Loan Products

Car Loans

Looking to buy a car? Our competitive low interest car loans make owning the car or SUV of your dreams more affordable.

  • Low, fixed interest rates—same starting rates for new and used cars!
  • Repayment terms up to 72 months (for loans over $30,000)
  • Financing up to 100% (new cars only with GAP Plus protection purchased from the Credit Union)
  • Loan payments can be automatically withdrawn from your UPFCU savings or checking account
  • Prepayment option - you can always make a larger payment with no prepayment penalties
  • Research, compare prices, search dealer inventories and find the perfect vehicle through our partnership with GrooveCar — now with Kelly Blue Book pricing

Apply today

Personal Loans

Working hard for your money does not always guarantee that you will have the extra cash on-hand to pay for large personal purchases or sudden emergencies. Rely on a personal loan to meet those cash needs.

  • Secured and unsecured loans available
  • Use for anything you wish, including high-rate debt consolidation
  • Low, fixed interest rates
  • Repayment terms up to 60 months
  • Loan payments can be automatically withdrawn from your UPFCU savings or checking account
  • Prepayment option - you can always make a larger payment with no prepayment penalties

Apply today

Holiday / Vacation Loans

Prepare for the holidays or take that dream vacation with a great, low-rate loan solution, that is much cheaper than charging it to most credit cards.

  • Amounts up to $3,000
  • Terms up to 9 months

Apply today

Business Vehicles

Do you own and operate a small business? Do you need to finance a small truck? a limo? semi-truck and trailer? or other vehicles to be used in your business? Look no further! We are your partner!

  • Borrow up to $50,000, but not more than 80% of the book value
  • Maximum term 60 months on used equipment, but not older than 5 years
  • Maximum term 72 months on new equipment
  • Rates as low as 5.99% APR (on approved credit)

United Poles Federal Credit Union is a member of njBIZloan Connection, a statewide collaboration of credit unions that process business and commercial loans

Apply today

Small Recreational Vehicle Loans

Have you been dreaming of buying a boat? A jet ski? Maybe it's the motorcycle or an ATV or even a snowmobile? Not sure how to finance such purchase? Look no further! We can help you with that.

  • Borrow up to $30,000 for max 5 years
  • Put only 10% down (financing over 80% requires GAP insurance)
  • Rates as low as 4.99% APR
Apply today