South Jersey Federal Credit Union has money to lend for almost any purpose. You can apply for a new loan right away...there's no waiting period after you join. Our decision to approve your loan will be based on your debt/income ratio, your credit history and your overall stability. We request that you maintain a minimum balance of $50 in your Statement Savings when you have a loan. A higher balance in Statement Savings may help you to qualify. You may also be eligible for a 1/2% reduction in your loan rate if your payments are made by payroll deduction or a monthly transfer from your account. Our loan rates are competitive and we offer a variety of loan options that best suit your financial needs.
