The MFP’s Community Personal Loan Lender Survey gathers New Jersey borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from New Jersey’s Personal Loan Borrowers >>
New Jersey Best Personal Loan Lenders
Newark, Jersey City, Paterson, Elizabeth, Lakewood, Edison, Woodbridge, Toms River, Hamilton Township, Trenton, Online.
Newark Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Newark’s area are North Jersey Federal Credit Union, Greater Alliance Federal Credit Union and Affinity Federal Credit Union.
- North Jersey Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Newark-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Greater Alliance Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Affinity Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| North Jersey Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Greater Alliance Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Affinity Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Garden Savings Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Visions Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Investors Bank | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| Valley Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Provident Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Columbia Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| TD Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Citizens Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Jersey City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Jersey City’s area are Liberty Savings Federal Credit Union, North Jersey Federal Credit Union and Greater Alliance Federal Credit Union.
- Liberty Savings Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Jersey City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- North Jersey Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Greater Alliance Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Liberty Savings Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| North Jersey Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Greater Alliance Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Affinity Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Garden Savings Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Investors Bank | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| Valley Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Provident Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Columbia Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| TD Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Citizens Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Paterson Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Paterson’s area are Greater Alliance Federal Credit Union, North Jersey Federal Credit Union and Affinity Federal Credit Union.
- Greater Alliance ranks highest overall with a 92% Recommend score, plus the top Support & Guidance score among the top 3 at 4.8.
- Customer reviews point to strong personal help, clear communication, and a smooth loan experience, which supports its 4.7 Easy Application and 4.8 Support & Guidance scores.
- North Jersey Federal Credit Union ranks second with a 90% Recommend score and ties for the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.7.
- Customer reviews emphasize local service, helpful staff, and straightforward loan support, matching its strong 4.6 Easy Application and 4.7 Loan Terms ratings.
- Affinity Federal Credit Union ranks third with an 88% Recommend score and a strong 4.6 Loan Terms & Rate Satisfaction rating.
- Customer reviews mention accessible branch support and competitive credit union loan options, which supports its balanced 4.5 Easy Application and 4.5 Support & Guidance scores.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Greater Alliance Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 92% |
| North Jersey Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Affinity Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| Spencer Savings Bank | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| Valley Bank | Bank | 4.3 | 4.4 | 4.4 | 84% |
| Columbia Bank | Community Bank | 4.2 | 4.4 | 4.3 | 82% |
| Kearny Bank | Community Bank | 4.1 | 4.3 | 4.3 | 80% |
| Blue Foundry Bank | Community Bank | 4.1 | 4.2 | 4.2 | 78% |
| TD Bank | Bank | 4.2 | 4.1 | 4.0 | 76% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 74% |