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Personal Lending

Our personal lending products can fulfill any financing need, whether it be to consolidate high-rate credit cards, for a vacation or wedding, or just a simple purchase like furniture or a new computer. We even have a product to protect you from overdraft on your Checking Account. Our low rates and flexible terms can get you the cash you need without breaking your budget.

Signature Loans

Traditional Personal Loans

Our Personal Loan allows you to borrow up to $20,000 for up to 60 months, depending on your credit rating. You don’t need any collateral, just your signature.

Line of Credit

Like our Personal Loan, a Personal Line of Credit only requires your signature. But as a line of credit, you only use it when you need it and you only pay interest on what you use. It’s a great product to have available for projects that require multiple purchases — you can easily access the credit line by check or debit card and you can borrow up to $2,000 at any given time. You can also use your credit line specifically as an Overdraft Line of Credit for the purpose of covering overdrafts on your checking account.†

Secured Loans

These loans are real money savers. Secured Loans carry extremely low rates because the loan is 100% secured against funds in your savings or certificate account. You can borrow up to 100% of your shares for up to 60 months. During the term of the loan, the balance of your shares must at least match the balance of the loan. Secured loans are also a wonderful way to establish credit or to repair a damaged credit history.

Personal Lending Rates

Effective October 23, 2023
TypeMax Amount FinancedEst. TermAPR* as low as
Fixed-Rate Loan$500-$20,000Up to 48 Months10.20%
Fixed-Rate Loan$500-$20,000Up to 60 Months11.20%
Variable-Rate Line of Credit$500-$2,000Revolving14.50%
Share and Share Certificate Secured LoanUp to 100%Up to 60 Months2.50% APR* above dividend rate of Share or Share Certificate

Ask about our longer terms and rates.
*APR = Annual Percentage Rate.

Apply Today!

There are several convenient ways to apply:

Member Service Representatives are available to take your loan application by phone during business, evening and weekend hours. Check our Call Center Hours for availability.

Debt Protection with Life Plus

Jersey Shore Debt Protection with Life Plus is a voluntary loan-payment protection product designed to help you get relief from loan payments if a protected life event unexpectedly happens to you. Learn more about Debt Protection with Life Plus.

† Lines of credit are subject to annual credit check.

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