Need a reason to love your Lifestyle Loan?

Debt, especially credit card debt, can take a toll on your well-being. But when it comes to inner peace, we can give you a few reasons to consider a Lifestyle Loan next time you need to borrow.

Deferred payments

Three months free and clear for you means we don't need to see a single payment for 90 days². Ahh, bliss!

Competitive rate options

Rates a fraction of your average credit card means smaller monthly payments for you. Meditate on all the savings you'll see.

No collateral

No collateral needed—that's right, not one solitary copper—to borrow up to $25,000. This peace of mind is priceless.

Spending flexibility

It's one of the most versatile loans we have, providing funds for cash emergencies, debt consolidation and big-ticket purchases.

Fast cash

Our Lifestyle Loan can provide you up to $25,000 deposited in your account in as little as 48 hours³.

Talk about stress-free borrowing. And it's easily attainable today. Make taking out a Lifestyle Loan your act of Zen.

Apply today

Financial Freedom: Lifestyle loans

Is a Lifestyle Loan right for you?

With credit card rates the highest they've been since 2019*, a low-rate Lifestyle Loan is a smarter and more affordable solution. Credit Union of New Jersey’s Lifestyle Loan could save you thousands of dollars in the long run.

Fast Access
How can a Lifestyle Loan give me money when I need it?
What can I use a Lifestyle Loan for?
Why is a Lifestyle Loan better than just using my credit cards?

How can a Lifestyle Loan give me money when I need it?

Our Lifestyle loans are simple and versatile. Once the amount you’ve applied for is disbursed, you can use that money any way you want to. The application process is also simple and straightforward. Best of all, you can apply online and funds can be deposited into your account in as little as 48 hours³ upon loan approval.

What can I use a Lifestyle Loan for?

Lifestyle loans are great for debt consolidation, medical expenses, major purchases or to simply obtain much-needed funds during tough economic times.

Apply today

Why is a Lifestyle Loan better than just using my credit cards?

Credit cards are extremely tempting because they are so easy to use—emphasis on the word “use.” Because your credit limits are revolving, as soon as you pay down the balance, the available credit you have is also replenished by that amount. So, the temptation to hop on that hamster wheel and just keep using your credit cards without ever once paying them off is all too real. Average credit card interest rates in the United States as of December 13, 2022 is 22.91%*, which means, you're likely paying thousands (and we do mean thousands) of dollars in interest without ever making forward progress.

With a Lifestyle Loan, you borrow a specific amount over a specific term. But, you make no payments whatsoever for 90 days².

Once you do start making payments, you pay one set amount each month until that last payment when your loan balance becomes zero, and the loan is paid in full. Now, that is a great feeling, way better than the hamster wheel of paying credit cards down a little only to charge them back up after a few months.

Enjoy low, fixed-term rates from:

  • 7.24%APR
    For 36 Months¹
  • 8.24%APR
    For 48 Months¹
  • 9.24%APR
    For 60 Months¹

Borrow up to


and take up to 90 days before making your first payment².
What are you waiting for?

Apply for a Lifestyle Loan today


Annual Percentage Rate (APR) effective as of October 1, 2018. Subject to credit approval. Financing available up to 60 months. Rates as low as 7.24% for 36 months, 8.24% for 48 months, and 9.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.99 per $1,000 borrowed at 7.24% for 36 months. The loan payment is $24.53 per $1,000 borrowed at 8.24% for 48 months. The loan payment is $20.88 per $1,000 borrowed at 9.24% for 60 months. Rates subject to change at any time. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.


Each lifestyle loan closed during this promotional period will make no payments for 90 days. Accepting the terms of "no payment for 90 days offer" will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying your payment during this calendar year. Interest will accrue during this period. Loan amounts of up to $25,000 are available. Processing fee of $35 will apply. All loans are subject to credit approval.


Timeline of funds being deposited is determined by application method.


Average credit card interest rates in the United States as of 12/13/22 is 22.91%. Credit card data compiled from Lending Tree.

Interested in receiving our newly renovated emails?