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.

New and Pre-Owned Auto loans are available up to 80% of the collateral value
Loans secured by FNBA savings or certificates of deposit may be available up to 100% of the account balance, less 3 payments loan, subject to policy guidelines
Loans secured by marketable securities may be available up to 70% of the asset value

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.

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.

Have questions about our solutions?

Fill out the form, and a member of our team will reach out soon.