Flexible Loans for Real Life
Gain more borrowing power for your needs with a personal loan or line of credit. Unsecured personal loans start as low as 10.24% APR† for 12 months!
Personal Loans
Whether you’re looking to fund your next project, cover an emergency expense, or just need to consolidate your debt, our personal loans come with competitive rates and customized terms.
Borrow as much as $20,000 for up to 60 months.
Minimum amount for new loans is $1,000 for 12 months.
Refinancing options available to help you lower your rate, reduce monthly payments, or secure a better term!
Secured Loans
Expand your financial capabilities with secured loans that don’t even require a credit report.
Secured Loans – Members may borrow up to 90% of the amount held as collateral in a savings account.
Certificate Secured Loans – The loan is a balloon note, with payment in full due on the maturity date of the certificate.
Prompt, local decision-making and processing based in South Jersey.
Today’s Rates
Last Updated on March 1, 2026
| Term | APR† as low as | |
|---|---|---|
| 12 Months (min. $1,000) | 10.24% | |
| 24 Months (min. $2,500) | 10.74% | |
| 36 Months (min. $5,000) | 10.99% | |
| 48 Months (min. $7,500) | 11.49% | |
| 60 Months (min. $10,000) | 11.99% |
Personal Loan Amount Calculator
How much can you afford to borrow? Tell us a few details and we’ll help you estimate a loan that fits your budget, goals, and needs.
Skip-A-Pay
Choose when you want to take a break from your monthly loan payment.
Best Used For
Available for auto and personal loans, this program is your way to take a break from your payments.
Save or Spend
Skip a payment for extra holiday or vacation funds, cover upcoming expenses, or just free up your wallet!
More Flexibility
Skip-A-Pay is another way we help our members harvest their financial future!
Personal Loan Frequently Asked Questions
Personal loans can be used for many personal expenses, including:
- Debt consolidation
- Home improvements or repairs
- Medical or dental bills
- Major purchases
- Unexpected expenses
Loan use is subject to approval and credit qualifications.
Loan amounts vary based on your credit profile, income, and ability to repay. Our loan specialists can help you understand what options may be available to you.
No, there are no application fees when applying for one of our personal loans. There are also no prepayment penalties on our personal loans.
Certificate Secured Loans: No credit report necessary. The loan is a balloon note, with Payment in full due on the maturity date of the certificate.
- Minimum Loan: $500
- Interest Rate: Less than one (1) month – 24 months – 4.00% over current dividend rate being earned on a certificate
- 25-60 months – 5.00% over current dividend rate being earned on a certificate
- Terms: Loan is only for the duration of the certificate.
Secured Loans: No Credit report necessary. Members may borrow up to 90% of the amount held as collateral in a savings account. Excluded are Holiday and Vacation Club Accounts and IRAs.
- Minimum Loan: $500
- Terms:
- 6-24 months – 4.00% over current dividend rate being earned
- 25-144 months – 5.00% over current dividend rate being earned
- Refer to Dividend Rate Table and use Savings Account balance (not the loan balance) to determine correct AP.
More Solutions
Already shopping for a car? Our auto loans offer flexible financing options to help you buy new or used, refinance, and get on the road with confidence.
Learn MoreManage spending with confidence! Choose between our Free* Checking, Growth Checking, or First Step Checking accounts for easy access to funds and financial flexibility!
Explore OptionsBank from anywhere. With our mobile app and online banking, you can check balances, transfer funds, pay bills, and deposit checks — anytime, anywhere.
Learn More
Auto Loans
Already shopping for a car? Our auto loans offer flexible financing options to help you buy new or used, refinance, and get on the road with confidence.
Learn MorePersonal Checking
Manage spending with confidence! Choose between our Free* Checking, Growth Checking, or First Step Checking accounts for easy access to funds and financial flexibility!
Explore OptionsDigital Banking
Bank from anywhere. With our mobile app and online banking, you can check balances, transfer funds, pay bills, and deposit checks — anytime, anywhere.
Learn MoreGet Started Today!
First Harvest Credit Union helps members across New Jersey borrow with confidence through personal loans and trusted local support.
Convenient Ways to Manage Your Account
† Annual Percentage Rate (APR) accurate as of the date listed above and is subject to be canceled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choos Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. APR is determined by an evaluation of applicant credit and is based on the loan term selected. Minimum loan amount is $1,000 with $20,000 maximum. Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $22.35 for every $1,000 borrowed at 11.99% APR for 60 months with $10,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.
