One Loan. One Payment. A Happier New Year.
Roll multiple high-interest debts into one manageable payment, and enjoy peace of mind with local, member-owned support you can trust.
Key benefits include:
- One Easy Monthly Payment Combine multiple balances into a single, predictable payment.
- Low Fixed Interest Rates Enjoy stability and potential savings compared to high-interest cards.
- No Payments for 60 Days Give yourself breathing room as you reset your finances.*
- Potential Credit Score Boost Debt consolidation may help improve your credit over time.
- Local, Member-Owned Support Decisions made by people who live and work in your community.
Not only were they incredibly understanding and accommodating, they worked with me to help manage my debt. It was really great to bank with someone who wasn’t trying to take all of my money, but instead help me save some!
— Margaret
Overwhelmed by Debt After the Holidays?
If high balances and multiple payments are weighing you down, a debt consolidation loan can make the load lighter.
This option is ideal if you’re managing:
- High-interest credit cards
- Medical or unexpected expenses
- Holiday or seasonal spending
- Several monthly payments with different due dates
Debt consolidation can help streamline your finances, reduce monthly payments, and make it easier to stay on track with your budget.
It’s Simple & Easy to Get Started
How It Works
Apply Online in Minutes
A quick, secure, and convenient application process.
Get Approved with Local Support
Fast decisions from a team that’s a part of your community.
Start 2026 with Confidence
No payments for 60 days, giving you a head start on your new financial path.*
Best at everything they do, great service by friendly professional staff. Lowest loan rates for all products. Just a pleasure to deal with.
— Vel
Not a Member Yet? Join Us.
Joining Members 1st of NJ is simple, and membership opens the door to competitive loans, personalized service, and a credit union that puts your financial well-being first.
Become a member today, and apply for your debt consolidation loan.
Join & Apply NowTake the First Step Toward a Better 2026
Simplify your payments. Reduce stress. Get control of your finances.
Federally Insured by NCUA
Equal Opportunity Lender
Trusted in South Jersey Since 1938
Secure Online Application
*No payments for 60 days subject to credit approval and loan terms.