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Auto/Motorcycle Loans

  • Competitive rates for new or used vehicles
  • Get pre-approved for extra bargaining power when shopping
  • Refinance your current vehicle to potentially lower your rate
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Recreational Vehicle (RV) and Boat Loans

  • Explore the outdoors from a new perspective
  • Competitive rates for campers, boats, and more
  • Fast decisions made locally
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Personal Loans

  • Competitive rates for vacations, projects, taxes, and much more
  • Budget-friendly repayment terms, tailored to meet your needs
  • Amounts available up to $20,000 for six (6) years
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Credit Builder Loans

  • Designed for those with no or less-than-perfect credit history
  • Dividends are paid on the money while payments are made
  • Pay the loan in full and the money becomes available in your account
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Secured Loans

  • Competitive rates
  • Fast decisions made locally
  • Variety of terms available
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Skip-A-Pay

  • Skip a payment on your loan or Visa® credit card payment
  • Save during times of hardship or when you want funds for other things
  • Member Account must be in good standing
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Friends & Family Referrals

  • Refer friends and family to South Jersey Federal Credit Union
  • When they take out an auto loan or home equity loan, you could both cash in
  • You could reach receive $100
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Loan Promotions

We're always looking for ways to help you save. See what our current loan promotions are here!

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Crisis Relief Loans

If you are experiencing a reduction or loss of income due to COVID-19, you may qualify for a Crisis Relief loan up to $5,000. Apply online or contact us at 800-582-7640 for details.

Use code CRISIS on your application.

Apply today!

*Account must be in good standing with South Jersey Federal Credit Union. Minimum credit score of 620 is required for $2500 loan at 12 months, and 680 credit score for $5000 loan at 24 months. Payments will be deferred for the first 90 days after closing the loan. Interest will continue to accrue from date of loan disbursement. This product is a fixed rate, closed-end unsecured loan. Members applying for crisis relief loans may be asked to provide proof of income, or proof that income is affected by COVID-19. Qualifying direct deposit and checking account are required to receive 7.49%APR, all other applicants subject to rate of 8.49%APR. All program rates, offer, terms and conditions are subject to change without notice. Restrictions may apply. Offer may be withdrawn at any time at the discretion of the credit union. APPLICATION MUST BE PLACED VIA WEBSITE OR THRU CONTACT CENTER (no in-person branch applications). Contact a representative for details.

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