State rate guide
Best loan rates in New Jersey
29 lenders with published rates lend in New Jersey. Every figure below is a lender-published rate tracked by LoanMate.ai and verified October 16, 2026. The lowest published 30-year fixed purchase rate available in New Jersey is 6.38% from LSB Community Bank, versus a national median of 7%.
Lowest published rates in New Jersey
| Product | Best rate | Lender | National median |
|---|---|---|---|
| 30-year fixed | 6.38% | LSB Community Bank | 7% |
| 15-year fixed | 5.875% | Veterans United Home Loans | 6.625% |
| 20-year fixed | 6.5% | Affinity Federal Credit Union | 6.75% |
| 30-year fixed refinance | 6.375% | AmeriSave Mortgage | 7% |
| 5/1 ARM | 5.49% | LSB Community Bank | 5.933% |
| HELOC | 5.99% | Andrews Federal Credit Union | 7% |
| New auto loan · 60 months | 5.19% | Andrews Federal Credit Union | 5.49% |
| Used auto loan · 60 months | 5.54% | Andrews Federal Credit Union | 6.25% |
| Unsecured personal loan · 36 months | 7.49% | Andrews Federal Credit Union | 11.165% |
| Unsecured personal loan · 60 months | 7.99% | TD Bank | 11.25% |
Lenders lending in New Jersey
| Lender | Type | Products tracked | Lowest published rate |
|---|---|---|---|
| Peoples Federal Credit Union | Lender | 1 | 4.3% (New auto loan) |
| Andrews Federal Credit Union | Credit union | 16 | 4.49% (New auto loan · 36 months) |
| Garden Savings Federal Credit Union | Lender | 4 | 5.24% (New auto loan) |
| Alliant Credit Union | Credit union | 11 | 5.49% (New auto loan · 60 months) |
| BMO Bank | Bank | 3 | 5.49% (HELOC · INTRO) |
| LSB Community Bank | Lender | 2 | 5.49% (5/1 ARM) |
| PNC Bank | Bank | 6 | 5.74% (HELOC · INTRO) |
| Visions Federal Credit Union | Lender | 6 | 5.74% (New auto loan) |
| Veterans United Home Loans | Lender | 4 | 5.875% (15-year fixed) |
| M&T Bank | Bank | 2 | 5.89% (New auto loan) |
| Rocket Mortgage | Lender | 3 | 5.99% (15-year fixed) |
| Chase | Bank | 4 | 6.24% (Used auto loan) |
| AmeriSave Mortgage | Lender | 1 | 6.375% (30-year fixed refinance) |
| Affinity Federal Credit Union | Lender | 2 | 6.5% (20-year fixed) |
| ConnectOne Bank | Lender | 3 | 6.5% (15-year fixed) |
| Citizens Bank | Bank | 2 | 6.625% (15-year fixed) |
| Wells Fargo | Bank | 2 | 6.74% (Unsecured personal loan) |
| U.S. Bank | Bank | 2 | 6.81% (New auto loan · 60 months) |
| Consumers Credit Union | Credit union | 2 | 6.875% (30-year fixed) |
| PenFed Credit Union | Credit union | 1 | 7% (HELOC) |
| Trustco Bank | Lender | 1 | 7.12% (30-year fixed) |
| Figure | Lender | 1 | 7.25% (HELOC) |
| Flagstar Bank | Bank | 1 | 7.49% (HELOC) |
| New American Funding | Lender | 1 | 7.5% (30-year fixed refinance) |
| LightStream | Lender | 1 | 7.74% (New auto loan) |
| TD Bank | Bank | 3 | 7.99% (Unsecured personal loan) |
| Guaranteed Rate | Lender | 1 | 8.65% (HELOC) |
| Prosper | Lender | 1 | 8.99% (Unsecured personal loan) |
| First Financial Federal Credit Union | Lender | 2 | 9.99% (HELOC) |
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