Personal Loans in Phillipsburg, NJ 08865

Looking for a private finance loan in Phillipsburg, NJ? Compare personalized loan offers from trusted local lenders to find the best rates and flexible terms that fit your needs. It’s easy to explore options that work for your budget and goals.

Phillipsburg residents trust local credit unions for fast approvals and friendly support. Whether you need cash for emergencies, debt relief, or a special purchase, comparing loans helps you secure the right plan with confidence—right here in your community.

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APR

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4.64 - 8.49 %

∞

6.09 - 17.99 %

5 Yrs

$50,000

∞

6.24 - 15.24 %

0.8 - 10 Yrs

2,500 - $20,000

∞

6.99 - 13.65 %

2 - 7 Yrs

35,000 - $50,000

∞

7.24 - 11.75 %

3 - 7 Yrs

$50,000

∞

7.79 - 18 %

1 - 7 Yrs

$30,000

∞

7.99 - 12.5 %

0.2 - 5 Yrs

∞

8.49 - 11.75 %

2.1 - 5 Yrs

∞

8.74 - 18 %

3.1 - 5 Yrs

∞

8.75 - 17.75 %

0.1 - 5 Yrs

∞

Today’s Personal Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Baxter's personal loan has a 7.49% APR today, which is up from 6.99% thirty and sixty days ago but unchanged from seven days ago. The credit builder loan remains steady at 4.5% APR with no changes in the past 30 days. Pentagon's personal loans with an APR of 6.09% today, unchanged from it was 7 and 30 days ago. This rate has remained steady over the past month. Affinity Plus has a Credit builder loan with an APR of 6% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Homeowner debt consolidation loan is at 6.99% APR today, down from 7.74% seven days ago but unchanged from 30, 60, and 90 days ago.

First Technology's Fixed–rate loan has an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit carries an APR of 12.5% , also unchanged from 7 and 30 days ago. Andrews Federal Credit Union has an unsecured, bill consolidation, signature loan with a 7.24% APR today. This rate is up from 6.99% seven, 30, and 60 days ago. Nasa's Cashline line of credit has a fixed APR of 11.49% , unchanged from 30 days ago. The Home improvement loan and Personal unsecured loan both have a 7.79% APR today, which is up from 7.69% seven and 30 days ago. The Personal unsecured loan's rate is higher than it was 60 and 90 days ago, when it was 7.44% .

First Commonwealth has a personal line of credit with a variable APR of 12.5% , which has stayed the same over the past 7, 30, 60, and 90 days. Their unsecured personal loans have a fixed APR of 9.99% , also unchanged across these time frames. State Department's personal loans with an APR of 8.49% , which has stayed the same over the past 7 and 30 days. Their Moneyline line–of–credit has a fixed APR of 11.75% , unchanged from 7, 30, 60, and 90 days ago. Navy Federal Credit Union has a Debt consolidation loan and a Home improvement loan, both with an APR of 8.74% today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago. The Personal expense loan also carries an 8.74% APR with no changes over the same periods.

Delta Community has a Personal loan with an APR of 8.75% today. This rate has stayed the same compared to 7, 30, and 60 days ago.

🏦 All Local Lenders in Phillipsburg, NJ

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
FIRST COMMONWEALTH FEDERAL CREDIT UNION	501 BALTIMORE ST PHILLIPSBURG NJ 08865	⏰ Monday-Friday 9am-5pm Saturday - 9am-1pm 📞 6108212403	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,346,105,958 Deposits: $44,895,214 Net Worth: $135,834,351 Employees: 262 Members: 94,444
IRCO COMMUNITY FEDERAL CREDIT UNION	450 HILLCREST BLVD PHILLIPSBURG NJ 08865	⏰ Monday - Thursday 9-5 Friday 9-6 Saturday 9-12 📞 9088591811 📠 9088592118	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $92,610,277 Deposits: $4,138,351 Net Worth: $8,345,927 Employees: 22 Members: 7,051

🏘️ All the Lenders Available in Warren County, NJ

✅VISIONS FEDERAL CREDIT UNION

✅FIRST COMMONWEALTH FEDERAL CREDIT UNION

✅IRCO COMMUNITY FEDERAL CREDIT UNION

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