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Personal Loans Secured & Unsecured

Simple Financing for Life’s Needs

FNBA personal loans provide flexible financing solutions to help you manage expenses, make purchases, or cover unexpected costs. Whether you are looking for a short-term unsecured loan or a secured option with lower borrowing costs, our personal loan programs are designed to fit your financial needs. With local decision-making and a relationship-based approach, FNBA offers clear, straightforward lending options.

What Can You Use a Personal Loan For?

FNBA personal loans can be used for a variety of purposes, including:

Everyday expenses

Cover planned or unexpected costs

Debt consolidation

Simplify payments into one loan

Automobiles purchases

Finance automobiles

Major purchases

Fund personal projects or large expenses

Loan Options to Fit Your Needs

FNBA offers both unsecured and secured loan options, allowing you to choose the structure that best fits your situation:

  • Unsecured Loans: Borrow without collateral
  • Auto Loans: Financing for automobiles
  • Savings or CD Secured Loans: Borrow against your FNBA deposit accounts
  • Marketable Securities Loans: Loans secured by stocks or other approved assets

Each option provides flexibility based on your borrowing needs and available collateral.

How a Personal Loan Works

A personal loan provides you with a set loan amount that is repaid over time through scheduled monthly payments. Loan terms and structure vary depending on the type of loan and whether collateral is used.

Understanding Loan-to-Value (LTV)

For secured loans, loan-to-value (LTV) represents the relationship between the loan amount and the value of the collateral.

Qualification and Application

FNBA takes a practical, relationship-based approach to lending. To apply, you will complete a loan application and provide documentation to verify your financial profile. This typically includes:

  • Credit report
  • Proof of income (2 recent pay statements and tax returns)
  • Verification of assets and liabilities
  • Collateral valuation, if applicable

Lending You Can Trust

All personal loan decisions are made locally, right here in South Jersey. Our team works closely with you to provide clear guidance and a straightforward borrowing experience from application through payoff.

Personal Loans at a Glance

Feature

Detail

Loan Type

Secured and Unsecured Personal Loans

Use

Personal expenses, automobile financing, debt consolidation

Loan Terms

Loan terms vary by product type and, for titled collateral, the model year. Contact FNBA for specific details at 609-641-6300.

Loan-to-Value (LTV)

Loan-to-value (LTV) varies by product type. Contact FNBA for details at 609-641-6300.

Collateral Options

Automobiles, FNBA Savings Account, FNBA CD, Marketable Securities

Other Ways FNBA Can Help

Home Equity Line of Credit (HELOC)

Need flexibility rather than a lump sum? A HELOC gives you a revolving credit line secured by your home’s equity. Draw what you need, when you need it, and pay interest only on what you use.

Mortgage

Whether you are purchasing a new home or refinancing your current one, FNBA offers fixed- -rate mortgages with local underwriting and fast decisions. Terms up to 30 years available.

Growing Family Banking Hub

Renovating for a growing family? The FNBA Growing Family Hub brings together all the accounts, loans, and savings tools that South Jersey families need in one place.

What Our Families Are Saying.

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Rob Monte
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Priscilla,Manager, Taylor Assistant Manager, and the entire crew at the Galloway Branch always greet you with a smile. They are courteous, professional and always make you feel welcome. Keep up the great work, thank you Bob and Trish M.
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diane honan
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FNB is beyond a 5* financial institution! Their staff extends the ultimate in kindness, knowledge and attention to you on a personal level every time you may need some assistance. They are your hometown bank and we applaud them!
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Tony Tomasello
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I met with Amanda today in the Absecon branch and requested some assistance gathering information in reference to my loan. Polite, professional, and very personable. It was great to be able to speak with someone in person who appeared to truly want to help. Thank you again and have a fantastic day.
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PhatPhat
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The teller Amanda was very nice and helpful. TJ is always friendly
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Sean Dixon
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They are very professional, helpful, and loyal to me - Thank you.
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Danielle Burgan
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Amanda and Nick took the time to help me out with my accounts and made sure i had everything straightened out. They were very patient and made the calls to help figure things out. I was having issues with a transfer part of the app and together we figured it out. The only thing i would say is the app needs to be more user friendly as the buttons are very hard to find to move to the next options. They don’t stand out to help the user find it easy they are hidden in grayed out areas
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Mark Marrone
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Main branch customer, Amanda and TJ along with Malika provide warm and friendly customer service, always!
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dj sanders
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Great service and polite people that work at FNBA 👍🏾
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gloria Burchell
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All the bank Employees are always helpful there and kind

Ready to Get Started?

Visit any FNBA branch to speak with a loan officer. We’ll explain your options, review requirements, and help you apply.

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