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Personal lending solutions, built around you

With personal loans, competitively priced home equity loans and lines of credit, and even a life insurance line of credit that allows you to access the equity in your whole life insurance policy, we have the smart solution for your unique needs.

Featured rates

Products & Services

Personal Loans

With a personal loan from Investors, you can consolidate high-interest credit card debt, make a large purchase, start on some renovations or take a much-needed vacation, it’s totally up to you.  Going from dream to reality is easier than you think.

  • Borrow $2,000 to $25,000 without the need for collateral*
  • Terms from 2 to 5 years
  • No application fees
* In order to be eligible for an Investors Personal Loan, you must be an Investors Bank customer for a period of at least 1 year prior to applying.

 

Mortgage Solutions

Investors Residential Lending can help you get a home loan built for you. With our many options, whether you’re purchasing or refinancing, we can help. Our loan officers meet with you at one of our branches, over the phone or at a location convenient for you. They’ll work with you every step of the way and explain all the details, so you can focus on what’s important.    

  • Fixed- and adjustable-rate mortgages
  • Terms from 5 to 30 years
  • Options for first-time homebuyers and low- and moderate-income borrowers

Home Equity Loans1

Take advantage of the equity you built in your home and borrow at a fixed rate, up to 75% loan-to-value (LTV). Choose your own terms up to 20 years and use the proceeds for any purpose.  Our application process is easy and decisioning is quick, so you’ll have the cash on hand when you need it.

  • Borrow from $25,000 to $750,000
  • Terms from 5 to 20 years
  • Quick and easy application process

Home Equity Lines of Credit2

A home equity line of credit allows you to access the equity you built in your home, but only pay interest on the amount you actually use.  Up to 75% LTV (less any first-mortgage balance).  Whether you want to keep a rainy-day fund for emergencies or take advantage of the low variable rate while putting kids through school, a home equity line of credit could be the answer.

  • Borrow from $25,000 to $750,000
  • Only pay interest on the amount you use
  • Low, variable rates

Special Home Improvement Loans

Borrow up to $20,000 for home improvements. Special home improvement loans are available to low- and moderate-income homeowners residing in eligible counties for 1- to 4-family, owner-occupied homes.

  • Features a fixed rate
  • Terms of up to 10 years
  • Available to low- and moderate-income homeowners

Life Insurance Lines of Credit3

Access the equity in your whole life insurance policy. Borrow up to 95% of the cash value of a whole life insurance policy for any purpose, personal or business, and the interest may be tax deductible. Competitive rates based on WSJ prime rate. Borrowers must be individual person(s) or trusts; no corporations or pensions permitted. 

  • Term: 84 months
  • Minimum credit line: $65,000; maximum $5,000,000 (exceptions possible)
  • Access your funds with your checkbook, online banking or the Investors mobile app
1Available to New Jersey, New York and Pennsylvania homeowners. No appraisal fee for single-family homes; no closing fees; hazard and flood insurance (if applicable) are required. Not available on co-op properties.
2Investor's home equity line of credit has a variable rate feature during the 10-year draw period, and, as a result, the annual percentage rate (APR) and the minimum payment can change monthly. An annual maintenance fee of $50 will be charged on the anniversary of the loan’s origination date. For New Jersey and Pennsylvania properties, Investors Bank will pay all costs incurred to originate this HELOC up to the first $500,000. If the HELOC is terminated within 24 months from the date of loan closing, borrower will be required to pay an Early Termination Fee of $450.00. For New York properties, the borrower will be responsible for the Mortgage Recording Tax fee, excluding the .25% lender’s portion, if applicable. The borrower is required to pay an Early Termination Fee of $450.00 and the 0.25% lender’s portion of the mortgage recording tax fee if the mortgage is terminated within 24 months from the date of loan closing. Periodic adjustments include only interest and no other costs. During the draw period, you are required to make payments of interest (although you may also make payments of principal). During the repayment period beginning in year 11, you must begin making payments of principal and interest at the 15-Year Fixed Home Equity rate in effect at that time. You will be notified of your change in rate and your new monthly payment for the remaining period of your loan 45 days prior to the due date of your new monthly payment. During the draw period, the annual percentage rate is based on an index. The index used is the Prime Rate as published in the Wall Street Journal. Please ask us for the current index value, margin, discount or premium and annual percentage rate. Interest rate information will be provided on your monthly billing statements. At no time will your rate exceed 15%. All loans subject to credit approval. Annual Percentage Rate is effective as of July 25, 2021, and is subject to change at any time. Other terms and conditions may apply.
3Policy must be in effect for at least 12 months at the time of credit application. Insurance policy must be issued by one of the following approved insurance providers to be eligible as Life Insurance Line of Credit collateral: Guardian, MassMutual, Northwestern Mutual, NY Life, MetLife, John Hancock, Penn Mutual, Ohio National, Brighthouse Financial, Lafayette Life Insurance Company and Ameritas Life Insurance Corporation.
 
All loans subject to credit approval and satisfactory appraisal (if applicable). Mortgage loans provided by Investors Bank, licensed by the NJ Department of Banking and Insurance. Investors Bank name and weave logo are registered trademarks. Investors Bank. Member FDIC & Equal Housing Lender. NMLS# 411729