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Personal Loans & Share Secured Loans

Finance With A Personal Loan Up To $20,000

County Excellence FCU offers a variety of Personal Loan options to serve our members’ different needs, including both secured and unsecured loans. You can apply for an amount ranging from $500 to $20,000. The loan term can go for as long as six years for qualified borrowers. These are fixed-rate and term loans so that your monthly payments never change.

So what are you waiting for? Start your Personal Loan application now!

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Get amazing Credit Union Personal Loan Rates

Personal Loans can be used for a wide variety of purposes, making them extremely versatile. With a credit union Personal Loan, you can do just about anything you can imagine.

Benefits of Credit Union Personal Loans

Opting for a Personal Loan from a credit union over a bank or payday lender offers several compelling advantages. Credit unions, being not-for-profit financial cooperatives, typically offer lower interest rates and more flexible repayment terms than traditional banks and especially payday lenders, which can charge exorbitant fees and interest rates. Unlike banks, which are profit-driven and may have stringent lending criteria, credit unions prioritize their members' financial well-being, focusing on personal relationships and community development. This member-centric approach often results in a more personalized lending experience, with credit unions working closely with members to tailor loans that suit their specific financial situations. Credit unions are also known for their educational resources and financial counseling, empowering residents with the knowledge to make informed financial decisions. Choosing a credit union for a Personal Loan means supporting a local institution that reinvests in your community, providing a financially and socially responsible borrowing option.

What Can A Credit Union Personal Loan Be Used For?

  • Home Renovations: Upgrading your home, whether it's a kitchen remodel or adding an energy-efficient heating system to combat those chilly Northeast winters

  • Debt Consolidation: Combining multiple high-interest debts into a single, lower-interest personal loan to reduce your monthly payments and streamline your finances

  • Medical Expenses: Covering unexpected healthcare costs, such as emergency surgeries or specialized treatments not fully covered by insurance

  • Education Costs: Paying for tuition, books, and other educational expenses for courses at local colleges and universities that financial aid does not cover

  • Wedding Expenses: Funding your dream wedding at one of our picturesque venues, from beachfront ceremonies to lavish receptions in historic mansions

  • Vacation Planning: Covering the costs of a much-needed vacation, whether it's a family trip to the beach or a couples' getaway to another country

  • Moving Expenses: Assisting with the costs associated with moving, whether it's within the state or relocating to another state

  • Improving Credit Score: Enhancing your trustworthiness in the eyes of lenders by keeping a credit utilization ratio below 30%

Not A Member of County Excellence FCU Yet?

You are eligible to join County Excellence FCU and apply for a New Jersey Personal Loan if you live, work, worship, or conduct business in any of the following Counties:

  • Union County

  • Somerset County

  • Hunterdon County

  • Immediate family or household member of an existing County Excellence FCU member or an individual who qualifies for membership in the provision above