Debt Consolidation

Are you drowning in debt?
Let us help with debt consolidation!

THREE Ways to Consolidate

  • Free Balance Transfers to our Platinum Visa!
  • Personal Loans - Borrow up to $15,000 at 4.99%*APR for the first 12 months! 
  • Low Rate Home Equity Line of Credit (HELOC) or Home Equity Loan!
Free Visa Balance Transfer


Transferring your balances from other high rate credit cards, to our low, fixed-rate Platinum Visa can help you to pay off your debt faster. 

Simply fill out the balance transfer form and start saving money! Any balances you transfer to your new Platinum Visa will be at a low, fixed interest rate. Please note that you should continue to make the monthly payments on the other credit cards until you have confirmed that your balance transfer was completed.

If you are not currently a Platinum Visa Credit Card holder, please feel free to apply and fill out the Platinum Visa Credit Card form.

Personal Loans


Special, Limited-Time Personal Loan Promotion --
Borrow up to $15,000 at 4.99%*APR for the first 12 months!      

  • 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.
  • SJFCU requests that you maintain a minimum $25 Regular Savings balance when you have a loan

Click here to learn more and apply for a loan. Must enter code PL12MO to receive our low introductory rate!

*Must close by 3/31/17.  Introductory rate applies to new balances only (SJFCU refinances not permitted). Loan proceeds must be used to directly pay off existing debts (excluding SJFCU obligations) via credit union check. Minimum FICO of 720 is required with minimum five years established credit.  Total unsecured borrowing (SJFCU Loans and Visa credit limits) not to exceed $15k.  Must meet all credit requirements to qualify for this offer. Other rates and terms available to qualified borrowers.  Rates and Terms subject to change at the discretion of the credit union.

HELOC or Home Equity Line of Credit

Low Rate Home Equity Line of Credit (HELOC) or Home Equity Loan!


Home Equity Line of Credit (HELOC) -  SJFCU has a great new home loan product....the Home Equity Line of Credit. HELOC loans are set up as a revolving line of credit that allows you to borrow money as you need it, using your home as collateral. Click here to learn more and apply today!

Home Equity Loan -  We’ll help you transition the existing equity in your home into affordable financing for a wide range of other personal needs – like consolidating your debt, for example.  Our Home Equity Loan is a fixed-rate loan with no appraisal fee. Click here to learn more and apply today!