Loans

Energy People Federal Credit Union offers a variety of loan products, so we want to make sure we provide the loan to best fit your needs. If you are an active employee of PSE&G, we offer an automatic payroll deduction so you never have to remember to make your loan payments. Take a look at our available products, and click the link below to start your application process today. If you have any questions, we encourage you to contact us so we can help get you the best possible rate.

Auto Loans

In the market for an auto or motorcycle? Our competitive auto & motorcycle loan rates, along with quick approvals, will get you on the road fast. Whether you are looking at a new or used vehicle, we are here to help. We offer a variety of terms to keep your payment low and fit your budget. We will work with you to match the dealer’s payments, so give us a call before you sign! 

Refinanced Auto Loans

Already bought a new car or motorcycle but didn’t take advantage of our great rates and flexible terms? No worries! Refinance with us today. We may be able to save you hundreds, or even thousands of dollars in interest. Some restrictions and exclusions may apply.

Recreational Vehicles

Not everything you drive should make you think of work or errands. When you are in the market for a vehicle that brings fun to the road or water, Energy People FCU is here to help. We can finance new or used travel trailers and boats. Specific loan types carry specific requirements.

*The vehicle must have a title*

Certificate of Origin Loans

Looking at a fun off-roading vehicle, sporty jet ski, or a new tractor for your farm? No need to pay a higher interest rate with a personal loan when a Certificate of Origin can secure you a lower rate. Contact us to make sure you have the proper documentation for these great rates.

Life is full of surprises, and those surprises sometimes come with a hefty price tag. With a personal loan, you can borrow the funds you need for unexpected medical bills, home improvements, debt consolidation, or whatever life might have thrown your way. From $1,000.00 to $20,000.00 with approved credit and just a signature, you can rest easy knowing you have the money you need.

*Rates and terms vary - exclusions apply.  All personal loans from $15,000.01-$20,000.00 will require an eligible co-signer.*

Share Secured Loans

Need some cash but want to avoid depleting your savings? With a Share Secured Loan, you may use the funds in your Savings Account and your Share Certificates as collateral for the amount borrowed (IRAs are excluded as collateral). By pledging funds in an existing account‚ you will receive a reduced interest rate on the loan. The funds you pledge as loan collateral are initially not available for withdraw. Once you begin to make payments on your loan, they become available in direct accordance with the amount of principal paid.

Union Due Loans

Becoming a new member of your local union at PSE&G? No need to stress about the initial union due fee. We are happy to provide immediate help with this loan. 

Need a little extra cash but don’t want your credit pulled? This is the loan for you! The flex loan is a one year, $2,000.00 loan that requires no credit report.

*$30.00 application fee required*

Holiday Loan

Need a little extra cash during the holidays? This one-year, $3,000.00 loan is a great alternative to putting money on your credit cards at high-interest rates.

Vacation Loan

Dreaming about taking a nice relaxing vacation sitting on the beach? The vacation loan can get you to where you have been dreaming about. This one-year, $3,000.00 loan is a great alternative to a personal loan with a lower interest rate and a shorter duration.

Do you want to refinance your home but are dreading the loan process? We make refinancing your home painless! Unlike many mortgage brokers, our mortgage specialist does not work on commission. You will never be pressured to take a loan that you don't want or borrow more than you should. Our low closing costs, competitive rates, and fast turnaround make us the best place to work with. Call today to talk to our mortgage specialist about our first and second mortgage program.