Loans
Loans
JCFCU members can get great rates on vehicle loans, personal loans, and home equity loans, and we offer the convenience of payroll deduction for your loan payments. You must be a member of this credit union in order to borrow. Be sure to check out our competitive rates and terms using the links below.
Get more information about each type of loan JCFCU offers:
You deserve the best mortgage experience possible. Whether purchasing a home or refinancing an existing mortgage, JCFCU’s partnership with Cardinal Financial can offer you the solutions you need. Cardinal’s winning combination of products, process, technology, and people turns members into happy homeowners.
For more information visit cardinalfinancial.com/josephviganola
Joseph Viganola | Producing Branch Manager | NMLS #1090798Cardinal Financial Company, Limited Partnership | NMLS 66247
115 River Road, Suite 109, Edgewater, NJ 07020
Email: joe.viganola@cardinalfinancial.com
Phone: 201-500-9620
Mobile: 973-986-2265
Fax: 201-500-9620
A home equity loan is a type of loan where the borrower uses the equity in their home as collateral. The loan amount is determined by the value of the property and the creditworthiness of the borrower. Home equity loans can be used to finance a variety of expenses such as home repairs, medical bills, college education, or debt consolidation.
Loan amounts range from $10,000 to $150,000.
Terms are fixed for the life of the loan at 5, 10, or 15 years.
Maximum loan-to-value of 80% (includes all mortgages).
Contact us for more information.
NMLS#: 552272
A Signature loan is an unsecured personal loan issued only based on the borrower's creditworthiness. Eligible amount based on length of employment, credit history, and income. The loan proceeds can be used for any purpose.
Loan amounts range from $1,000 to $15,000.
Terms are fixed for the life of the loan from 6 to 60 months.
Contact us for more information.
Looking to purchase or refinance a new or used vehicle (automobile, truck, SUV, motorcycle, boat, or rv)? We have the financing options you need.
New Vehicles
Loan amounts up to $60,000.
Terms are fixed for the life of the loan up to 84 months.
Finance up to 120% of the lesser of purchase price or Manufacturer's Suggested Retail Price.
100% financing for qualified borrowers.
A vehicle is considered new if it is current model year or previous year and has less than 3000 miles.
Used Vehicles
Loan amounts up to $50,000.
Terms are fixed for the life of the loan up to 72 months.
Finance up to 120% of the lesser of purchase price or Manufacturer's Suggested Retail Price.
100% financing for qualified borrowers.
A vehicle is considered used if it has more than 3000 miles. The age of the vehicle plus the length of the loan cannot exceed 12 years.
Vehicle Refinancing
Already financed your vehicle through another financial institution? No problem. We may be able to offer you a better deal. Give us a call to discuss transferring your existing loan.
Pre-Qualification
Find out how much you can afford to spend on a vehicle by getting pre-approved for financing. That way you can shop with confidence and focus on getting the best deal you can.
Options
GAP Insurance
Mechanical Repair Coverage
TruStage Auto Insurance
Contact us for more information.
The Smart Option Student Loan is the first nationwide private student loan offering a graduated repayment period feature, providing budget flexibility after you finish school. Students who maintain their Sallie Mae loans in good standing can request to make 12 monthly interest-only payments instead of full principal and interest payments after they finish school.
What is a private student loan?
Private student loans provide additional funding for education-related expenses when other financial aid does not fully cover costs. Private student loans require a credit check as part of the application process because they are credit-based loans for both you and a cosigner, if applicable.
Remember! Always borrow wisely. Private student loans can be an ideal solution should funds be needed after grants, scholarships, and federal loans have been maximized. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
Visit www.salliemae.com/smartoption/jerseycentralfcu for more information or to start an application.
Contact Us
Jersey Central FCU
23 North Ave East
Cranford, NJ 07016
Mailing address:
P.O. Box 661
Cranford, NJ 07016
Tel : 888-772-3040
Fax : 908-272-6029
Email : office@jerseycentralfcu.com
Office Hours :
Monday - Friday: 9:00 a.m. – 4:30 p.m.
We are an Equal Housing Opportunity Lender. Federally insured by the NCUA. Your savings are insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.