LOANS & CREDIT

Seasonal Loans

Seasonal Loans

Cover short-term needs like taxes, vacation, or holiday expenses with a low-rate seasonal loan from First Jersey Credit Union.

All of our seasonal loans are available to members at the low rate of 6.24%*. Borrow up to $3,000 with terms up to two years. When your cash flow falls short of your plans, you have a trusted partner in First Jersey Credit Union.

  • Summary
  • Debt Protection
  • Summary

    • Low 6.24% interest rate on all seasonal loans*
    • Loans up to $3,000 available
    • Terms up to two years
    • Cover short-term needs like holiday, tax, and vacation finances
    • More reliable and affordable than payday loans
    • Commitment to one-to-one service
    • $10 minimum balance in the Share Savings account is required to apply for this loan
    View our current rates and required disclosures.

    *Interest rate based on creditworthiness.

  • Debt Protection

    Member’s Choice™ Borrower Security is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements help ease the enrollment process.

    Ask about protecting your loan payments

    If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Member’s Choice™ Borrower Security will cancel or waive your loan payment(s), up to the contract maximums—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:
    • Loss of life, including those caused by acts of war
    • Disability, including those caused by acts of war
    • Involuntary unemployment
    Call the Loan Department at 973.305.8889 and ask about protecting your loans, today.