Personal Loans & Lines of Credit

Personal Loans, Consolidation Loans, and Lines of Credit

First Financial's Personal Loans are available to anyone who may be interested in saving money while financing ongoing expenses and multiple major purchases, rather than going through the high cost of retail financing.

Personal Loans

  • Rates start at 10.24% APR*
  • Fixed payments and no pre-payment penalties.
  • A personal loan will help you save money rather than going through the high cost of retail financing.
  • Apply online 24/7, and ask us about our electronic closings!

Consolidation Loans

Do you have too many bills and other loan payments, and is it getting a bit hard to keep track of? Apply for our Consolidation Loan! Reduce your monthly expenses and save money by consolidating your high interest rate credit cards and loans into one simple monthly payment.

Consolidation Loan features include:
  • Fixed payments
  • Flexible terms up to 60 months
  • No prepayment penalties

Personal Line of Credit

A personal line of credit is a set amount of money from which you can borrow up to the limit, for a given period of time - referred to as your draw period. It can be a great way to ensure that you have access to funds for anticipated and unanticipated expenses. Borrowers often use their lines of credit for personal expenses like home expenses, student expenses, medical expenses, and the like. With a Personal Line of Credit, you take from the available balance only the amount you need during the draw period - and the interest only accumulates on what you borrow.

*APR = Annual Percentage Rate. Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Personal Loan repayment terms range from 12 to 60 months, and APRs range from 10.24% APR to 18% APR. Minimum loan amount is $500. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. 

Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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