Personal Loans

Make the smart choice with our Back to School Loan! Use for any education related expenses.

Fixed rate 9.99% APR!

  • Competitive rates for almost any purpose.
    • Family vacation
    • Education expenses
    • Personal projects
    • Debt consolidation
    • Taxes
    • Emergency fund
    • And more!
  • No waiting period after joining – apply upon membership.
  • Amounts available up to $20,000 for six (6) years.
  • Minimum amount for new loans is $1,000 for one (1) year.
  • SJFCU requests that you maintain a minimum $25 Regular Savings balance when you have a loan.
  • Budget-friendly repayment terms, tailored to meet your needs.
  • Prompt decision-making and processing based in South Jersey.
  • Attentive service from our experienced staff every step of the way.

Add an extra layer of protection

Our Member's Choice™ Borrower Security offers payment protection that can cancel or reduce repayment of the principal and interest owed, in the event of disability, loss of life and even involuntary unemployment.