from 6 months minimum to 72 months maximum, and loan amount ranges from $300 minimum to $20,000 maximum, depending on loan specifications.
Visa® Credit Card rates range from 9.50% minimum APR to 19.75% maximum APR, and credit limit ranges from $300 to $20,000 maximum, depending on creditworthiness and card type.
Contact the credit union for the complete details. Refinanced loans must come from other financial institutions. Not valid on any existing Members 1st loans. 
Must be eligible for membership or already a member. Learn more and see if you qualify to join Members 1st of NJ Federal Credit Union here.