Gain more borrowing power for your unique financing needs.
We’re here to help you financially tackle whatever life throws at you. Whether you’re looking to fund your next project, cover an emergency expense, or just need to consolidate your debt, our affordable, unsecured personal loans start as low as 10.24% APR1 for 12-months. Additional rates and terms available here!
Stay up to date on our loan rate changes by signing up for our Rate Alert emails! We'll send you an email any time our loan rates change, so you can take advantage of the best rate available!
Key Features
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Competitive Rates
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Customized Terms
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Local Decisions
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Awesome Service
Access simple financing to cover many of life's expenses with rates as low as 10.24% APR1 for up to 12 months.
- Borrow as much $20,000 for up to 60 months
- Minimum amount for new loans is $1,000 for 12 months
Enjoy budget-friendly repayment terms, tailored to meet your needs with prompt decision-making and processing based in South Jersey. Our experienced staff is here to serve you every step of the way.
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An unsecured personal loan is ideal for borrowers who want to budget their upcoming project or plan without tying the loan to any collateral. Borrowers will receive the funds in one lump sum and will make consistent monthly payments over a predetermined amount of time.
Personal loans can be used for a variety of purposes, including:
- Smaller home repairs & projects
- Family vacations
- Emergency expenses
- Education costs
- Debt consolidation
- & more
Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:
- Involuntary Unemployment
- Disability
- Death
1. Annual Percentage Rate (APR) effective as of April 1, 2025 and is subject to be cancelled, extended, or changed without notice. Rate reflects a .25% rate reduction for members who choose 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.