See real New Jersey personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in New Jersey’s main areas and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from New Jersey’s Personal Loan Borrowers >>
New Jersey Personal Loan Rates –
Find personal loan rates by credit score and loan length on New Jersey. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by New Jersey borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| New Jersey | 11.37% | 14.07% | 18.95% | 22.50% |
| Credit Unions | 9.95% | 12.65% | 17.53% | 21.08% |
| Online lenders | 10.87% | 14.07% | 20.45% | 26.50% |
| Banks | 11.37% | 14.07% | 18.95% | 22.50% |
| 24 month | 10.71% | 13.41% | 18.29% | 21.84% |
| 36 month | 11.37% | 14.07% | 18.95% | 22.50% |
| 48 month | 11.87% | 14.57% | 19.45% | 23.00% |
| 60 month | 12.37% | 15.07% | 19.95% | 23.50% |
Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.
New Jersey Best Personal Loan Lenders
Newark, Jersey City, Paterson, Elizabeth, Lakewood, Edison, Woodbridge, Toms River, Hamilton Township, Trenton, Online.
New Jersey Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across New Jersey by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.71 | 4.69 | 4.72 | 93.6% |
| Community Banks | 4.41 | 4.42 | 4.50 | 87.7% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 88.5% |
| Banks | 4.18 | 4.17 | 4.25 | 83.0% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 1,301 local New Jersey residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
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% |
Elizabeth Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Elizabeth’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 Elizabeth-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 | 4.6 | 4.6 | 4.7 | 92% |
| Investors Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Valley 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 | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
Lakewood Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lakewood’s area are First Atlantic Federal Credit Union, Affinity Federal Credit Union and Visions Federal Credit Union.
- First Atlantic 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 Lakewood-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Affinity 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.
- Visions 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 % |
|---|---|---|---|---|---|
| First Atlantic Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Visions Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Garden Savings Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Provident Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Valley 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 | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
Edison Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Edison’s area are Affinity Federal Credit Union, Rutgers Federal Credit Union and First Atlantic Federal Credit Union.
- Affinity 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 Edison-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Rutgers 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.
- First Atlantic 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 % |
|---|---|---|---|---|---|
| Affinity Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Rutgers Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Atlantic Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Visions Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Garden Savings Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Provident Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Valley Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| TD Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Woodbridge Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Woodbridge’s area are Affinity Federal Credit Union, First Atlantic Federal Credit Union and Rutgers Federal Credit Union.
- Affinity 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 Woodbridge-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Atlantic 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.
- Rutgers 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 % |
|---|---|---|---|---|---|
| Affinity Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Atlantic Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Rutgers Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Visions Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Garden Savings Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Provident Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Valley Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| TD Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Toms River Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Toms River’s area are First Atlantic Federal Credit Union, Affinity Federal Credit Union and Garden Savings Federal Credit Union.
- First Atlantic 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 Toms River-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Affinity 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.
- Garden Savings 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 % |
|---|---|---|---|---|---|
| First Atlantic Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Garden Savings Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Visions Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Provident Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Valley 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 | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
Hamilton Township Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Hamilton Township’s area are Credit Union of New Jersey, First Atlantic Federal Credit Union and Affinity Federal Credit Union.
- Credit Union of New Jersey 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 Hamilton Township-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Atlantic 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 % |
|---|---|---|---|---|---|
| Credit Union of New Jersey | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Atlantic 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 | 4.6 | 4.6 | 4.7 | 92% |
| Provident Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Valley 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 | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
Trenton Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Trenton’s area are Credit Union of New Jersey, First Atlantic Federal Credit Union and Affinity Federal Credit Union.
- Credit Union of New Jersey 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 Trenton-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Atlantic 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 % |
|---|---|---|---|---|---|
| Credit Union of New Jersey | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Atlantic 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 | 4.6 | 4.6 | 4.7 | 92% |
| Provident Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Valley 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 | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
New Jersey Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in New Jersey’s area are Affinity Federal Credit Union, Garden State Federal Credit Union and SoFi.
- Affinity Federal Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to an easy online application, flexible personal loan terms, and helpful support during the borrowing process.
- Garden State Federal Credit Union ranks second with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight clear fixed-rate loan options, convenient online access, and useful help when applying.
- SoFi ranks third with a 94% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Easy Application score among the top 3.
- Borrower feedback supports its top-3 placement because customers often point to a simple digital process, clear loan details, and responsive support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Affinity Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Garden State Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 95% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 94% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 93% |
| First Atlantic Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 92% |
| Picatinny Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| Visions Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 89% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 88% |
| LendingClub | Bank | 4.5 | 4.5 | 4.5 | 87% |