We offer:

  • Home Equity Loans and Revolving Equity Access Lines
  • New and Used Auto Loans, New Motorcycle Loans, and Recreational Vehicle Loans
  • Personal Unsecured and Secured Loans
  • Personal Access Lines (Overdraft Protection)

Download Consumer Loan Application
Account Title Terms
Revolving Equity Access Lines (Principal and Interest) 15 prime + .25
Fixed Home Equity Loans 5 4.240%
  10 4.850%
  15 5.000%
New Auto Loans (2016)       12-60 months 5 4.600%
                                                60-72 months 6 5.600%
Used Auto Loans (2013 to 2015)    12-60 months 5 5.600%
Used Auto Loans (2011 to 2012)    12-48 months 4 7.100%
Personal Unsecured Loans   up to 60 months 5 14.750%
Current Wall Street Journal Prime N/A 3.50%

Rates effective as of 7/29/2016 3:41:39 PM

* Annual Percentage Rate

PREFERRED RATE REDUCTION: All rates listed above are eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. Interest Rates are subject change without notice.

HOME EQUITY LOANS & REVOLVING EQUITY ACCESS LINES: Loan amounts from $10,000 to $500,000, maximum LTV of 80%. Rates listed above are for single family owner occupied residences in NJ and PA. Homeowners insurance is required, Flood insurance may be required and Title insurance may be required on loans over $200,000.

HOME EQUITY LOANS: For max term 15 years 180 monthly payments of $7.91 per $1,000 borrowed, at 5.000%

REVOLVING EQUITY ACCESS LINES: Prime rate published in the Wall Street Journal. Minimum rate is 4% and Maximum rate cap is 18%. $150 recapture fee, if credit line is closed within 18 months.

NEW AUTO LOANS: Minimum loan amount of $10,000 and must pay 10% down payment from purchase price (excluding taxes, registration etc.).

USED AUTO LOANS: Minimum loan amount of $5,000 and loan based on wholesale value from NADA book. For other terms and products, please contact Unity Bank Customer Service Center at 1-800-618-2265

Annual Percentage Rate (APR) effective as of date of publication, and is subject to change.

Minimum loan term is 12 months for all types of loans