Loans

Auto Loans for New or Used Cars!

At 1st Bergen, you will find great rates and terms for your next car purchase. Other credit unions and banks charge higher rates and offer shorter loan terms for used cars than they do for new cars. Not at 1st Bergen! You can finance your car at the same rate for loan terms as long as 72 Months (6 years) even if it is a used car! We will finance up to 100% of the book value of your car up to a maximum loan amount of $20,000.00. 1st Bergen will even refinance your car! Are you stuck with a high rate on your current auto loan? Would you like to lower your monthly payments? Here at 1st Bergen we will refinance your car (even if you own it free and clear!).

Personal Unsecured Loans:

Here at 1st Bergen we understand that you may have many varied needs for extra cash. Maybe you can benefit from consolidating your current debts into one, low payment, fixed rate loan; or you can use this loan for any purpose! Maybe school tuition or a special purchase. That’s why 1st Bergen members have the benefit of our unsecured loan programs. Borrow up to $7,500.00 for loan terms up to 72 months (6 years). 1st Bergen strives to make our Personal Loans affordable for you!

Credit Builder Loan Program:

No Credit History? No Problem! 1st Bergen members just like you are building their credit score with our Credit Builder Loan Program.

- No Credit History required.
- Proof of stable income is required.
- Apply for loan amount of $250 to $500
- 90% of your approved loan amount is available to you right away and 10% of your loan amount will be held in a 1st Bergen Savings Account earning you interest as you build your credit history! Once you pay off your loan, that money in your savings account is yours to do with what you’d like.
- Build your credit history while you pay off your loan and show credit worthiness for future loans, mortgages, leases, rentals, etc.
- These loans are intended for members who do not have a credit score and want to re-establish credit.
- Qualified individuals must maintain or open a Checking Account with Payroll Deduction/Direct Deposit.

Credit & Savings Builder Loan Program:

Here at 1st Bergen we understand that bad things happen to good people! Is your Credit History holding you back? Is your low credit score stopping you from getting credit elsewhere? That’s why we offer our members an opportunity to re-build their credit score while saving money at the same time!

- No Credit History required.
- Proof of stable income is required.
- Apply for loan amount of $250, $500, $750 or $1,000.
- Your entire approved loan amount will be held in a 1st Bergen Savings Account earning you interest as you build your credit history! Once you pay off your loan, that money in your savings account is yours to do with what you’d like.
- Build your savings while you pay off your loan and show credit worthiness for future loans, mortgages, leases, rentals, etc.

Click Here for our online loan application.

Terms and conditions apply. You must be a 1st Bergen FCU member in good standing. New members are welcome to join the credit union and apply for a loan right away! You must have or establish a 1st Bergen free checking account; direct deposit is available. Loan approval and terms are based on credit worthiness. Rates and Terms subject to change without notice.

To Apply Now For an Auto & Personal Loan Application Click here.
To Apply Now For a Mortgage Loan Application Click here.

To Apply Now for Credit Builder Loan Program and Credit & Savings Builder Loan Program .

unnamed (2)To Apply Now for a Visa Credit Card Click here.
Click here for current Loan Specials.