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Personal Loans

Personal Loans to Help Fund Your Life.

Whatever your need—debt consolidation, a vacation, wedding, a snowmobile or jet ski …

Or anything in between – we can help with one of the best personal loans, New Jersey has to offer.

  • Fixed rate as low as 4.74% APR up to 48 months for qualified borrowers
  • Borrow the amount you need, up to $20,000
  • Other flexible rates and terms available
  • Debt protection available upon request

No collateral required!

Apply in minutes using our online application.

Apply for a personal loan today!


Personal Loan Refinance Rates as low as 4.74% APR

Already have a high rate personal loan?

Move the weight of that loan off your shoulders – with personal loan refinance rates as low as 4.74% for max 4 yrs for qualified borrowers!

Borrow up to $20k, or consolidate your high rate debt into one low monthly payment. And, get up to 1% Cash back of the amount refinanced or up to a $1000 when you refinance your credit cards or other personal loans from another financial institution with GAFCU!

The perfect personal loans to consolidate debt and save on monthly payments.

Apply for a personal loan today!


*APR=Annual Percentage Rate. 4.74% rate refers to individuals who qualify and open a Checking account w/Payroll deduction/Direct Deposit. At 4.74% on a $7,500 loan with a 48-month term, the monthly payment is $171.85. ALL borrowers must have or open a share (savings) account and are required to maintain a minimum balance of $175 in their personal savings account after their first six months of becoming a member. A full credit check will be required for all borrowers. All advertised rates are subject to individual qualifying factors and subject to change without notice.