Best Personal Loans in Jersey City, NJ: Top Lenders & Best Picks for You

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Edited byAshley Jacobs

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Jersey City, NJ

There are many types of personal loans for different borrower needs. Knowing that borrowers tend to get overwhelmed with their options, MoneyGeek ranked personal loan lenders in Jersey City to make finding a suitable lender easier. More than 30 data points are reviewed in order to determine the best match for your financial emergency.

We also evaluated the best lenders for different borrower profiles to help you find the ideal option for your unique needs. We looked at lenders for people with good credit, bad credit, debt consolidation needs and more.

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Best Overall Personal Loan Lender in Jersey City: Truist

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Best Personal Loan Lender for Bad Credit in Jersey City: Upstart

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Best Personal Loan Lender for Good Credit in Jersey City: SoFi

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Best Personal Loan Lender for Debt Consolidation in Jersey City: Upgrade

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Best Personal Loan Lender for Home Improvement in Jersey City: Best Egg

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What to Do if You Can’t Get a Personal Loan in Jersey City

Whether or not you will be approved for a loan depends on your creditworthiness and various other factors. If your application is rejected, MoneyGeek recommends doing a few things.

Contacting your lender and asking the exact reason why you were denied can help you either modify details in your application, such as decreasing your loan amount or decreasing your loan term, to be approved. If absolutely necessary, you can improve on whatever factor caused your application to be denied and reapply after a couple of months, either with the same lender or a different one.

Be careful, as there are personal loan types that you should avoid. One of these is payday loans, which come with unrealistic repayment terms. You may opt for balance transfer credit cards instead of a personal loan to consolidate debt or home equity loans and HELOCs when renovating a home.

Frequently Asked Questions About Personal Loans in Jersey City

The best personal loan lenders in Jersey City depend on a borrower’s unique financial situation. We’re here to answer some of your questions about personal loans in Jersey City.

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Our Personal Loan Methodology

METHODOLOGY

We evaluated over 30 personal loan lenders based on 35+ individual data points in six key categories, including loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

We considered several individual data points within each ranking criteria category that we believe carry the most weight when selecting a personal loan lender. APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time are among these factors.

We value you as the consumer, so we consider each lender's customer service, business ratings and additional features that could make your experience easier and more accessible, such as prequalification, payment options and mobile apps.

Our decisions are made with your best interests in mind. Our personal loan recommendations and expert advice are designed to help you make the best decision when choosing a lender that meets your needs.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.