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Personal Loans

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Home Equity Loans

Fixed Rate- Home Equity Loans provide a lump-sum loan amount that is available at the loan's initiation and is repaid in monthly installments over the life of the loan.

Home Equity / Fixed Rate Loans offer:

• Terms up to 15 years on fixed rate loans.
• A loan amount of up to 80% of your home's appraised value, less the balance of your first mortgage, and any other mortgages and/or liens.
• Loan amounts range from $5,000 to $500,000 or more.
• Interest rates that are lower than most other types of loans.

Home Equity Lines of Credit

A Home Equity Line of Credit is the most flexible way to utilize your home's equity. It allows you to tap into your equity, as you need it. Think of it as the ultimate credit card. You can spend by borrowing against it whenever you choose.

Credit Lines offer:

• Outstanding versatility and flexibility.
• An effective means of addressing unexpected as well as planned expenses.
• Credit lines from $5,000 to $500,000 or more.
• A credit line of up to 80% of your home's appraised value, less the balance of your first mortgage, and any other mortgages and/or liens.
• Highly competitive interest rates and you only pay interest on the money you borrow.
• Annual Percentage rates, subject to change monthly, are indexed to the Prime Rate and may change after consummation.
• Credit line term of 20 years.
• A monthly statement detailing all transactions and indicating the amount of credit remaining.

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As Completed Construction Loan

Thinking of building an extension on your home, but you are currently falling short of sufficient equity? Call or e-mail us about an "as Completed Construction Loan" and let us help you get started.

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Personal Loan

Our signature loan for a variety of personal needs.

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Automobile Loan

1st Constitution Bank offers financing up to 100% of the cost of a new vehicle and up to the NADA loan value of a used vehicle (2003 models or later). A "new vehicle" may include 2008 or newer models. Make sure you get the best possible deal! If a dealer offers you a choice between a low interest rate on financing or a rebate, contact us first! We may be able to save you money.

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Overdraft Protection Loan

Avoid costly overdraft charges with a 1st Constitution Bank cash reserve account. Have up to $5000 credit on hand if you need it. Annual percentage rate (APR) of 18% only applies when funds are in use.

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Cash Loan

Do you have cash available or other investments? Borrow against your existing resources and save money on your interest rate.

Click here to view 1st Constitution's competitive rates.

Email or call:
609.655.4500

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Business Loans

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Asset Based Financing
If your receivables are unemployed, put them to work and improve your cash position.

With Business Manager you can:

• Take cash positions
• Purchase additional inventory
• Capture new business opportunities

For more information about our asset based loans and accounts receivable purchasing program:

Email or call Irv Wischik:

609-655-4500

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Credit Lines

1st Constitution Bank's Credit Lines provide your business with available funds for a specific time period. The revolving nature of these products allow you to re-use your credit line as you pay it back.

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Term Loans

Are you looking to expand your business, purchase equipment or acquire another business? Do you simply need long-term working capital? Our Term Loans, with repayment schedules over a long period of time may be right for you.

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Commercial Mortgages

1st Constitution Bank offers term loans specifically designed to refinance your mortgage or acquire new real estate. Are you looking to expand your facility, or build a new one? Ask us about our Construction Loans.

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SBA Loans

Your Source For Small Business Needs

What is a Small Business?

Generally the U.S. Small Business Administration considers a business small if it is operated and organized to make a profit and not dominant in its field. It must also meet certain established sized standards.

Why 1st Constitution Bank?

1st Constitution Bank is a Commercial Bank specializing in serving the small business community. Our SBA loan program can benefit qualified businesses through New Jersey, New York, and Pennsylvania.

How Much Is Available?

You can borrow from $100,000 to $1,000,000 if you and your business qualify.

How To Apply?

E-mail or call Steve Seong

609-655-4500

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Economic Development Authority Loans

Are you looking to expand your business? Will you be creating employment opportunities? First Constitution can arrange a New Jersey Economic Development Authority Loan for qualified applicants.